"I have known David Henderson for seven years and during that time, he has had full control of my financial investment portfolio through retirement and the consequences of adjustment to widowhood. I have never had any cause to doubt his skilled advice and commitment. This has been delivered through a friendly and totally reliable relationship. I have regarded him as a trustworthy friend and in terms of the financial manoeuvres, his practical adjustments have (thus far in a volatile world!) all been safe and successful. He has been helpfully reassuring at times based on an extensive knowledge of theway the markets and global economy works I find this very educational. I have recommended his services to several friends all of whom have commented most favourably after his input totheir finances."
What Is Wealth Management?
Achieving a broad portfolio of individual investments is typically beyond the means of an average investor, which makes it harder to offset risk, spread costs or increase your purchasing power by trading shares in large volumes.
But by clubbing your assets together with other investors in an investment fund, an independent wealth manager can provide a professional service that features benefits you might value.
The fund’s professional investment manager will choose the mix of stocks, shares and other assets to invests in, proactively, to help leverage the investment’s return.
If you are looking to invest in either a pension, an investment bond or a New Individual Savings Account (NISA), an investment fund is therefore one option worth considering.
Rather than you choosing to buy, hold or sell individual investments, the fund manager uses their expertise to make suitable investments day-to-day, in order to hopefully grow the value of the pooled fund over time.
When you are investing alone, you may have limited time to study the appropriate market information, even if your interest is strong.
Diversification and Risk
Any investment also carries some element of risk. The value of the fund can fall as well as rise, and you may not get back the full amount you originally invest.
Working on the premise that holding two different shares is better than holding twice the value of a single share, an investment manager usually practices some level of 'diversification’, to spread and mitigate risks.
This works because all shares react differently to investment conditions.
Imagine there are only two companies: one making t-shirts and one woolly jumpers. If the weather forecast is for sunshine, then investors would be wise to buy shares only in the t-shirt company, as they can expect sales to rise, and its share price to increase as a result. However, we all know it’s never sunny all the time.
A good fund manager will therefore use some of the fund’s capital to buy shares in the other company too. Then, whatever the weather, the investor will still be make a return from one investment.
The value of investments may fall as well as rise.
You may get back less than you originally invested.
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We have the benefit of many years spent advising doctors and dentists and guiding them through financial planning for protecting the family, savings and investing for the future, retirement, and the complex tax issues that can arise. -
There are many different ‘tools’ that help you save for retirement, and the taxation and investment elements of each can appear baffling. We explain, recommend and monitor pension products for you, putting you in control of the choices that will achieve your goals. -
Our mission is to use our knowledge and skills to provide unbiased financial advice, so that you can face the future with increased confidence regarding your financial position today, and the financial security of your family in future. -
Every investment carries some element of risk, which is why we reflect risk management in the financial planning we provide for clients. 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. -
Buying a property can be stressful and time consuming at the best of times, and for some borrowers finding and selecting the most suitable mortgage for them can be a contributory factor. Working with us means that you’ll benefit from informed advice from the outset, backed by up-to-date financial intelligence, and years of practical experience.
