Savings and Investment

There are many reasons to save throughout a lifetime and, when doing so, they should be accompanied by a suitable savings strategy. Whether for a rainy day, deposit, large purchase, education, children, to generate an income or pass money to others, the way you choose to save or invest should be appropriate for the specific goal you are trying to achieve. This way you will have a better chance of a positive outcome.

It can be difficult to know the best direction to take with the options available.

• Invest or deposit? 
• Access or fixed?
• How much?
• What about tax?
• Will I need income & capital?
• What about risk? (Even cash deposits include risk)
• ISA, Pension, Bond or other?
• Which managers or funds are best to help my money grow?

Our advisers will identify the most effective and efficient ways to meet your savings needs. This by first understanding the reasons you wish to save and the importance of each goal. Then assessing your full financial circumstances, saving capability, and the probability of achieving your desired outcomes. With unrestricted access they will source from the wide range of available solutions, find those most appropriate for you, and address your needs in order of priority. Should any be unrealistic/unachievable they will explain why and work with you on a strategy to yield the best result possible.    

We always take care to ensure that any short-term needs and planned spending is accounted for before recommending an investment. Only when there is capacity to, and you are comfortable with the choices explained, will our advisers proceed. We continuously carry out robust due diligence on all of our advised investments and fund managers, with oversight from our expert investment committee.

Taxation can negatively impact your road to saving success. When earning, accumulating, and drawing upon savings, varying taxes can apply. Using the reliefs, thresholds, and allowances available to you will increase returns and make your savings go further. This is why our equipped advisers will focus on the most tax optimal solution for you, based on your personal financial circumstances and tax position.

To assist your savings plan we can also produce a future cashflow model, mapping out your financial journey, including any important events. These can help indicate if you are on track to meet your goal, what's required if not, and the longer-term impact of any changes/unforeseen events. 

Having a clear and effective plan helps. Why not see what can be done to improve yours?  An introduction meeting is at our cost and non-committal.  

Tax treatment depends on the individual circumstances of each client and may be subject to change in future. We work within the context of guidance and legislation set out by HMRC which include effective ways to mitigate tax through a range of legitimate & approved products. The values of investments are not guaranteed and can go down as well as up. You may not get back the amount originally invested.