INVESTMENT STRATEGIES High Income Portfolio This fund aims to provide a high income return whilst also affording potential for capital growth. The strategy currently yields a sustainable 3.92% per annum. Capital Growth Portfolio A managed fund geared to provide capital growth with a limited regard to income. The components of the portfolio, being acquired on the basis of value, afford substantial potential for the necessary growth required on top of the current very acceptable income yield of 3.77%.

Within our unique systems, we are also able to offer complementary ISAs to couples with the effect of minimising the duplication of ISA components and providing further invaluable diversity and risk management.

Presently, a couple investing £14,400 in two of our complementary ISA strategies to utilise their full ISA allowances will obtain exposure to up to twenty-six holdings. Of these, many will be collective funds (Investment Trusts or Unit Trusts). Not only does this level of diversity reduce the investment’s degree of risk but it also exposes investors’ capital to a wider range of market opportunities.

OTHER AVAILABLE SERVICES Retirement Planning Most of us look forward to the time when we can stop working and free ourselves from the daily pressure of earning a living. Retirement should mean relaxing in comfort with sufficient time and money to do the things we never had the time to do before. Sadly, for many people, the reality is dramatically different as they are faced with a substantial drop in living standards and in many cases face serious financial hardship. Are you setting enough aside to secure a financially comfortable retirement?

We are pleased to offer our own discretionary managed Pension arrangement, administered through Transact. The style of our bespoke arrangement falls away from the straight-jacket of Stakeholder legislation, providing an extra level of management, resulting in slightly higher cost. However, the extra cost involved for such benefit of absolute diversity, flexibility and daily management direction is more than justified, we trust, when considered against the potential results.

Like all of our discretionary managed investments, the pension we operate through Transact is effectively a "wrapper" service. Rather than restricting your pension to the fortunes of one fund, we can and do choose from amongst all Unit and Investment Trusts, OEICs, individual stocks and shares, fixed interest holdings and cash when selecting holdings within your pension account. This creates a very wide and unrivaled investment spread to not only reduce the investment’s risk profile but also increased return potential through pursuit of a greater scope of opportunity.

Insurance Protection
Have you considered the financial implications of you or a family member dying or being unable to work through ill-health? What protection is available to you already from your employment, existing policies or investments for example? Are you over or under-insured ? Are you paying too much for your protection?

Mortgage Broking
Not all mortgages are the same and some lender’s products are far less appealing than others. Therefore it makes sense to review the entire market before deciding on a particular mortgage. For an independent and cost-free mortgage overview, we should be happy to assist.

Execution-Only Share dealing
The competitive terms of our execution-only share dealing service stand at 1.5% of the consideration, with a minimum of £22.50 per stock. Cheaper terms are available for deals in excess of £10,000. Minimum costs elsewhere are typically far higher. We charge no commission when sale proceeds are subscribed to our managed strategies. Concessions on charges may apply for larger deals.

Tax and Accountancy Services
We are proud to be able to offer a highly professional service for both taxation and accountancy through our qualified team of tax advisers and accounting technicians. We trust that the combination of Accounting and Tax qualifications with the very specialised and high level qualifications throughout the Company ensures a high degree of competence.
Our taxation services may be particularly useful to individuals with the completion of tax returns or reclaims! Capital Gains Tax planning and assessment is also an area where we can offer assistance.
This is a highly professional, efficient and cost effective service which includes a very valuable oversight of your tax position, inclusive of your investment strategies and financial planning.

Estate Planning, Probate Services, Will Writing and Executorship Service
These services are designed to complement the additional facets of our staunchly independent investment management, financial planning and taxation and accountancy services. Many of our clients enjoy the considerable benefit of allowing each of these aspects to be catered for under one roof as it enhances our efficiency in attending to your affairs as a result of having more relevant information readily available.