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Savings and Investment Advice in Northumberland

Savings and investments can be very complex with many different aspects to consider, including taxation, your attitude to investment risk, the length of time you wish to invest for, appropriate asset allocation and consideration for reducing risk when and where appropriate as you near goals and aspirations.

It’s important to make the most of the assets you have and ensure they are working in the best possible way for you. With all these considerations you need an adviser with a wealth of experience in this area, who can help impart his knowledge and share his experience with you. It’s equally important that your adviser not only provides the ideal solution for you but also explains it in a way that’s understandable.

Many people have funds sitting in deposit accounts earning a lot less than the current rate of inflation, coupled with taxation these ‘safe’ deposits are actually being eroded and losing real value over time. Whilst asset backed investments have a perceived risk, over the medium to long term there is an opportunity for real growth on the investments.

Lots of people have investments in funds either with banks, or previous advisers who are no longer in the industry. In recent times many banks have made their financial advisers redundant. These investments have often not been reviewed recently. To ensure they are still consistent with the level of risk you are prepared to take, are cost effective, tax efficient and are in funds with a consistent track record we offer a full review service.

We will endeavour to ensure you maximise your tax efficient investment allowances every year to benefit from enhanced growth and/or income.


When you earn money, make money or save money, there is usually one man that’s looking for a share of it – the tax man. However there is one very important savings & investment tool that can protect your hard earned cash from him. The Individual Savings Account (ISA) offers a tax haven. Because the government want to encourage us all to save more they came up with the ISA as an incentive. Both cash and stocks and shares can be held within ISA’s.

Unit Trusts & OEIC’s

Unit trusts and open ended investment companies (OEIC’s) are forms of shared investments, or funds that allow you to pool your money with thousands of other people and invest in world stock markets. Unit trusts & OEIC’s have proved incredibly popular because your money is invested in a broad spread of shares and your risk is reduced.

Investment Bonds

Allow you to invest in a range of funds managed by various professional fund managers. Life insurance companies provide the bond and they aim to provide an income and/or produce capital growth. These can be held either onshore or offshore depending on your circumstances. There are still some advantages to investment bonds over other investment vehicles this is often used in conjunction with inheritance and succession planning.


Platforms are basically a vehicle which allows you to hold all your investment and pensions under one roof. Think of the almost like an umbrella and under that umbrella are all you investments and pensions. This approach is often popular. The benefit of platforms is that you can purchase funds without an initial management charge, often there will also be a rebate from the fund manager into your plan. There is a cost of the platform which varies from provider to provider. We will source the most suitable for your needs.

Also available are Exchange Traded Funds, Investment Trusts, Venture Capital Trusts, Enterprise Investment Schemes and Structured Investments.


The Financial Services Authority does not regulate taxation and trust advice. Levels, bases of and reliefs from taxation may be subject to change and depend on the individual circumstances of each client

Financial Services Compensation Scheme (‘FSCS’)
We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business and the circumstances of the claim.

  • Most types of investment business are covered up to a maximum limit of £50,000
  • Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

Further information about this compensation scheme arrangement is available from the FSCS.