Our investment approach allows us to provide you with a prudent, long-term investment portfolio designed to help you achieve your goals. We follow a comprehensive 6-step Investment Process to make sure you fully understand our recommendations for you at each stage of our journey together.
Click here for a downloadable PDF detailing our Investment Process.
Stage 1: Investment Objectives
We believe that investment portfolios are a tool for the realisation of your goals. We explore what you are trying to achieve and what is important to you. Having established your financial goals and the timeframe for results, we can then set specific investment objectives with you, giving you clarity of what you want your portfolio to deliver.
Stage 2: Risk Assessment
Next we explore how you feel about investment risk and assess the level of risk you are prepared – and more importantly, need – to take to achieve your investment objectives. This gives you the confidence your portfolio will be aligned to your core beliefs, as well as designed to achieve your goals.
Stage 3: Asset Allocation
Deciding how much to invest between different types of assets – such as equities, bonds and cash – is the foundation to successful long-term investing. Understanding the likely returns and the risks associated with each asset class allows you to understand how your investments may perform. We spend time matching the asset mix to your personal risk tolerance and goals.
Stage 4: Portfolio Selection
We create your bespoke investment portfolio that is designed, at long term historical rates of return, to get you where you want to go. Costs matter when it comes to investing, as each pound eaten up by costs is a pound not invested. So we offer highly cost effective portfolios, giving you peace of mind that your returns are maximised.
Stage 5: Portfolio Implementation
We then manage the implementation or transfer of your investments. We keep you informed, but removed from the paperwork, and give you confidence that, together, we can help you achieve ‘financial happiness’.
Stage 6: Ongoing Wealth Management Service
Our role as your financial coach is to help you continue making decisions that reflect our agreed long term strategy. So we implement our Ongoing Wealth Management Service. Through structured reviews and ongoing support we revisit your objectives, assumptions and changes in circumstances, so you can be assured your investment strategy is always aligned to what you are trying to achieve.