We believe that the key factors which govern our clients’ investment returns are an asset allocation approach combined with low charges and high diversification.

Risk vs Return Balance

There is no such thing as a free lunch and higher returns are only available with higher risk. We ensure that our clients understand the risk versus return relationship.

Our portfolios have given consistently positive returns over time, however we want our clients to understand the possible effects of market downturns.

Behavioural Coaching

Research for over 20 years has shown consistently that the biggest effect on an investor’s return is their behaviour. They have a natural tendency to sell after markets have gone down and buy after they have gone up.

Our understanding of behavioural finance ensures that our clients get the correct advice at critical times so they do not make the wrong decisions.

We believe that the key factors which govern our clients’ investment returns are an asset allocation approach combined with low charges and high diversification.

Markets go up and down

We also tell our clients that the markets will go down as well as up and we ensure that our clients invest in accordance with their personal risk tolerance and their personal capacity for loss.

Using our cash flow forecasting tools, we show them what effect successive major market downturns would have on their cash flow and how it might affect their lifestyle.

While our ‘standard’ sustainable portfolios are ideal for most of our clients, some clients want more focused ethical portfolios and for them we have Discretionary Fund Management arrangements.

We work with Crossing Point, King & Shaxson, Sarasin, & Tatton who can provide their own specialist expertise to ethical investing.

Expert Partnerships

If you would like more information about these DFMs, please get in touch and we will be pleased to help with specialist expertise in sustainable and ethical investment strategies.

Alan’s Credentials

Alan is one of the most highly qualified financial advisors in the UK. He is continually attending seminars and conferences to enhance his reputation as an expert in wealth management and investing.

• Chartered Financial Planner
• Chartered FCSI
• Certified Financial Planner
• IMC Certificate holder
• CFA UK member