Is my money safe?
Yes, we do not hold any of your capital or money. This will always sit with reputable, regulated third parties from banks, pension administrators and investment accounts.
What if something happens to Richard?
We hold a legal agreement with another wealth management firm, who would liaise with Luke and all parties involved in your strategy to maintain our service agreement. Alternatively, you would be able to appoint a new adviser. There may be some small inconvenience but no financial loss.
Will it cost me more money working with you?
We're very confident that our proposition will work out competitively priced against our peers. Our fixed fee pricing model, inclusive of transactions, combined with our way of implementing your financial strategy allows us to offer a very compelling solution.
What is the profile of a typical client?
We're engaged with 65 households, with an average age of 54 and investment capital of £2.5m (ignoring cash and other assets). The majority of our clients accumulate their wealth from business interests and ventures. We're very familiar with complex financial affairs.
Do I need a minimum amount of wealth to be a client?
We would say that you need at least £500k of savings capital for us to be able to add value to your position, allowing for our fees and your potential total costs. Paying excessive charges will only dilute your wealth and is against our principles and values.
How are you like a family office?
We have an extensive network, so we are able to help facilitate multiple lifestyle services for our clients. This includes private aviation, off market property transactions, private equity/co-investor opportunities and hospitality/events. Our approach also means that we oversee and coordinate other advisers and services, helping to streamline the management of high value balance sheets. Our administrative services also ease the burden of looking after complex financial affairs.
I've got my own ideas, how does this fit with your service?
We encourage our clients to do their own thing and have a playpot so that they can embark on business ventures, property projects and have some fun. Unlike our peers, our fixed fee model means that we're not trying to get all your money!!
What is your investment approach?
Put simply, we appoint and lead a team of investment managers on behalf of our clients, working in the same way as a family office. We believe that the financial planning strategy should lead the investment approach, as we'll know your target annual return, duration and ability to withstand falls in the financial markets. We're then able to set an appropriate investment mandate and leverage from the capabilities of professional investment firms. This brings a much more dynamic approach and multiple benefits to our clients;​
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Our comprehensive research and diligence process means we can appoint a strong investment team.
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Your investment strategy will be aligned with your financial plan.
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Your portfolio will be spread across different assets and regions.
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Timely changes will be made to your portfolio by the investment managers, in line with market developments.
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Day-to-day decisions are made by reputable and well resourced investment teams.
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Your returns are derived from more than one approach and views on the markets.
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We continue to monitor and challenge investment decisions on your behalf.
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The overall cost of your wealth strategy remains very competitive.
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