Our services

Investment Planning.

Investment planning. Taking the hassle out of investing .

Investment planning

Investment planning is all about making the money that you have saved work as hard as possible for you.

The foundation of any investment plan is to make sure that you have adequate funds available in cash or readily-realisable investments. Typically, you need a minimum of 3 months expenditure set aside, but many people in retirement prefer to have up to a year’s worth of expenditure easily accessible. This means that they are able to meet any unexpected costs, and that they do not have to liquidate longer-term investments at the wrong time.

We then work with clients using our cashflow forecasting software to establish how much can be tied up foot the longer-term and which investments they would feel most comfortable with.

Using the resources available to us, we then develop an investment proposition for you which reflects your requirements, and discuss this with you to obtain your views.  If you are happy with what we have recommended then we implement your investments using the most cost-effective and flexible vehicles. 

Levels and bases of reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor. We recommend that the investor seeks professional advice on personal taxation matters. 

Is investment tax a thing?

There is no point in having an investment that performs really well, only to fund that the returns are taxed at your highest marginal rate of income tax.

Many people are unaware that they also have an annual Capital Gains Tax Allowance, that enables them to generate tax free returns on an ongoing basis. It is also possible to invest up to £20,000 each tax year in Individual Savings Accounts (ISA). By using these allowances and other financial planning techniques, it is often possible to generate significant gains without a tax liability.

We are experts in using all of the allowances available to you, to make sure that your investments work as hard for you as possible.


What do the team think?...

Using The Quantum Programme I can access the whole financial picture for my clients. Regular check-ins through The Calibration Audit mean that their plans and investments are always optimised.
Josh Lenihan, Wealth Strategist

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Also see...

Protection Planning

This forms the basis of any good financial plan and helps you to be able to plan for the future, whatever you want that to be. We assess your long-term goals and create a plan to ensure secure your families future and well-being.

Financial Legacy planning

Inheritance Tax

Careful inheritance tax planning can significantly reduce how much inheritance tax you and your family will have to pay. We work to minimise your liability and maximise your legacy by implementing a number of management strategies that are available to us due to our independent nature.

Ethical investing

Investing in sustainable and ethical companies is becoming a more common approach for investors as the returns they provide are often equal to any other investment option. Our team can work with you to ensure your investment strategy meets your personal beliefs and choices.

Legacy planning services

Legacy Planning

Building a strategy that prepares for life after… You may wish to pay off a family mortgage or ensure grandchildren have money available for education. Whatever you decide your legacy is to be, we can ensure that an appropriate plan is in place.

Future estate planning is essential to protect your wealth

Business Owner Strategy

Our team can help to take the pressure off the financial planning side of running a business, ensuring that appropriate policies are in place. Equally, if you want to leave the business, we can advise on the best time and method of doing this. 

Retirement Planning

We work to establish what you want your retirement to look like. We analyse your current arrangements – pensions, investments and other assets such as properties and businesses, before deciding with you how to best use them to fund your retirement.

Estate Planning

Helping you to put together a clear plan that details how, and by whom, your estate is to be managed. We will ensure a strategy is put in place to utilise all available allowances while minimising any additional costs.

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