The base rate has been at 0.5% since March 2009 and we think it is unlikely that there will be any improvement for some time. Income tax rates eat into already meagre returns especially if you are a higher rate taxpayer. The effect of inflation means that in real terms, many savers are losing money on their cash deposit.

If your cash deposit is not required in the short term, then taking some risk can increase the potential return. We have provided income seeking clients with tax efficient portfolios that produce higher levels of income than cash deposit for a chosen level of risk.
The base rate has been pegged at 0.5% by the Bank of England since March 2009 and we think it is unlikely that there will be any improvement for some time. Income tax rates are another problem as they eat into already meagre returns especially if you are a higher rate taxpayer. The effect of inflation also means that in real terms, many savers are losing money on their cash deposit.

If your cash deposit is not required in the short term, then taking some risk can increase the potential return. We have provided income seeking clients with tax efficient portfolios that produce higher levels of income than cash deposit for a chosen level of risk.
2008 was a difficult year for everybody when almost all asset classes experienced significant falls in value and very high levels of volatility. In response to these difficult times, we communicated regularly with our clients informing them of our views. Each client's situation and investment objectives are different so we worked closely with them to advise them on the best course of action for their circumstances.

Our corporate view was to "hold firm" and not be panicked into selling at those then low 2008 values. However, if clients were extremely unsettled by it (and some were) and wished to quit the markets, we arranged for them to sell.
Tracker funds can appear attractive due to the generally low cost. However, looking at costs is only part of the story. Tracker funds take their name from the fact that they follow certain indices up and down appropriately as shares move in and out of the indices. Some employ different methodologies but, basically, you are moving up and down the index.

We believe that we can deliver better returns for our clients by selecting and monitoring the best active fund managers.

We therefore spend a lot of research on institutional investment research and analysis of funds on clients' behalf to identify the funds that we believe will outperform the index. We have face to face meetings with fund managers before we are prepared to recommend them to clients. We monitor the funds closely and will actively recommend fund switches to a client's portfolio if we feel this would be beneficial. We do not charge for such switches so you can be assured that our recommendation to switch funds are made for the right reasons.
We are different by design. We are one of the largest independently owned IFA firms in Scotland. We have a high ratio of support staff to advisery staff. This means we can deliver an exceptional service to you. We have been recognised numerous times in industry awards including "Best UK Investment IFA" in 2005, 2007 and 2012. We have consistently been placed in the top 3 since 2004 each time we entered*. However we are not complacent. We continue to invest in the best people, research and systems so that we can remain at the top of our game and deliver the highest quality of advice.



(*No entry 2009.)
We manage in the region of £800 million from one office with 40 staff. We spend large sums annually on investment research and we tailor the client portfolio to the individual client. We believe that you cannot generalise on investment advice.
We already work in tandem with many other professionals such as stockbrokers, accountants and solicitors where we see our skills as complementary to theirs. We also offer additional pension and tax services which stockbrokers do not usually offer. So the answer is yes there can still be a benefit from using our services.

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