Wealth Management.
Advise. Adapt. Invest.
We deliver bespoke wealth management, tailored to your needs and objectives. The first step is to explore your situation and your goals. From there, we formulate a plan to manage your portfolio in the best way to achieve your long-term aims. Based near Winchester in Hampshire, we are independent, with no ties. That means the interests of our clients always come first.
Financial Planning.
Professional financial planning forms a bedrock for wealth management. We start by getting to know each client as an individual, and we use this information to build a bespoke financial strategy.
This will involve a detailed analysis of your existing circumstances and objectives, and a review of your existing investments’ efficiency and appropriateness, incorporating tax and legal planning, where required. We will then work with you to develop and agree a unique strategy, which can be reviewed regularly, in order to ensure that it remains suitable for your changing circumstances and requirements.
As each client is unique, so then, are our strategies, which are developed using our sophisticated cashflow tools. Our fee-based proposition frees us from the necessity to push particular products. This isn’t how we work. We only ever work in your best interests.
Investment Management.
Once your strategy is in place, investment management is likely to be the main solution to achieving your agreed goals.
At AJB Wealth, we offer both advisory and discretionary services. If you opt for the advisory model, we’ll provide investment recommendations for your approval and agree a basis of regular review. Discretionary management is a more proactive service. In this case, we agree your instructions and then manage the portfolio in accordance with them. For a more detailed explanation of how these services differ, read our article here.
Either way, we’ll start by exploring your personal circumstances, your goals, your attitude to risk, and your capacity to accept capital loss. This allows us to form a detailed investment strategy. In both cases, you’ll benefit from professional advice in the construction of your portfolio. Whether you opt for advisory or discretionary management, we are able to invest across all asset classes to ensure that your investments are diversified. In addition, as an ‘independent’ firm, we are not limited in where we can invest and have access to the whole market.
In addition to investing in traditional investments, we specialise in the use of Exchange-Traded Funds (ETFs), which provide a highly accurate means of tracking indices and different sectors at a very low cost. In addition, as Wealth Managers, we will give regard to your personal tax position and tax planning options, in order to ensure that your portfolio’s potential for growth is optimised. Where appropriate, we will also combine your investment and estate planning, in order to look after both you and your family.
Risk Management.
Risk is an important part of investment, after all without risk there is no return. It’s our job to be acutely aware of risk.
We take protecting your principal very seriously, and mitigate risk while providing returns. To do so we must first examine your financial situation and offer an impartial assessment. That way, we have a much better understanding of your capacity for capital loss and your expectations for capital gain.
Your investment strategy will have been carefully created through our initial discussions to establish your objectives. If your expectations are unrealistic we will be honest with you. We will help you understand what is achievable and generate a plan to get you there. A measured and appropriate approach to risk is required, tailored to your goals.