Investments & ISAs

An investment plan built around you

Start with what you want to achieve and when you expect to use the money. A future retirement income, a family gift and a nearer-term purchase can call for very different approaches. We review your existing arrangements and wider finances before discussing investments.

Your attitude to risk matters, alongside your capacity to absorb losses. We explain how a proposed approach fits your circumstances and the trade-offs involved, so you can make an informed decision.

Investments and ISAs: understand the difference

An ISA is an account structure, not an investment strategy. A Stocks and Shares ISA can hold eligible investments within the applicable tax rules, but those investments can still fall in value. A tax-efficient account does not make an investment risk-free.

We consider the account structure alongside your time horizon, access needs, risk and existing arrangements. General investment accounts may also have a role where appropriate. The current eligibility rules, allowances and tax treatment need to be checked against your circumstances.

Give each part of your money a purpose

Before investing, consider essential cash reserves and money needed for foreseeable expenses. An investment portfolio should reflect the amount you can commit, when you may need it and the losses you could afford to absorb.

We explain the proposed approach, diversification and charges. Where ongoing advice is agreed, the plan can be reviewed as your goals and circumstances change.

Understand the costs and the next steps

Investment funds, account providers and advice can each involve charges. These reduce returns, so it is useful to understand the total cost and the service you will receive before committing.

Bring details of existing investments, savings, pensions and regular commitments to your first conversation. We explain the recommendation and any ongoing service separately, including its scope and cost. Your plan can then be reviewed when your circumstances or priorities change.