We understand that it can be confusing, stressful and time consuming to make a commitment on a product you are potentially unfamiliar with; especially when your choice of investment vehicle can make a major impact on your future wealth.
Working with us means that you’ll benefit from informed advice at every step, backed by up-to-date financial intelligence and years of practical experience to position a portfolio that sits in line with your personal circumstances, objectives and attitude to risk.
We can help you create an investment plan that works to achieve your longer-term financial aspirations and goals. As markets adjust or your own circumstances change over time, we continue to work with you, to review the plan and any changes required.
Remember, if your objectives or capacity for loss change, for any reason, let us know immediately.
Risk management
Global markets do go through periods of uncertainty. These can be short lived or more persistent.
If the market initially falls sharply, it can unsettle many investors. It may even prompt some to sell their investments at a loss on their initial capital investment.
Most experts agree that investors are probably better off not taking hasty decisions, if they are still focused on a long-term goal. But this partly reflects your own appetite to risk.
Risk management is something we reflect in the financial planning we do with clients. There are four elements to minimise risk that will be reflected in any investment plan we prepare with you:
* Risk avoidance   (refraining from making a certain kind of investment, for example shares on                         the Alternative Investment Market)
* Risk reduction    (building in safety measures, such as investing through a managed fund                                  rather than directly in a particular stock)
* Risk transfer       (remember the example of the t-shirt manufacturer and the woollen mill?)
* Risk acceptance (choosing to invest a certain sum of capital on the understanding that its                               value may go down as well as up)
Help you evaluate your capacity for loss – the amount of money you are willing and able to lose without impacting your lifestyle, as every investment will carry some element of risk. We work with you so that you are financially well organised, aware of your current and likely future financial position, and therefore remain in control of the choices you make. Together, we can help you achieve:
• Financial security for you and/or your family
• Financial independence for your chosen lifestyle

The value of investments may fall as well as rise.
You may get back less than you originally invested.

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  • Cisi
  • Institute of Financial Services
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