Where investment management is required, we will always outsource investment management to a discretionary investment manager to ensure independence. They actively manage the client’s portfolio in accordance with their specific investment objectives based upon our knowledge and understanding of the clients personal circumstances and risk profile.  

Each investment portfolio profile is constructed by the discretionary manager to combine the expertise of leading external fund managers coupled with stringent monitoring and controls of investment risk and volatility.

They employ a rigorous initial selection and on-going review process employing both quantitative and qualitative analysis. In times of market uncertainty, they seek to move portfolios into defensive positions if required.

Portfolios are constructed, monitored and managed through third party dealing and administration platforms. We agree a fee with the client to include investment management and do not receive any commissions from the platform. This is consistent with UK best practice following the Retail Distribution Review.