INVESTMENT SERVICES

Investing for your future and that of your dependants is not something to take lightly and we consider it a particular expertise of ours. We are not tied to any one investment provider and seek to align your investments with your own goals. We consider what your investment goals are, when you need to achieve them and plan accordingly.

In managing your investments we are able to make use of the full range of investment tools and tax vehicles available to maximise your returns and minimise your tax liability.

Investment

PROCESS

We believe in the value of a sound strategy and a disciplined approach to investing. That’s why we use a rigorous investment process to create tailored solutions that help grow, manage and preserve your wealth. We have an open architecture policy so that the tools and systems we use to deliver services to you are best of breed.

First, we employ a thorough discovery process to fully understand your objectives, wealth, experience and attitude to risk. Your adviser will then analyse your financial situation, design and recommend an investment strategy to help you achieve those goals in the appropriate time frames.

The understanding we gain in the first stage drives the asset allocation of your investments – that is, choosing the sort of assets and how they are spread geographically across the world. This diversification is the key step in reducing and aligning investment risk with your own risk profile.

Next, we select individual assets based on comprehensive research of the market and the different investments available. We may choose active, passive or a combination of both types of investment depending on your needs.

Once your investments are up and running we provide regular reviews. As part of the reviews we will consider risk, asset allocation, individual asset selection, performance, and other aspects of your finances that might have an impact or cause us to recommend changes.

Your adviser is always available to answer any questions you may have between reviews.

Investment

PROCESS

We believe in the value of a sound strategy and a disciplined approach to investing. That’s why we use a rigorous investment process to create tailored solutions that help grow, manage and preserve your wealth. We have an open architecture policy so that the tools and systems we use to deliver services to you are best of breed.

First, we employ a thorough discovery process to fully understand your objectives, wealth, experience and attitude to risk. Your adviser will then analyse your financial situation, design and recommend an investment strategy to help you achieve those goals in the appropriate time frames.

The understanding we gain in the first stage drives the asset allocation of your investments – that is, choosing the sort of assets and how they are spread geographically across the world. This diversification is the key step in reducing and aligning investment risk with your own risk profile.

Next, we select individual assets based on comprehensive research of the market and the different investment available. We may choose active, passive or a combination of both types of investment depending on your needs.

Once your investments are up and running we provide regular reviews. As part of the reviews we will consider risk, asset allocation, individual asset selection, performance, and other aspects of your finances that might have an impact or cause us to recommend changes.

Your adviser is always available to answer any questions you may have between reviews.

Wealth

MANAGEMENT

As wealth grows, so does complexity. Our complete range of wealth management services brings cohesion and simplicity back to your financial affairs. You will have your own expert adviser who oversees your finances and calls upon additional specialists from our team whenever required.

Whenever you have a lump sum, whether it be a bonus payment, inheritance, the proceeds from the sale of a business, or a severance payment, it could make sense to invest some of it. Some lump sums could be a once in a lifetime event and you might want to make it last long into your retirement.

Even if you have not previously used a financial adviser, given the size and importance of the investment, it is worthwhile seeking professional advice.

Some clients come to us just for the investment advice while others begin that way and migrate towards the broader advice available through our wealth management and financial planning services.

ISAs form a valuable part of investment plans for most people. Your ISA allowance is annual but if you do not use it before the deadline then it is gone forever.

If you have large sums of money on deposit you may want to spread that across many different institutions to ensure protection is in place but you also want to achieve the best rates available. We can help you with cash management services that meet your liquidity, return and protection needs.

The Junior ISA (JISA) is the tax efficient savings account for adults to save annually on behalf of a child. They replaced Child Trust Funds in November 2011.

We can help with offshore investments, useful in many situations including but not restricted to: individuals who expect their marginal rate of tax to fall due to impending retirement or becoming non-resident in the UK; investors entitled to an age related allowance; expats investing to avoid UK tax while non-resident; Trustees.

We have expertise in Venture Capital Trusts (VCTs) and the Enterprise Investment Scheme (EIS). These schemes provide considerable tax reliefs suitable for some investors.

The value of investments and income from them may go down. You may not get back the original amount invested.

Tax and Trust planning are not regulated by the Financial Conduct Authority.

Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change. 

Tax treatment is based on individual circumstances and may be subject to change in the future.

Free investment

CONSULTATION

Speak to an adviser who will assess your objectives, current position, and help you plan a course of action. It’s also an opportunity for you to get to know us before deciding to engage our services. You can ask as many questions as you need. Your first meeting with us where we will discuss the ways in which we might help you is free of charge. Contact us today to book an appointment.

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with TenetConnect Ltd. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy.

NEWSLETTER

Radcliffe & Newlands Ltd is an appointed representative of TenetConnect Ltd which is authorised and regulated by the Financial Conduct Authority. TenetConnect Ltd is entered on the FCA register (www.fca.org.uk/register) under reference 149826. Radcliffe and Newlands Ltd Registered Address: 1st Floor, 50 Featherstone Street, London, EC1Y 8RT. Registered in England and Wales, No. 5681687

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Please read our Privacy Policy before completing any enquiry form or before sending an email to us. 

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