Private Clients

We pride ourselves on our ability to find the right solutions to match each client's unique circumstances and to deliver effective advice in a friendly, helpful and practical manner.

Financial Review

It is important to review your personal and financial arrangements regularly to ensure that your objectives are met both now and in the future.

We encourage clients to come back at least annually and more often should circumstances change throughout the year. It may be that your employment or income circumstances have changed or you may wish to change your attitude to investment risk.

Investment Portfolio Planning

We can help you design an investment strategy which is suitable for your individual needs and that hopefully will allow you to realise your personal objectives.

Some clients may want a simple investment portfolio with low cost tracker funds and have no desire for detailed investment management.  This is something we would describe as a “passive” service.  Alternatively, other clients may want a more active investment service and in this regard we can offer regular reviews of actively managed funds in carefully designed investment portfolios.  Actively managed funds offer the potential for greater investment performance, but it is important that these funds are regularly reviewed against their respective sectors because out performance cannot be guaranteed and the value of your investments can go down as well as up. As part of the investment process we offer solutions designed to reduce fund costs and provide the widest choice of funds for client investment portfolios.

Retirement Planning

The range of options available at retirement have greatly increased over the last few years. It is no longer simply a choice between a guaranteed annuity income or drawing an income from a pension investment portfolio. There are a wide range of pension and non pension products which can be utilised in retirement planning.

It is therefore crucial to be aware of all the options when you are looking to retire because these can significantly impact on your income in retirement. We can advise not only as to the most appropriate solutions for your needs but also how they should be structured to maximise income in retirement.


You never know what is around the corner so it is essential that you make plans to provide financial security for you and your family when it is most needed, in sickness or after your death.

In addition there are other areas that you might need to consider – for example the provision of long-term care, inheritance tax planning and financial protection for your business.

Our advice to clients will generally cover the appropriate use of the following financial protection policies:

  • Life Assurance
  • Income Protection Insurance
  • Critical Illness Cover
  • Long-Term Care Insurance for nursing care needs

Contact us to discuss how we can provide tailored advice to meet your company’s requirements.