Investment Planning We have a long and enviable record for providing investment advisory services which emphasise the necessity to tailor a strategy to meet individual needs. We will advise on the structure of a portfolio and the amount of capital which should be exposed to the various investment sectors including Unit and Investment Trusts, OEICs, UCITS, Stocks and Shares, Insurance Company Products, Bank and Building Society deposits and National Savings Related funds. Where our advice involves the purchase or sale of any such investment we are able to conduct these transactions on your behalf. Investment advice is influenced by a number of factors which are taken into account at the time the advice is given. Thus our recommendations are made in good faith at the time but factors considered can and will change. It therefore does not follow that the initial advice will hold good indefinitely. That is why we offer a continuing advice service. Claire Markham who holds the Investment Management Certificate from the Institute of Investment Management and Research is responsible for monitoring the influences which effect investments and all the funds which we have recommended to clients who choose to receive ongoing advice. Where it is felt the asset allocation should be changed or a particular fund should be sold and another purchased she will write making the appropriate recommendation and giving her reasons for doing so. This is not a discretionary management service but an ongoing advisory service. You will always have to accept and indicate your agreement to our proceeding. This service incorporates an automatic six monthly valuation of your investments, a written commentary on their suitability and a report on investment markets generally. As an alternative we offer a simpler six monthly or annual review which also includes a valuation of your investments. This may be more appropriate for smaller portfolios but it is by no means as comprehensive as the continuing advice service as it only takes account of what has happened in the previous six or twelve months on an historic basis rather than addressing issues as they evolve. All forms of ongoing investment advice are dealt with on a fee basis. This ensures that our advice to amend or change investments is not influenced by the possible receipt of commissions but it is solely to advance the value of our client's investments. Any commission which we would normally be paid are used in the first instance to mitigate the charges incurred on the new investment. Having paid the charges on the existing investment the additional charges likely to be incurred on a new investment are a factor we have to take into account when making our recommendations. This ability to mitigate charges certainly makes it easier for us to recommend changes and more economical for the client to accept the recommendations.

This Company is Authorised & Regulated by the Financial Services Authority