Investment Advice

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Over 30 Years Experience

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We Put You First

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Completely impartial and independent advice

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FCA Authorised & Regulated

There’s lots to consider when investing your hard earned money. From ISA’s and pensions to bonds and ethical investments, the options can feel overwhelming. We’re here to provide expert investment advice to ensure your money works just as hard as you, by tailoring bespoke investment strategies that align with your goals.

Whether you’re looking to build your wealth, prepare financially for retirement or are looking to protect your existing assets, our expert team will work with you to create a tailored investment strategy that takes your circumstances, goals and attitude to risk into account.

We analyse each and every investment vehicle to help ensure you make the most of your money. We’ll provide you with complex investment plans in a way that makes sense, so you can see evidence of the potential income your investment can provide.

Once you’re happy with the plan we’ve helped to put in place, we can help to set up your investment plans and ensure everything’s structured correctly. Not only that, but we can also regularly monitor your investments, providing bespoke advice when the markets change, any new legislation comes in or your circumstances change.

Let Us Help

With over 30 years of experience when it comes to investment advice, we’re here to help with whatever you need.

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Investment Advice: When To Seek Advice

Looking To Grow Wealth

If you’re looking to increase your wealth, investing your money is a great way to do so. But there’s lots to consider and how you manage to grow your wealth differs depending on your choices. Some investments grow over time and when you sell that ‘investment’ you make a profit, whilst other investments can provide you with regular or annual income.

Approaching Retirement

If you’re approaching retirement and you’d like to balance the growth of your wealth with security in mind, approaching a financial advisor is a great idea. This may require a strategic shift to ensure you prioritise wealth preservation alongside growth, reducing risks at a pivotal time in your life.

Want To Invest Inheritance

If you’ve received an inheritance or cash windfall of some kind and you’d like to invest it wisely, then taking advantage of the services a financial advisor can provide is wise. We can help you to choose the right investment opportunities to give you a greater chance of a higher return for your investment.

Want To Invest Surplus Business Funds

If you’re a business owner that wants to invest the surplus funds from your business efficiently, we can help. Rather than keeping the cash sitting in your bank, we can help you put it to good use. Taking advantage of corporate investments could be a savvy way to diversify revenue streams, create income to further invest in your business and it could even help reduce your tax obligations too.

Looking To Reduce Tax Liabilities

There’s a wide variety of investment opportunities that can help to reduce your tax liabilities, from various pension types and ISA’s to investing in Enterprise Investment or Venture Capital Schemes. We’re here to cut through the jargon and help you to understand the best and most efficient way to invest your money.

Unsure About Investment Options

If you’re unsure which investment option is right for your specific circumstance and goals, we can help you to understand the different investment options that are on the table. We’ll discuss your attitude to risk, what your aims are for the investment and look to understand your situation so we can propose the most suitable investment options to you.

Book a call

What To Expect

1

Get In Touch

Let us know your specific requirements either via our online form, email or a phone call. The more details we know, the sooner we can start to help.

2

We’ll Assess Your Needs

Our team of experts will review and assess your specific requirements, allowing us to understand your situation and how we can help.

3

Advice Tailored To You

One of our expert financial advisors will be in touch to discuss your specific investment advice query and will work with you to create a tailored strategy.

How We Can Help

We understand if you’re looking to invest a significant amount of your money, you want to be assured that it’s being invested in the right place. Our independent, expert advice is tailored to your unique situation and we aren’t tied to any specific provider, ensuring we provide you with a solution that’s unbiased, giving you confidence in the decision you take.

We’re here to stay up to date on the latest tax rules, legislation changes and market fluctuations so you don’t have to. Our ongoing investment advice service doesn’t stop once you’ve started investing either. We regularly review your portfolio against market changes and take your evolving needs into account. Ensuring your money continues to work for you.

We specialise in tax-efficient investing, ensuring you keep more of your hard earned money. So get in touch with us today to discuss your investment options and we’ll help you to understand the right choices to make for your circumstances.

FAQ’s

What Is Your Investment Advice Process?

When it comes to investment advice we’re on hand to analyse and understand your current situation, your attitude to risk and work with you to help you understand the best investment opportunities available to you based on everything we know about you and the options available.

