Financial Planning and Advice Fees

Over the life of your financial plan, many things may change: your personal circumstances, your income and expenditure, and tax law are but a few of them. Regular reviews will ensure your plan remains up to date.

It is important to look at the asset classes making up your portfolio of investments over time. We will work with you to ensure that the mix of these assets matches your circumstances. For example, as you enter retirement, it might be appropriate to reduce the number of riskier assets that have helped achieve growth in your portfolio in the past.

Probably the least understood aspect of financial advice but arguably the most valuable.

As human beings, we are subject to a myriad of emotional and behavioural biases. Whilst useful to us historically in terms of survival, these biases tend to not help in decision making when it comes to our investments, particularly when it comes to market falls. We help you to make the right decisions at the right time when it comes to your investments.

It is important to make sure that, if you are withdrawing funds, this is done in a tax efficient manner, as well as ensuring the integrity of your investment strategy is maintained.

It is important to marry your long-term objectives with the level of risk you are prepared to accept. This will dictate the mix of investments that we will create initially, but this mix may change over time, to suit changes in your circumstances.

There may also be changes in relation to the individual investments that you hold which might require a switch to another fund, or a change to the economic outlook, which requires changes to your asset allocation.

This is the process of ensuring that as the assets that make up your investments perform differently over time, this may create imbalances in the make up of your portfolio, possibly changing its risk characteristics. A regular review will enable your portfolio to stay aligned to your risk profile.