Independent financial advisers supporting individual and corporate clients across Bristol, the South West and further afield
Bristol Office: 0117 923 2320
Yate Office: 01454 314 970
For individuals and families
Financial planning does not begin and end with investments and savings, but they’re a good place to start. We need to incorporate any planned expenditure (such as school fees) and make contingency for the unforeseen.
Place your mouse over steps 1 - 4 opposite to find out more about our investment decision process
Our investment decision process
Set investment objectives
Develop an asset allocation plan
Evaluate and select investment opportunities
Ongoing portfolio review
Establishing the right investment vehicles to create a unique portfolio to achieve your objectives is a detailed process, with many factors to consider.
The stage you are at in your financial planning (your ‘timescale’) will have a significant bearing on your choices and how best to achieve your goals. The same is true of what income you require from your investments, and when, and other potential calls on your money. So, for example, you may need £X annual investment income but also need to liquidate £Y funds to finance something such as a loved-one’s education or a business expansion. Longer-term investments generally mean there is more time to ‘ride the storms’ of volatile markets.
Another important consideration is your attitude to risk: higher-risk investments have the potential for higher returns but also greater losses. We will also ask you about your capacity for loss and examine the tax liabilities of any investments: we like to keep as much money as possible in your pocket, not HMRC’s!
We need to understand the impacts and influences of all such factors before considering where best to invest your funds.
Once we understand your unique situation and aspirations we can develop an asset allocation plan.
Crystal Wealth advisers are unanimous in our belief that the best way to achieve your goals is to adopt a multi-asset approach, combining asset allocation, manager selection and ongoing portfolio management. Multi-asset funds are ‘one-stop’ investment vehicles which access a diverse portfolio and are aligned to risk/reward preferences. Highly experienced investment professionals decide where and when to invest depending on a myriad of prevailing forces.
We are proud to work with with Rayner Spencer Mills (RSM) specialists in fund research and analysis.
Ongoing review is highly recommended
It is vital to review your investments, on a regular basis in light of changes to your circumstances, objectives, economic conditions and fund performance. Properly managed, fund allocations can be adjusted quickly to adapt to changing economic conditions or to capitalise on opportunities. You may wish to manage your own funds or to take advantage of Crystal Wealth’s expertise and access to specialists.
1 Should you choose to have Crystal Wealth manage and regularly review your assets then we have a number of ongoing service propositions available for which we charge an additional ongoing fee.
Tax Planning advice is not regulated by the Financial Conduct Authority
Investments: The value of units can fall as well as rise, and you may not get back all your original investment
Crystal Wealth Management Ltd offers independent financial advice to individuals, families, business owners and directors
and is aimed at UK Residents only.
Crystal Wealth Management Limited trading as Crystal Wealth is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
© 2020 Crystal Wealth Management Limited | Registered Office: 19 Portland Square, Bristol, BS2 8SJ
FCA registration number: 717673 Registered in the UK Company number: 04931573