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In an ever changing financial climate, individuals are now faced with making more complex financial decisions which could have a great impact on their finances. Whether you are saving for the future or thinking about retirement, it is important to consider all of your savings and investments including ISAs, shares and pensions to maximise tax efficiency.

We provide investment advice and discretionary wealth management services to help you understand your personal financial situation and make recommendations to create a tailored investment strategy that works for you. This is especially important if you are thinking of retiring within the next year, as we can help you make informed decisions on how to take income in retirement.

Depending on your personal financial situation, we can help you by:

  • Managing your money and investing for your future
  • Managing your retirement income if you are about to retire

The investment advice we offer is without charge or obligation to you. If you decide to follow our recommendations and sign up to our services, our clear and simple pricing will ensure you know exactly what you’re paying at all times.

Initial Charge

To set up and create your investment strategy in line with our investment recommendations, we will charge a percentage of the money being invested:

• For the first £100,000 = 2% plus VAT
• On the next £200,000 (£100,001 - £300,000) = 1% plus VAT
• £300,001 and over = 0.5% plus VAT

We will provide you with exact details of the fee in the suitability report (prior to investment) based on your intended investment. When this is not practical, for example, transfer business when exact investment is not known, we will provide an estimate specific to the transfer value advised at the time of writing.

Annual Management Fee

• Discretionary Managed Portfolio Service – 1.5% plus VAT
• Treasured Stock Service – 0.45% plus VAT

The annual management fee is calculated on a monthly basis at a rate of one twelfth of the annual management fee based on the market value of the whole Portfolio and is taken by us from the Portfolio monthly in arrears. You can request an estimate of how much, in total we might charge based on your investment. The amount charged will depend on the ongoing value of the money being managed within our service (up to 1.5% plus VAT).

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Investment Advice

Our ISA

Diversification

Our SIPP

Brochures

How financial coaching can help people get on track with their finances.

How financial coaching can help people get on track with their finances.

23rd April 2025

Almost a quarter of UK workers (23%) have had to borrow money from family and friends in the last year because of money worries, and almost a fifth have taken on debt (18%). It seems financial worries have become the new normal. With almost 14.6 million UK adults not coping financially or finding it difficult to cope, many are looking for ways to help ease the strain on their finances.

Week ending 16th May 2025.

Week ending 16th May 2025.

19th May 2025

As you can see from the accompanying table it was a broadly positive week for financial markets. Stocks rallied as optimism round global trade helped lift sentiment and push indexes sharply higher. A breakthrough in trade talks between the U.S. and China over the weekend set the tone early, with all major indexes posting strong gains.

Market Update – 14th May 2025.

Market Update – 14th May 2025.

14th May 2025

The United States and China announced a breakthrough in trade talks on Monday, agreeing to pause most of the tariffs imposed on each other’s products for a period of 90 days. As part of the deal, both nations will significantly reduce their mutual tariffs— the US will cut tariffs on Chinese goods from 145% to 30%, while China will cut tariffs on American imports from 125% to 10%.

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