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Investment Planning

Whether or not your financial goal is in the near or longer term you need to plan how you will achieve this and invest sensibly. You need your savings and investments to grow to ensure that you achieve your goals. These can include short term savings, education funding and retirement planning. We help you to identify and prioritise the financial goals which matter to you. By investing tax efficiently and to your individual risk profile we establish, monitor and review your plan to ensure that you live the life you want to achieve.

Investment is as much about protecting against potential downsides as it is about targeting maximum growth. High returns are often associated with high risk, and not everyone is comfortable with the idea that their investment might fall by a third or more overnight. Our financial planners  will make a detailed assessment of your attitude to risk before making any recommendations. They will also ensure you do not put all your eggs in one basket by helping you diversify not only across asset classes but also across accounts, individual funds, and product providers.

Once your risk and investment assessments are complete, the next step is to look at tax, and even the most basic overview of your position could help. It may simply mean using Individual Savings Accounts (ISAs) or a pension plan to benefit from government incentives or it could mean choosing growth-focused assets over income in order to make use of capital gains allowances rather than pay income tax. Alternatively, for more complicated arrangements, it might mean moving assets to your spouse or children to make full use of their personal allowances.

Our financial planners will always have your tax position in mind when making recommendations and can help point you in the right direction, even in complicated situations.

The areas we advise on include:

  • ISAs    
  • Investment bonds     
  • Open ended investment companies
  • Structured deposits
  • Investment trusts
  • Exchange traded funds
  • Enterprise investment schemes
  • Venture capital trusts
  • Structured products

For further assistance, please contact a member of our team below:

  • Chartered Insurance Practitioner

    0151 2552300
  • Chartered Financial Planner

    0151 2552300