Our investment advice process goes a little like this;

Initial Consultation: We have a detailed conversation with you to understand your current situation, your existing assets, financial goals, risk appetite and any future plans in your pipeline.
Analysis Of Investment Options: We’ll then research a wide range of investment vehicles (e.g, ISA’s, pensions, bonds, funds, ethical investments etc) and assess which options suit your goals the most.
Tailored Recommendations: We’ll present you with clear, evidence based options, including expected returns,the risks involved and any tax implications.
Implementation: Once you’ve chosen one or more investment vehicles, we’ll get to work setting up your investments and ensure everything is structured correctly.
Ongoing Monitoring: Once everything’s set up we’ll regularly review your investment portfolio against any market changes and your evolving needs.
Adjustments & Future Planning: No matter what life throws at you, we’re here to adjust your investment plan to keep everything on track no matter if circumstances or legislation changes.

What Are My Investment Options?

When it comes to investing your money, there’s a wide range of options you can explore. But which option (or options) are the right one for you depends on your current circumstances.

Let’s break down some of the investment options potentially available to you.

ISA’s
ISA’s (Individual Savings Accounts) are tax efficient savings accounts that enable you to earn interest or grow your investment without paying tax on it. They shield your returns from both income tax and capital gains tax. It’s important to note they have a set annual limit for how much money you can put into them (for example, it will be £20,000 during the 2025/26 tax year).

Pensions
Personal pensions are one of the most tax-efficient ways to save money for your future. Like all investments, the longer you have your funds in the ‘pot’ so to speak, the more chance it has to grow. But it’s also possible you may get less back than you put in due to the way investments can rise and fall. There are a variety of pensions to choose from and we’ll help you to select the right one for your needs.

Bonds
When Governments or corporations want to borrow money, they issue ‘bonds’ that investors can purchase. As a fixed income security, bonds pay the investor a regular interest payment until they reach their maturity date. At this point the borrower pays the investor their initial payment back and the interest payments cease.

Stocks
Stocks are a way to invest in a company and actually gain a ‘share’ of the business itself. Investors often use both bonds and stocks to balance the risk and reward nature of their investment portfolio. Bonds tend to be a safer, more predictable option, but stocks can potentially have a higher return. So if you have a higher risk tolerance, stocks may be the better option.

Investment Trusts
These are actually publicly limited companies that combine and pool together various investors’ funds that are then used to invest in a diverse portfolio of assets or other businesses themselves. Shares are then offered that can be traded on the stock exchange, just like regular stocks. It’s managed by a team of professionals and features an independent board that ensures managers always act in the interest of the investors.

Ethical Investments
If you have any ongoing interests that you’ve always wanted to invest money into to help the cause, an ethical investment may be a great choice. An investment can technically be classed as an ethical investment when you choose to invest in it due to their moral behaviour and not just for financial gain. However, you’ll have to prove your ethical investment is ethical to any regulatory bodies.

How Do You Decide Which Investment Option Is Right For Me?

We’re all about offering sound, tailored, trustworthy financial advice here at Oakworth. The last thing we want to do is suggest to you a ‘poor’ investment. That’s why we take the time to sit down and understand your specific situation and requirements.

We’ll get to know you as a person, understand your financial goals, your attitude to ‘risk’ when it comes to investments and the return timescale you’re looking for. With all that considered, we’ll suggest investment opportunities that align with what you’re looking for.

For example, if you prefer ethical investments, we’ll focus on Investment Funds aligned with ESG principles. However, if your priority is retirement income to fund your desired lifestyle, we’ll build a plan around stability and tax efficiency.

Is My Money Guaranteed If I Invest?

Unfortunately, we can never make any guarantees regarding your money as returns are never really guaranteed. However, we conduct extensive research and fully understand your circumstances and goals before creating an investment plan for you.

We’d never recommend an investment option that’s too risky or the odds are stacked against you. Of course we’ll take into account your risk tolerance and ensure you fully understand any investment options that lean towards the risky side before recommending them to you.

How To Calculate Return On Investment?

Calculating your Return on Investment (ROI) is important to understand whether the investment you’re potentially planning to make is a sound one or not.

To work out your potential ROI you’ll want to compare the gain or loss to the cost. There’s two ways you can do this.

For the first method you’ll want to divide the Net Return on Investment by the Cost of The Investment and then times it by 100. That will give you your ROI.

Alternatively, you could subtract the Initial Value of Investment from the Final Value of Investment, then divide that by the Cost of Investment before multiplying that by 100 to discover your Return on Investment.

We’ll help you to understand your potential and actual ROI during your investment journey and we’ll constantly monitor your investment portfolio to ensure it’s on track and you’re kept in the loop.