Building Suitable Portfolios
We don’t push exotic investments or try to beat the market through clever timing. Instead, we help you build diversified portfolios that match your circumstances, timeline, and comfort with risk.
Asset-backed Investments
You've worked hard for your money, and watching it lose value to inflation feels frustrating. We help you understand how owning real assets can protect and grow your wealth for the future you're building.
The tax treatment is dependent on individual circumstances and may be subject to change in future.
Tax planning and trusts are not regulated by the Financial Conduct Authority.
This information is for guidance only and does not constitute financial advice.
Asset backed investment guide
When saving isn't enough anymore
You've been sensible with money – putting it aside, building up savings. But those cash savings are quietly losing purchasing power while everything gets more expensive. Asset-backed investments mean owning real things that can grow in value: profitable companies, property, government bonds. It's not about getting rich quick – it's about making sure your money keeps its value for the life you're planning.
Types of asset-backed investments available:
- Company shares giving you ownership in businesses that employ people and make profits
- Unit trusts and OEICs where professional managers invest across hundreds of companies for you
- Stocks and Shares ISAs protecting £20,000 per year from all taxes on growth and income
- Government gilts offering guaranteed returns backed by the UK Treasury's promise to repay
- Investment bonds combining life cover with tax-efficient growth and flexible access to your money
- Friendly society plans letting you invest small amounts tax-free from £25 per month
Unit trusts and OEICs pool your money with thousands of other investors, spreading it across many companies. Professional fund managers make the day-to-day decisions while you benefit from diversification.
Stocks and Shares ISAs shelter your investments from all UK taxes. With £20,000 allowance per year, they're crucial for anyone serious about building wealth over time.
Gilts are loans to the UK government with guaranteed repayment. They're the safest investment available, though returns are typically lower than shares over long periods.
How we help you invest sensibly
Regular Investment Discipline
Investing lump sums feels daunting and timing markets is nearly impossible. Regular monthly investing smooths out volatility and builds substantial wealth through the simple power of time.
Making Tax Work for You
ISAs are incredibly valuable for long-term investors, but many people don’t use them effectively. We ensure you’re maximizing tax reliefs and not paying more than necessary to HMRC.
Honest Risk Conversations
All investments can fall in value, and we never pretend otherwise. We help you understand what you’re taking on and ensure you’re not risking money you can’t afford to lose.
An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.
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 help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Trusted by people who want their money to last
We've helped families understand investing and build portfolios that protect their wealth for the years ahead.
How can we help grow your wealth?
Let's find investments that work for your situation
We'll help you understand your options and build something that lets you sleep peacefully at night.