Our approach to Integrated Investment Management

Fundamentally, our approach is based upon the belief that asset allocation should be carefully matched to personal circumstances. We also recognise that different clients and different portions of clients' wealth need different approaches and different services.

For example, it will typically be advisable to maintain a cash reserve which is available at relatively short notice. Our Dynamic Cash Management Service is an ideal solution.

A number of our clients wish to take an active interest in the investment of their capital, and may wish to adopt a rather more adventurous, or opportunistic approach, with a limited proportion of their overall wealth. We have created an innovative solution, our Tactical Advisory Service as a cost effective solution to enable clients to execute their own ideas or consult us whenever necessary.

Investment institutions often label their clients as having a "lower risk", "balanced", or "adventurous" attitude to investment risk. We believe that such an approach is too simplistic, particularly for those individuals and families who have more significant assets, and who may have a variety of risk profiles and potential time horizons to apply to different assets. A key concept underlying our Integrated Investment Management approach is therefore to avoid applying a single, narrow, label to an individual or family we advise. Rather, we prefer to identify "silos" of assets and investments, and provide the appropriate service and apply the appropriate category of individual risk to each "silo".

Our Integrated Investment Management approach begins by building a proper understanding of our clients' total assets and investments. The next step is to understand their attitude to investment risk, and to seek to match their investment strategy to their specific goals, objectives and liabilities. We then work with clients to implement an appropriate strategy in a timely and cost efficient way. (Part of this implementation is to help ensure that clients benefit from efficient execution of investment instructions. To inspect our Best Execution policy, click on the link.)

After implementing an investment strategy ongoing monitoring, rebalancing and performance appraisal is the essential next stage. If you choose a Structured Advisory approach to looking after part of your portfolio, we will agree a frequency and method of monitoring and reporting on that element of your portfolio. Our Personal Managed Portfolio includes automatic rebalancing of your portfolio, ongoing reporting and, if you choose, a dynamic asset allocation which will change over time to help you meet known liabilities.