Savings & Investments Advice, Wealth Management & Portfolio Planning.
There’s a huge range of savings and investments options available. But building an effective investment portfolio is about much more than simply finding the right financial products.
It’s about offering investment advice and portfolio planning. To do this, it’s important that we understand your personal attitude to risk and reward, and your need for income, growth – or both. These are key factors in finding the right balance of investments.
That’s where our experience can help. We always keep in touch with our clients. That way we can understand your needs, and help you achieve your investment and savings targets.
For fast-acting relief, try slowing down.
– Lily Tomlin
October: This is one of the particularly dangerous months to invest in stocks. Other dangerous months are July, January, September, April, November, May, March, June, December, August and February.
– Mark Twain
What you risk reveals what you value.
– Jeanette Winterson
Money is the opposite of the weather. nobody talks about it but everybody does something about it.
– Rebecca Johnson
Money is better than poverty, if only for financial reasons.
– Woody Allen
Try not to become a man of success but rather to become a man of value.
– Albert Einstein
Meet our Investment Committee
There is absolutely no point in having the best tax saving advice in the world if the underlying investment product which is recommended for you – be that ISA, Pension, Unit Trust or Bond – doesn’t bring you the returns you would come to expect taking into account your personal attitudes to investment risk and capacity for capital loss.
Equally, there is absolutely no point in your IFA setting up an investment portfolio which they do not review and rebalance regularly.
What we, working as your IFA, will give you is a proposition which sees your investment managed actively and regularly offering a consistent approach and process across all investment risk profiles, irrespective of whether you have £1,000 or £1,000,000 to invest.
We have committed to review and monitor your investment portfolio on a regular and ongoing basis to ensure diversity, to reduce investment risks and to seek to improve returns on your investment over the longer term.
Our aim is to add real value to your investment experience backed by ‘real time’ monitoring of your investments.
Our Partners: To achieve these aims, we work in partnership with our preferred investment partner, LGT Vestra LLP, an award-winning Discretionary Fund Manager (DFM), in the creation and ongoing management of a collection of model portfolios which we call the Prestige range.
The partnership will work to common governance and investment philosophies and you can be assured that the Prestige portfolios – and their component parts – remain aligned to your attitude to investment risk.
Your Investment Committee: The Prestige portfolios have been created to power our Active Money Management investment proposition, with the portfolios monitored and managed by a joint Investment Committee composed of LGT Vestra’s Investment Managers and Pembroke’s Independent Financial Advisers.
The Investment Committee meets every quarter to analyse the Prestige portfolios’ asset allocation strategy and recommended fund choices.
The joint committee will continue to communicate with you every quarter, providing you with our investment ‘outlook’, informing you of any changes made to your investment portfolio and explaining the thinking behind those changes.
Prestige: The 5-risk graded and 4 specialist Prestige model portfolios are unique to Pembroke and reflect our combined views on economic and investment markets.
The portfolios benefit from the most current investment thinking and the best ideas through dynamic portfolio construction, combining Pembroke’s expertise and in-depth knowledge of your personal financial requirements and LGT Vestra’s investment process, research capabilities and understanding of markets.
A discretionary mandate: Central to the new partnership proposition are LGT Vestra’s discretionary investment powers and we firmly believe that one of the critical advantages of the improved Committee’s discretionary powers is the ability to react quickly to economic, market and fund management changes.
You no longer have to give your consent every time portfolio changes are made. Instead the partnership Investment Committee will make changes and rebalance all of the portfolios every quarter and then tell you what changes, if any, have been made.
In Committee, if the analysis of the portfolios and their constituent parts lead to a recommendation for change then we are able to act on that proposal immediately and then communicate those changes to you.
We believe that we have found the perfect blend to improve further on the services which we can provide for the ongoing management of your portfolio.
In our previous ‘advisory’ ongoing investment management service which ran from 2009 to 2019, our Investment Committee comprised all of our regulated advisers and Keith Relf. Each individual had their own specialist area to research, review and report on each quarter.
Please click on the Advisers photograph on this page you will be able to read what their area of expertise was within the Committee – these will continue to be area of specific individual interest in the new discretionary joint Investment Committee.
Asset allocation is the major determinant of risk and return for any investment portfolio and we believe that it is always sensible to rebalance a whole model portfolio rather than to conduct a series of fund switches.
Please call 01273 774855 or write to us by clicking here if you would like to know more about our unique ongoing investment proposition works and to discover the performance of the 9 model portfolios which ‘drive’ our Active Money Management service.
Savings & Investments: Get In Touch For Our Specialist Advice
What Our Clients Say
I have never received such splendid advice and attention
I very much appreciate the time and consideration you have taken on my behalf. I have never received such splendid advice and attention and I look forward to a long and happy Investment career with Pembroke Financial Services.
Appreciate the work done this year in growing my investment
Just wanted to drop you a line to thank you for coming around earlier this week. Appreciate the work you have done this year in growing my investment and it was a helpful conversation in every way!
Thank you for your prompt attention, and excellent service
Thanks for the update on our investments. We are very pleased as usual, please pass our thanks to the other Keith too. Given the current climate, we feel very lucky! Many thanks for your prompt attention, and excellent service!
Thank you and the team for all of your efforts and good advice
I just wanted to let you know it was a good to meet you last week, and to thank you and the team for all of your efforts and good advice in looking after our savings. We have great confidence in you and Pembroke.
Thanks again for your time and patience
Thank you very much, Keith, and thanks again for your time and patience today. Jack and I thoroughly enjoyed our visit – and that’s not something that is said when visiting most financial institutions!