Wealth Management

Wealth management is really a round-up of all aspects of a person’s pensions, investments and savings. Every client will have different needs and objectives, and it is our job to understand them fully, as well as having a complete picture of their current financial circumstances.

We then explain in detail the concepts of investment risk and return so that clients can then give us an accurate understanding of how much investment risk they want to take. This leads to a suitable mix of investments (asset allocation) that should provide the best returns consistent with the client sleeping well at night.

At this point we can decide on the best tax wrapper. This is effectively the structure for the investments: ISAs, unit trusts, open ended investment companies, onshore insurance company bonds, offshore insurance company bonds, savings accounts. Each of these has particular tax effects which will be influenced by the asset allocation. The most suitable choice of the wrapper will also depend on the tax position of the investor, now and in the future.

Then we select the best funds we can find to fulfil the objectives.

Regular reviews are essential for optimum performance. We want to maintain lasting relationships with our clients and make changes to portfolios to reflect changes in the law, economic circumstances and shifting client needs.

If you are interested in finding out more about our Wealth Management services in Berkshire and Buckinghamshire please call us on 01494 461221 (High Wycombe, Buckinghamshire) or make an online enquiry via our form.