• Wealth Management

    Investment strategies tailored to you

How we Manage Money

Any financial adviser worth his or her salt will tell you that investing is a long-term game. Once we know what your money needs to achieve, and how much risk you can tolerate, we will select the asset and fund mix that gives you the best possible chance of realising your long-term vision for the future.

However, getting the asset allocation and fund selection right is an essential starting point, but it’s not the whole story – just as there’s much more to the art of gardening than planting seeds.

Monitoring investment performance, maxing out your tax allowances, rebalancing your portfolio, keeping an eye on any CGT liabilities, and making appropriate tweaks and upgrades where the circumstances call for it – this process of nurturing and pruning your investment portfolio as we move through successive economic cycles forms the lion’s share of our advisory wealth management service.

Please be aware that with any form of investing, your capital is at risk. The value of your investments can fall as well as rise, and you may not get back the amount originally invested. For more information about investment risk, click here.

Our Service Levels

Different levels of ongoing service depending on your needs

Sterling Service

The Sterling Service provides you with a comprehensive advisory investment management solution, which may include bespoke portfolio management. The Sterling Service will also offer you the option of cash flow modelling and a fully integrated holistic approach to ensure you have a comprehensive understanding of your financial position, with frequent meetings throughout the year.

Sovereign Service

The Sovereign Service provides you with an inclusive annual review meeting and reporting service with your adviser, and is structured around our Central Investment Proposition. This service level incorporates both portfolio re-balancing and utilisation of your NISA allowance, and if required takes into account changes to your own requirements and circumstances.

Core Service

The Core Service will provide you with an annual telephone or computer-based update and valuation of your portfolio. However, this service does not take any changes to your personal circumstances into account, and does not provide an inclusive face to face financial review with your adviser.

Always there to reassure

Another invaluable aspect of what we do is simply providing a listening ear and expert guidance in times of economic turbulence.

Recent studies in behavioural finance show us that irrational emotional responses to short-lived events are often the biggest cause of financial loss amongst investors. We provide a voice of reason to counteract the sensationalist media that is part and parcel of the 21st century lifestyle.

We work hard to keep you as informed as possible – be it through regular blog and social media updates, our quarterly wealth management magazine or our in-depth digital guides, which summarise and unearth the key information you need to understand the implications of major political or economic developments.

When the markets move, we explain and provide context for the headlines, so that you can make informed decisions about the best course of action to take, rather than rash ones driven by anxiety or over-confidence.

All in, we’ll make sure that, whatever happens, you’ll have the knowledge and understanding to make intelligent choices with a cool head – even when those about you are losing theirs.

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© 2017 Thomas Heald Limited. All rights reserved. Thomas Heald Limited (FCA No. 492792) and Thomas Heald Solutions Limited (FCA No. 528610) are entered on the FCA Register at https://register.fca.org.uk/. Registered in England No: 06622318. Registered Address: 6 Feast Field, Horsforth, Leeds, West Yorkshire, LS18 4TJ. Chesterfield Branch Address: 11 Napier Court, Gander Lane, Barlborough Links, Chesterfield, Derbyshire, S43 4PZ.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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