Iam authorised and regulated by the Financial Conduct Authority (FCA) through Raymond James Investment Services. The advice I offer, is restricted in that I specialise in investment management services across the whole of the market. It does not mean I am limited to certain providers.  Although I do not offer financial planning and tax advice personally, I work closely with different financial planning and tax advice firms, and introduce my clients when they have these requirements. This enables me to match the client’s needs and personality with the most appropriate firm and individual.

Before commencing any relationship and service, all clients must complete a Client Investment Profile and Risk profile. The risk profile exceeds usual psychometric standards for validity and reliability by adding other dimensions and common sense approach to your needs and requirements.

Risk

Risk is broken down into three parts:

  • Risk Tolerance – the outcome of the risk questionnaire – this focuses on how much risk you prefer to take.
  • Capacity for Loss– How much risk can you afford to take.
  • Risk Required – How much risk do you need to take to achieve your goals.

Having established a risk profile based on the above elements and agreed the main Investment Objectives of your investment pots, your money can be managed under the following services.

Core Services

  • Discretionary Portfolio Management: – Day to day investment decisions are left to me, your dedicated portfolio manager at Raymond James, to manage within agreed parameters and within the Raymond James agreed framework.
  • Advisory Portfolio Management:– Before any portfolio changes are made, I will discuss the rationale with you. This service is aimed at clients who have high market engagement and a good level of knowledge..
  • Execution Only services: * – No advice is given, instruction to trade comes from you. Raymond James provides access to their custodian and trading services only..

*Execution Only services are only available to clients who have portfolio management services.

Other Non-Core Services

  • Lending: – At Raymond James, clients may need additional liquidity without wishing to cash in their investments. This maybe for many different reasons from short term liquidity needs to tax efficiency. Your investment portfolio can be used as collateral to borrow money in a quick and efficient way, without many of the constraints enforced by banks and building societies. CLICK HERE for Loan Account FAQ
  • Cash:– Cash based accounts through Raymond James or Pershing Securities Ltd (custodian). Pershing Securities Limited is a member of the London Stock Exchange and is authorised and regulated by the Financial Conduct Authority. Please ask for further detail.

Keeping You Informed:

  • Regular face to face meetings
  • Investor Access (secure online access to view your portfolio and the last two years transactions)
  • 6 monthly Valuations as a minimum