The value of your investments can go down as well as up and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances also have an impact on tax treatment.
We believe that using a carefully selected range of quality providers is a key ingredient regarding positive outcomes for our clients. These providers have been identified to ensure we have a comprehensive range of solutions to meet the various needs of our clients.
We can choose investment solutions and funds from across the market, which are aligned to the amount of risk you are prepared to take.
This creates a financial plan which aims to help you reach your needs, goals and objectives.
If you're new to 1825, we'll also fully consider any existing products or investments you hold when constructing your financial plan.
For certain products, suitability is highly variable based on a number of factors and can regularly change, including the price of the solution, so we’ll research the entire market to identify the best one at that time.
There are a number of core products, or tax wrappers, within the market where there are limited differences between the products available from different providers (such as Individual Savings Accounts (ISAs) or SIPP tax wrappers).
When it comes to these types of product we believe the best value for clients is in creating a panel of quality suppliers and then negotiating the best prices with them. We would then compare those solutions to what our clients currently hold, and either retain current solutions or deploy new ones from our panel as appropriate.
We have strong relationships and advise on solutions from many industry providers including Aegon, Novia, James Hay, Raymond James, Alliance Trust, Old Mutual and Fidelity. Where appropriate, we’ll select the best option for you from this list. Our panel is kept under regular review. This is defined as ‘restricted advice’ by the Financial Conduct Authority.
We believe that this approach allows us to focus more of our time with you meaning we can offer better value for money.
Get in touch today to find out how our experts can help you.
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