We help our clients to identify the best lives they want to live – and then help them create a plan to achieve it. We use sensible assumptions and make contingencies so that our clients are able to maintain their desired lifestyles for the rest of their lives without fear of ever running out of money.

At the core of what we do – and why we do it – is to awaken people to the reality that life is not a rehearsal! Where a desire exists and resources are available then we will encourage people to live their best lives now and not put this off until it may be too late. We are strong advocates of the bucket list!

We don’t engage with many new clients but when we do, we have a number of meetings initially, always at our own expense, so that we can mutually decide if we are able to work together.

We have a minimum requirement of one comprehensive, planning meeting each year, but we are otherwise available whenever our clients need us. Our aim is to provide a financial concierge service, tailored individually to each client.

Our interpretation of ‘Wealth Management’ is a service that can be split into two parts –

Financial Planning & Investment Management.

We take the responsibility of the stewardship of our clients’ wealth very seriously, and have developed an approach to investing that strives to reach new levels of excellence in the industry.

Our investment proposition is based on “evidence” built up over decades of detailed analysis of the world’s markets.

Overall, our evidence suggests that actively managed investments do not outperform their benchmark after costs. The distribution of returns from stock markets is lopsided with returns from equity benchmarks often being reliant on massive returns from a handful of stocks. Missing these, as most managers do, consigns the majority to failure.

This is why we advocate a core holding of low cost, institutional funds that include all of the stocks in the particular markets in which our clients invest.

We further build our portfolios with additional assets to capture investment ‘factors’ available freely from markets using rules-based quantitative stock selection which aims to deliver higher returns over time than a simple index-tracking approach would.

Please contact us for a copy of our Client Agreement