Our process to provide advice bespoke to you


We calculate how much money you need projecting your spending to age 100 and agree your "forward financial plan".  

Common sense Investment

We mediate between the client and “Investment trusts,” a British invention which has worked well investing in companies which create wealth and employment, whilst spreading investment risk for generations of wealthy families, and big financial institutions. Mediating means we negotiate buying or selling after discussion and agreement with the client.

We do not include products whose only function is to make money, so do not advise on "Exchange traded funds" or "Structured products". We are therefore not "Independent Financial Advisers," we are "Restricted advisers"

We are different to stockbrokers. We use stockbrokers to make the buys/sells but only after we have gone through our advice process which has been designed to make sure that the portfolio created is suitable for the client.



Hope for the best plan for the worst

We research “Investment trusts” which make their money by investing in  UK and overseas companies and in commercial property.History has taught us that there are times of world economic crisis, example 1825, 1929 to 1939, 1987, 2007 to 2009. During these periods of crisis the values of the underlying investments have fallen and therefore so have the value of the investment trusts, in my experience as much as 80%. What has then most often  happened is that as the  economy recovers the investment trusts increase in value, and  continue to grow at above  inflation rates. “Investment trusts”can themselves borrow money and there have been occasions where the banks require their loans  to be repaid  which has not been possible and the “Investment trust” has collapsed with total loss to the investor. To reflect that “Investment trusts” can fall in value  and that you can lose your capital we describe these products as “not insured”. I combine with building society, national savings, bank deposits and UK Treasury products which we describe as “insured” to make a “Bundled package”  that manifests your attitude to risk.

We aim to allow you to always be in control

You decide the ratio of "insured to "not insured components" and in  this manner you are describing the manifestation of your attitude to risk. The  more you have “uninsured” the more money you might make but the more money you could lose! 
To help we carry out a "capacity for loss test." Once you have decided on the manifestation of your attitude to risk we test this by simulating the impact of a 50% fall in the stock market on your future income potential.


We are not tax advisers but we take tax into account when creating a "Bundled package" For detailed information on the points we may consider in preparing for an advice meeting please refer to our guidance library by clicking below:

Last budget summary
Taking income in retirement
Business succession
Taxation of property
Investing tax efficiently
You and yours estate planning
Saving for retirement
Making the most of lSA’s
Investment planning
Investing for children
Pensions tax Planning
Latest guidance updates 

Resetting your course

When an aeroplane pilot sets a course from Dublin to New York he knows there will be adjustments to be made during the flight. In order that your investment planning can be re-set when appropriate each  year we ask you to attend an annual advice meeting. 
-we are continually evaluating “Investment trusts” on our buy list and whilst changes are occasional when they occur it will be for a good reason and we need to discuss advice on advisability on holding/selling products.
-new opportunities are continually arising and when I feel I can identify these I may wish to advise you to add to your portfolio.
-the advice meeting provides the opportunity to react to changes in your circumstances and recommend appropriate actions as your situation requires. 

False Hope

False hope describes people who "put their head in the sand" and do not face up to the implications of avoiding making necessary changes. I believe it is best that you attend the annual advice meeting, but if you do not wish to attend an advice meeting you will be reclassified as a "non-advised" client and our charges will be reduced to a  minimum retainer of £50 per month plus £40 per instruction to buy/sell that you give us. If subsequently you agree to attend the advice meetings and take our advice we will re-classify you as our "advised client" with our normal fees payable-(see "Client agreement")