Investment

Before you invest, it’s helpful to have a clear plan of what you want to get out of your investments, and the time period you want to invest for.

You may not need access to your money for several decades or you may have a shorter timeframe to achieve your goals. You maybe looking to invest your pension pot or maybe you have inherited wealth and need guidance.

Whatever your circumstances and requirements we can look at a range of investment funds from across the market to suit your needs. We will take into account the size of your wealth and tax position, whether you require an income from your investments or wish to achieve long term growth.

Pension Fund management 

Income provision in retirement can be uncertain, with state pension ages being extended and life expectancy increasing. 

We are aware that each client has different expectations as they go through the various stages to retirement and beyond.

We aim to tailor investment strategies approaching retirement to fit your individual needs and to continue this support throughout the process of retirement helping you make the right choice when selecting the type of retirement benefit.

If required we then continue to advise you throughout your retirement as your needs change.

Investment Fund Management 

Savings are an important part of your financial affairs, whether you’re saving for long term aims like retirement, repayment of your mortgage or for specific short term goals such as holidays.

We can advise you on the best way to maximise the potential growth of these savings and help you achieve your goals.

We take into account your attitude to risk and overall financial circumstances to provide a unique tailored approach to you.

Defined benefit pensions

To discuss taking benefits from your defined benefit (DB) pension scheme and assist with the claims process, there will be a one-off cost of £850.

To review the suitability of a DB scheme pension for your personal needs and circumstances, there will also be an additional cost, which is detailed below. We offer a two stage advice process, as follows.

Stage 1: We start by finding out about you and your current financial circumstances. We need to know about your family, your expenditure and financial needs, your plans and retirement goals. We will look at what other assets you have to meet those goals and talk to you about financial risks, and will ask you to complete a pension transfer risk assessment and investment risk profiling.

At the end of this stage, if we are able to conclude that you are best off keeping your DB scheme, we will write a report confirming our recommendation and the reasons for it.

Our fee for completing Stage 1 is £1,500.

Stage 2: If we are unable to conclude whether you should keep your DB scheme at the end of Stage 1, with your permission, we will undertake a comprehensive analysis of the benefits of your DB scheme and an alternative defined contribution (DC) scheme that might be suitable for your needs. This will include cashflow modelling of possible financial outcomes allowing for all of your assets. We will also consider if there are ways of meeting your objectives without giving up your DB scheme.

At the end of Stage 2, we will write you a report confirming whether we think you should keep your DB scheme or transfer to a DC scheme. This will explain why we think the recommendation is right for you and make sure you are fully aware of all the advantages and disadvantages.

Our fee for completing Stage 2 is 1% of the contribution equivalent transfer value (CETV) of your preserved DB scheme pension, subject to a minimum amount of £3,000 and a maximum amount of £15,000. Credit will be given for Stage 1 fees that have already been paid in respect of the same DB scheme.

Our fees are payable in full regardless of whether or not we recommend a transfer.

Important information – The value of investments can go down as well as up, so you may get back less than you invest. You will not normally be able to withdraw money from a pension until you reach age 55.