The security of a global financial services firm, delivered locally across North Yorkshire
We are authorised and regulated by the Financial Conduct Authority (FCA) through Raymond James Investment Services. The advice we offer is independent in that we specialise in financial planning and investment management services across the whole of the market.
We are not bound by any providers so we can consider every provider in the market both from an investment and financial planning perspective.
Our services include:
Financial Planning
Full financial planning reviews covering pensions, inheritance tax, tax efficient planning, Life Insurance and longer term care. We can carry out full family reviews across your wealth or deal with specific needs, such as pension transfer or draw-down.
Discretionary Portfolio Management
Day to day investment decisions are left to me, your dedicated portfolio manager at Raymond James, Harrogate to manage within agreed parameters and within the Raymond James agreed framework.
Execution Only services*
*Please note: Execution Only services are only available to clients who have portfolio management services.
Tax wrappers available
The types of tax wrappers we may consider are:
- General Investment Account
- Individual Savings Accounts (ISAs) with Raymond James as the ISA manager
- Junior ISAs
- Offshore Portfolio Bonds
- Self Invested Personal Pensions (SIPPs)
- Qualifying Recognised Overseas Pension Schemes (QROPS)
- Small Self Administered Schemes (SSAS accounts)
Other tax efficient areas that we can also look at:
- Enterprise Investment Schemes (EIS)
- Venture Capital trusts (VCTs)
- Business Property relief Schemes (BPRs)
- Life Insurance
- Longer Term Care
We also look across a range of investment vehicles, such as:
- Exchange Traded Funds
- Mutual Funds (OEICs/Unit Trusts)
- Government and corporate bonds
- Investment Trusts
- Higher Risk Investments – for example, Hedge Funds and Structured products
- Direct global equities
From an investment view point, we manage money on a discretionary basis in all of the tax wrappers (noted above) across the whole market. We are not bound by any providers so we can consider every provider in the market both from an investment and financial planning perspective. This means we can find the best solution to fit your situation.
