Investments & Pensions

You and your Investments & Pensions

A detailed assessment of your existing assets and financial arrangements is vital before offering you tailored advice. With many options to choose from, we’re determined to find what’s right for you, and help you to achieve your financial goals in a tax-efficient way.

Our experienced team of advisers will explain each step of investing your money, before calculating a strategy built around you. We only look at regulated investments and use tax privileged accounts that are designed to maximise tax efficiency, ensuring you utilise your annual allowances and exemptions.

All costs and risks are explained to you upfront and in detail. That way you can discuss and choose from a variety of investment options designed to meet your needs. Depending on your requirements you can decide to meet with your adviser regularly to review and manage your investments.

Your capital is at risk. The value of your investments and any income from them may fall as well as rise and is not guaranteed. You may get back less than you invest.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

How we structure your Investments

There are many factors to consider when deciding how to invest your money. Our advisers will consider your circumstances and wishes, before making a recommendation.

  • Attitude to risk
  • Your capacity for loss
  • Investment preferences e.g. ethical investments
  • Investment timescale
  • Access requirements
  • Your tax position

How Wrap Platforms work

Our approach to Investments & Pensions

Step 1 of 6 - Your goals

We meet in person to establish your life goals, personal circumstances, aspirations and concerns.

Step 2 of 6 - Your information

We collect all relevant personal and financial data and try to predict any upcoming issues.

Step 3 of 6 - Analysis

We assess your current position and how you have arrived there, with the intention of making a recommendation on the type of products that will suit your needs.

Step 4 of 6 - Design your strategy

Having completed the preparatory work, we will make tailored recommendations, setting out a suitable strategy which can be used to get you where you want to be.

Step 5 of 6 - Implementation

We agree to implement a strategy that helps you achieve your objectives over a given period of time.

Step 6 of 6 - Regular reviews

If you so choose, we’ll meet on an ongoing basis to assess your strategy and implement the next steps in your plan.


Need help with Investments & Pensions?

Our business is based on taking the time to listen to people like you and providing advice to help you on your financial journey.

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