We start by collecting personal and financial details relating to your existing circumstances. As part of this process we also establish:

• Your tax position
• Your financial priorities and aspirations
• Your Personal Risk Profile, as regards your appetite for investment risk.

We then analyse your affairs, do appropriate market research and produce a report for you, addressing the above issues. As mentioned earlier, the investment recommendations may use such tax efficient “wrappers” as ISA’s, Unit Trusts, OEIC’s and Insurance Bonds.

Establishing your Personal Risk Profile enables us to:

• Create an Asset Allocation Model that matches your Personal Risk Profile
• Select investment funds to fit into that Asset Allocation Model.

Asset classes include equities, (company shares), government securities (gilts), corporate bonds, property, hedge funds and so on, both UK and overseas.

From time to time, client’s circumstances and requirement may dictate that a Discretionary Portfolio Management service is the most suitable approach. We have good business relationships with a number of such investment houses and where appropriate can make such recommendations with confidence. Pension & Investment Partners LLP would continue to advise on the overall financial and tax strategy and would continue as the link between the Discretionary Investment Manager and the client.