WHAT SERVICES DO WE PROVIDE?
Here at Winchester Investment Solutions, we take a pragmatic approach to investment management. We actively monitor market trends and make proactive strategic adjustments to your portfolio to maximise returns and minimise risks. Our goal is to provide you with the best possible outcomes by staying ahead of market movements and making informed decisions.
We’re a privately owned boutique adviser offering independent proactive advice on investments, pensions, ISAs and tax planning. If you are looking for an adviser whose goal is attempting to optimise your returns, while minimising risks and fees, then you will find our services of interest. We are directly regulated by the FCA and uphold the highest regulatory standards.
INVESTMENT MANAGEMENT ADVICE
We have been managing investments for three decades, so you are in safe hands when it comes to us managing your wealth.
We manage General Portfolios. ISAs, Personal pensions, Self-Invested Personal Pensions, trusts and provide a holistic approach to clients’ circumstances.
RISK CONTROLS
Every client of ours is independently assessed to identify the degree of risk that you comfortable with. We then undertake tight investment risk controls when managing your money. This increases the opportunity of a stable path to investment returns, a journey that ensures you remain very happy with the ongoing management process. The risk associated with Portfolios can change over time, as volatility increases, so maintaining tight reins in place to monitor this, adds to potential performance.
We operate differently to many local independent financial advisers, by providing a proactive advisory service. This means we could undertake small changes to your portfolio at any time, to accommodate what’s happening in the world. We will initially have adopted a number of specific strategies at outset, reflecting our overall asset allocation, those that we feel offer excellent opportunities for capital growth.
These are then monitored daily to analyse if they are impacted by any Global Macro conditions. If we feel they are, then we will communicate any changes to the funds you are invested in immediately, capturing potential upside growth, but more importantly attempting to protect clients from downside risks.
This approach is time consuming, which is one of the reasons why many advisers choose not to adopt it, but it’s very rewarding for investors.
We can illustrate how beneficial this has been over any period since 2011, just ask to see our Model Portfolio performance. You can see some of our insights on performance here.
HOLISTIC FINANCIAL PLANNING
When meeting a client for the first time, we collate information from you to assess the various ways in which we can help you. Identifying the areas where you can reduce the amount of tax you pay, while providing independent whole of market unbiased advice. We’ll listen to you outline your plans, your priorities, what’s important and when you need to turn to your investments to implement your various spending strategies.
A comprehensive recommendation can then be made to accommodate the best possible investment structure to minimise tax and maximise achieving your goals. his can then be implemented in conjunction with our unique proactive investment strategies. We leave no stone unturned when addressing your planning needs.
INHERITANCE TAX PLANNING
If passing on your wealth to your children and grandchildren free from Inheritance tax is important to you, then we have a solution that will accommodate this.
There is a wide selection of investments and trusts that we can consider as well as their suitability, for your specific requirements. One of the key advantages of talking to an Independent financial adviser, is that we are looking at the whole marketplace when contemplating what’s best for you.
It’s important your Wills are valid and also you have the appropriate Lasting Powers of Attorney in place, more information can be found here. We will also ensure you are utilising the available annual allowances to reduce your Estates value efficiently.
Not every adviser considers the valuable benefits Business Property Relief (BPR) offers as a solution to Inheritance Tax.
For example, business owners can invest into BPR qualifying investments up to 3 years after selling Company shares, and still receive 100% immediate IHT savings. Individuals can also take advantage of this route, without any health underwriting or 7-year rules restrictions, often associated with trusts and life assurance.
This can maintain 100% access to your capital, while achieving 100% IHT savings after only 24 months. As are result your Attorneys can undertake these investments on your behalf, making them particularly tax efficient for older or health impaired clients. A detailed assessment is critical to address one’s suitability for any IHT planning investments.
Everyone’s circumstances are unique, so it can be helpful to have a brief chat to quickly identify the service we provide, our charges and the value we can offer you.
WHY NOT SCHEDULE A CONVERSATION WITH CHRIS DOWNING NOW?
Appointment scheduling through Calendy scheduling
Free initial Zoom meeting: 30 minutes
Free initial Phone call: 30 minutes