Our Aim is to provide an ongoing service to clients with pension and investment portfolios to help them to achieve their investment goals in the most tax efficient way possible.

“Investments can go down as well as up and you may not get back all of your capital invested”

Whether it be money invested in Pensions or Investments such as Investments Bonds, Stocks and Shares ISA’s or Unit Trusts ISA’s clients are generally looking for growth or income and sometimes both. Money invested will always be subject to both downward and upward valuations as a result of the   prevailing markets and economic factors.

There is no such thing as a risk free investment.

Even money invested in a bank account or building society account is subject to risk. Risks such as Inflation erosion where the rate of inflation is higher than the interest  rate earned, the possible effect of tax on the interest, Interest rate risk in that rates may increase generally but those for your saving do not increase and solvency risk where the institution fails. If you have an account with a bank or building society that fails, FSCS or the liquidator will contact you with next steps.

We may also be able to help if you have an account with a UK branch of a bank incorporated in another European Economic Area state.

If you have multiple accounts with banks or building societies that are part of a larger group, the amount of compensation you can claim depends on how the Prudential Regulation Authority (PRA) authorises the firm:
•If the banks/building societies are separately authorised: £85,000 per person per firm.
•If the banks/building societies are covered by the parent company’s authorisation: one payment of £85,000, which covers all the accounts you hold with the different firms.

For example, if you have a current account with Bank X and savings with Bank Y and they share one firm reference number or authorisation number, they are classed as a single firm for the purposes of compensation. This means that your limit for compensation is £85,000 in total, shared across Bank X and Bank Y.

No one wants to see the value of their money go down but this is always a possibility if investing in anything other than Cash.


Investing requires an acceptance of Risk. The question for each client is how much investment related risk to your capital are you comfortable  with and to what extent would you be prepared to see your investments fluctuate both up and down.

Assessing and agreeing your risk level is something that we aim to do with our clients whilst also seeking to achieve their investment goal, whether it be a lump sum for the future or income now or for the future.

We use software to assist us in assessing a clients portfolio to compared the risk of capital fluctuation and even loss with the investment to the level of investment risk a client is happy to accept to achieve their stated objectives.