Our Philosophy

The Foundations of our Business

Listen

In order to perform our service we gather information about your knowledge, experience of investments, financial situation and investment objectives.

We listen, think, then offer cost effective, diversified and risk tailored solutions to meet realistic expectations. In doing this we aim to simplify, clarify and add value while expanding the client’s knowledge.

We know that every single client is different and thus we provide bespoke financial solutions to meet each of our client’s needs.

Monitor

We act with integrity, honesty and respect your confidentiality. We work with fellow professionals to enhance client service where appropriate. We will monitor your portfolio on an ongoing basis and report regularly face to face. Our service is best suited to clients with more than £50,000 to invest.

Raymond James have negotiated discounts on initial charges, many at 0%, with a number of fund managers. We offer regular reviews, online investor access, and regular client reporting. We research and construct our own “buy lists” to reflect our conservative investment strategy.

Hold

Generally we buy quality and hold for the long term. We believe in minimum trading frequency, minimum expenses and taxes. Notwithstanding this timing can still be important and we monitor market trends. We aim with our portfolio design to protect clients against the impact of low interest rates, increasing interest rates and retirement inflation.

We posses an extensive research capability and use powerful software like Morningstar, Bloomberg and other numerous outlets negotiated via Raymond James Investment Services.

Diversify

We invest in combinations of diverse assets to fundamentally include Large Cap FTSE 100 equities, quality mutual funds, ETFs, individual investment grade corporate bonds and gilts. International/global exposure is largely through collectives like mutual funds, ETFs and Large Cap equities.

Additionally we seek to maximise tax efficiency through the use of ISAs, SIPPs, Estate Planning (inheritance tax planning), Trusts, Offshore and Onshore Capital Investment Bonds where appropriate, and make use of Capital Gains Tax allowance, reassignment and regular review.

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