THE WAY WE WORK

Our financial planning process has been tried, tested and refined over a number of years. It enables us to understand your financial goals, the risks you are prepared to take when investing and the ongoing level of service you expect to receive.

By following this process, we ensure that all our clients are familiar with and understand our methods and that we consistently provide an unrivalled level of service and success.

ASSES YOUR FINANCIAL GOALS

We will review your existing financial position and help assess what your financial goals are both now and in the longer term.  For this, you will need to set aside some time to talk to us - the first one-hour consultation is free of charge with no obligation at this stage.

CARRY OUT A NEEDS ANALYSIS ON YOUR FINANCES

Depending on your instructions we will carry out a needs analysis based on your current situation, taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.

LOOK AT YOUR FINANCIAL PROVISION

You will also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course, it will all be sensibly balanced in relation to your current income and expenditure.

CARRY OUT A NEEDS ANALYSIS ON YOUR FINANCES

In almost all cases we are able to make financial arrangements and recommendations which you would be unable to make for yourself. All our proposals are fully explained and cost so that you are clear about why any investment or product is purchased.

KEY STEPS IN THE FINANCIAL PLANNING PROCESS

  • We will meet with you to discuss your financial needs and goals and will assess the areas where we can add value for you.

  • We will complete a full financial review and establish your attitude to risk.

  • We will also discuss our client agreement and the cost of our services.

Step One - Initial Meeting

  • We will conduct an assessment of your existing financial holdings and we will match your financial goals with your short and long term requirements.

Step Two - Gather Data and Set Goals and Aims

  • We will analyse your current financial situation and your current financial holding.

  • We will then send you our preliminary financial report and recommendations.

Step Three - Prepare your Financial Plan

  • We will meet with you to discuss our preliminary financial report and recommendations and why we believe they are appropriate for your situation.

Step Four - Present and Discuss your Financial Plan

  • After we have discussed our recommendations with you we will agree your personal wealth management plan and agree a regular review strategy.

  • We will then make arrangements to implement the plan.

Step Five - Implement the Agreed Plan

  • If you have chosen to receive an ongoing service from us we will arrange regular review meetings to make sure your plan stays on track.

Step Six - Review your Financial Plan Regularly

OUR APPROACH TO INVESTING

The technology we use has access to a wide range of leading fund managers and their funds, ranging from investments in shares, to cash, bonds and commercial property.

ACTIVELY MANAGE

We offer a range of specially selected portfolios designed to help you achieve your financial goals in line with your goals and attitude to risk.

RANGE OF SELECTED PORTFOLIOS

Our portfolios are based on independent research and analysis from Rayne Spencer Mills, a leading name in fund research.

PORTFOLIOS BASED ON INDEPENDENT FINANCIAL RESEARCH

The technology we use has access to a wide range of leading fund managers and their funds, ranging from investments in shares, to cash, bonds and commercial property.

WIDE RANGE OF FUND MANAGERS

Our technology also puts all your investments in one place, ensuring we, and you can keep a close eye on your money with much less paperwork involved.

KEEPING ALL YOUR INVESTMENTS ONLINE

Our wrap platform technology also puts all your investments in one place, ensuring we, and you, can keep a close eye on your money with much less paperwork involved.

KEEPING ALL YOUR INVESTMENTS ONLINE

When you invest with Caledonian you are given 24 hour on-line access to your portfolios so that you can track progress.

24 HOUR ONLINE ACCESS TO YOUR PORTFOLIOS

We use leading technology to actively manage your investment and balance your portfolio to ensure it stays within the plan you agree with us.

ACTIVELY MANAGE YOUR INVESTMENTS

The technology we use has access to a wide range of leading fund managers and their funds, ranging from investments in shares, to cash, bonds and commercial property.

ACTIVELY MANAGE
RISK AND RETURN ARE STRONGLY LINKED

Our role as financial advisers is first to identify which risks offer consistently higher expected returns and which do not, and then to offer clients exposure to those risks in a structured, disciplined and cost-effective way. To do this we need to understand our clients’ goals and objectives but also their attitude to risk and capacity for loss over relevant time periods.

INVESTING FOR THE LONG TERM IS VERY DIFFERENT THAN SAVING FOR THE SHORT

While there is an understandable desire to keep things safe when investing, the corrosive impact of inflation means that standing still in absolute terms means clients are going backwards in real terms.

OUR INVESTMENT PHILOSOPHIES 

THE BULK OF LONG-TERM RETURNS COME FROM ASSET ALLOCATION

Academics will continue to argue about the precise amount of value that comes from asset allocation rather than stock selection, investment style or market timing, but it is widely accepted that asset allocation has the biggest influence over the variance in portfolio returns

DIVERSIFICATION IS ESSENTIAL

Diversification is the principle of spreading investment risk around. Our investment portfolios therefore hold the shares, property and bonds of many companies and governments in many countries around the world. As we believe in the power of capital markets as the most important long-term driver of returns, we focus our efforts on building diversified portfolios of assets to meet our clients’ needs rather than spending time making individual predictions or judgements.

COSTS MATTER

Over long-time periods, high management fees and related expenses can be a significant drag on portfolio performance. The charges taken by the fund manager can impact substantially on the fund returns, especially in flatter markets. Costs, like interest, also have a compounding effect over time.

ACTIVE AND PASSONG INVESTING HAVE A PLACE

Investment funds are often categorised as active or passive. An active fund manager is one who makes decisions about holding one investment over another. They try and beat the markets or their chosen benchmarks.

Passive funds are willing to accept the market rate of return and enjoy smaller fees than active funds. As previously stated, asset allocation and costs are a very important consideration.

INVESTING SUCCESS COMES FROM THE CONSISTENE APPLICATION OF A ROBUST PROCESS

Without the application of a robust process, the emotional aspects of investing can prevent investors from making the best decisions. As a firm, we consistently apply a multi-stage investment advice process designed to deliver suitable advice to every client. The outcome is tailored to meet individual objectives but the process itself is always the same.

TAX AND ACCESS ARE IMPORTANT

Making investment tax efficient is a sensible objective and wherever we can we will try to reduce the tax your investments will pay. Use of pension wrappers and ISAs will assist in this objective. Offshore bonds may be appropriate in some cases.

We use platforms to hold our clients’ investments. These offer safety, access to valuations and tax wrappers (pensions and ISAs for example). They also allow us to move clients’ money between portfolios cost effectively if we need to.