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Areas of Advice

A tailored approach to
wealth preservation and growth

Investment & Savings Advice

Why do I need to Invest?

To meet both short and long-term investment needs. Short-term needs may include saving for a car or a holiday, whereas long-term investment needs could be saving for retirement, school fees or providing capital for children as they grow up.

Helping you with your Portfolio

The various assets owned by an investor are called a portfolio. As a general rule, spreading your money between the different types of asset classes helps lower the risk of your overall portfolio underperforming.

Environmental, Social, and Governance (ESG) refers to the three central factors in measuring the sustainability and societal impact of an investment in a company or business. We are committed where possible to the integration of ESG factors in our investment process and are delighted to offer this as an option for those that would like to explore ESG investments in greater detail.

Planning investments takes time. This is where we can help, both in advising you on your investment needs and your portfolio.

Please contact us so that we may assist you in determining an investment strategy most appropriate for your needs and circumstances.



Individual Savings Accounts (ISAs)

You can save tax-free with Individual Savings Accounts (ISAs).

In the 2024 to 2025 tax year, the maximum you can save in ISAs is £20,000

There are a number of different types of ISAs, shown below:

  • Cash ISAs
  • Stocks and Shares ISAs
  • Innovative Finance ISAs
  • Lifetime ISAs

Each tax year you can put money into one of each of the above kinds of ISAs if required. The tax year runs from 6 April to 5 April.

You can save up to £20,000 in one type of account or split the allowance across 2 or 3 types (be aware that the Lifetime ISA has a lower subscription limit within the overall £20,000 limit).



Junior ISA or “JISA” (under 18s)

This is a separate ISA for under 18s who don't hold a Child Trust Fund (CTF). A child with a CTF may choose a JISA instead if they first transfer their CTF funds to a JISA and close the CTF. The maximum subscription in 2024/25 is £9,000 (CTF or JISA).



Investment Trusts

An investment trust is a company that raises money by selling shares to investors and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments.



The value of investments and income from them may go down. You may not get back the original amount invested.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.