Savings and investments can form an important part of the financial plan for many of our clients. Where to place, protect and grow their hard earned income? Working with an experienced and expert independent financial planner can make all the difference to how your money can grow.
As a firm of Independent Financial Advisers (IFA), we provide savings and investments advice throughout the North East of England from our base in the market town of Morpeth, Northumberland.
Savings planning – our approach
There are many ways to approach savings and investments and in order to create the best route for you, we would firstly get as full a picture as possible to understand your aims and objectives in creating a savings and investments plan. Your attitude to risk is important, as is whether you have a need for investment income, capital growth or both.
There are various reasons why having a savings and investments plan would be a good option for you;
- To improve the returns that you are getting from bank savings
- To boost your retirement income beyond your pension pot
- To invest for tax efficiency
- To fund future costs such as a child’s education or to support your beneficiaries
We focus on these key areas when advising clients on their investment needs:
- Diversification – The spread of capital between different asset classes such as cash, fixed interest, property and shares to get the best mix for you.
- Risk – Focusing on what investment risk means, discussing “risk versus reward”, and forming the right plan to match your own risk profile.
- Tax – Constructing solutions to best utilise your unique circumstances regarding tax.
Whatever your savings and investments planning requirements are, we will offer the most suitable help for your needs and situation, looking at the whole of the market with our expert, independent financial advice.
We will research a range of savings and investments types, such as ISAs, OEICs, unit trusts and investment bonds based on your needs, goals and risk profile.
As an independent financial advice company, our job is to help you achieve your ambitions, ensuring that you are as prepared as you can be for your future needs.
To find out how we can assist use our contact form here
Please note: The value of an investment and income from it can go down as well as up. Your capital is at risk. The Financial Conduct Authority does not regulate taxation advice.Equity investments do not afford the same capital security as deposit accounts. Levels, bases and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.