Investment & Savings Advice

Whether you're wanting to save for something small or a larger purchase, we can help you with a choice of investments to meet those needs.

Sensible investment planning revolves around understanding what your investment aims are. We can look at an appropriate strategy that's tailored to your needs

We'll take the time to match you up with investments that will suit both your attitude to risk and tax position.

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.

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

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

Planning your future - a diverse portfolio that includes ISAs

Individual Savings Accounts (ISAs)

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).

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.

Unit Trusts

Unit Trusts

A unit trust may reduce your risk of investing in the stock market by pooling your savings with thousands of others, and then spreading the money across a wide range of shares or other types of investment.

Unit Trusts


Open Ended Investment Companies were introduced from Europe into the UK in 1997. Open-ended means shares in the fund will be created as investors invest and cancelled as they cash in.

OEIC's quote a single price, and a levy which shows the costs of buying/selling.

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