Savings & Investments

Savings and Investments play an important role in financial planning.

Savings are generally deposit accounts with a Bank or Building Society. Your capital will receive interest on an ongoing basis and you have access to the monies at the given notice period, for example instant access. Savings are generally used as a cash reserve to cover any unforeseen circumstances or a specific purpose such as holiday or the purchase of a new car. Investments tend to be a longer-term option involving some degree of risk to your capital.

It is very important in any plan that savings are dealt with first and foremost and only once an agreed level of savings is reached would one consider investing for the longer term.

In order to provide any advice in this area we would carefully discuss a number of important issues with you, including your attitude to investment risk, your preferences in relation to environmental issues and the timeframe you are looking to invest over.

Most clients will have already accumulated a number of different accounts and investments over time and therefore part of the overall process would be to consider these options and how we could integrate them into any recommendation.

Once we have a complete understanding of your objectives, we will put forward a plan, to suit your specific requirements, in the most tax efficient manner possible.

Advice Team

Phil Boon

Phil Boon

Director and Independent Financial Adviser
Graham Hume

Graham Hume

Director & Independent Financial Adviser
Stephen Sale

Stephen Sale

Director & Independent Financial Adviser
Michelle Murphy

Michelle Murphy

Independent Financial Adviser
Adam Whittingham

Adam Whittingham

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Please feel free to contact us if you would like to enquire further