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Although personal service is an important element, clients come to us as they trust us to look after their wealth in a responsible and sensible manner, fulfilling not only their objectives such as saving for retirement or school/care home fee provision but most importantly their risk profile.

This is key to what we do. It is essential that we have a thorough understanding of a client’s tolerance and capacity for risk so that the portfolio we deliver provides the desired outcome. Once these elements are established we look to create the portfolio.

The chart below gives an overview of the process and how we move down from macro economic analysis through to the individual investment selection. 


Our Process


Having carried out a thorough global economic analysis, we begin the construction of a portfolio with a top down approach. This recognises that asset allocation is proven to be the most important decision in the risk and return profiles of a portfolio. We seek to invest in a spread of assets that have different characteristics both with risk and return. This asset class diversification is designed to reduce the volatility in a portfolio. We will look at a wide range of assets including:

  • Government and Corporate Bonds
  • UK and Global Equities
  • Property REITs
  • Commodities
  • Alternatives (e.g Infrastructure Funds)
  • Cash

Each of the above has its own characteristics and we seek to hold them either directly or through collective investments, whichever is most suitable for the portfolio and the client.

Whilst we are active investment managers, we do see the benefits of some passive exposure, in particular recognising the importance of the asset class, and also potential cost savings.

Get in touch

We're based near Ponteland in Newcastle upon Tyne. If you would like to get in touch to discuss anything please call the office on 0191 303 9320 or 07922 573873.