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Investments. |
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Our clients
tend to fall into two categories – those who have already
accumulated capital and those who haven’t and would like
to do so! |
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There is no
doubt that levels of personal wealth are increasing.
Retirement lump sums and inheritance can often put many
thousands of pounds at your disposal. In constructing an
investment portfolio for you, we will take a number of
factors into account |
How cautious or adventurous are you as an investor? |
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Are you likely to need income - now or in the future? |
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Are you likely to need immediate access to some or all
of your capital? |
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What is your tax situation now and what is it likely
to be in the future? |
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Consequently,
each investment portfolio is likely to be unique. With our
strong belief in client service we can regularly update
you on the value of your investments. |
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Many of our clients acquire capital for the first time
when they retire. We take great pride in helping them to
arrange investments, which are suitable for them – such
clients are often risk averse and want tax-free monthly
income. We can help! |
CASE STUDY (i).Mr & Mrs J. were cautious investors
and struggling to identify financial products which
suited their fairly cautious investment attitude. They
had lost money in 1987 and most of their cash was in
the Building Society. They wanted low-risk investments
which could provide tax-free income and the prospects
for capital growth. We have constructed a Portfolio
which is now made up largely of With Profit Bonds and
Cash Mini ISAs. We have now been advising them for
more than ten years – they have ample income and their
wealth has grown steadily. We have liaised with their
Accountant in making provisions for the avoidance of
Inheritance Tax. |
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Testimonial No: i
We have developed complete confidence in Cambrian. We have
known them for over ten years. We have a formal annual
review each November but we normally see them two or three
times a year. As a result of their advice, we have ample
income for our needs and the value of our capital has
grown steadily over the years. They now advise both of our
sons and we have introduced them to other friends.
Mr & Mrs J from Wrexham. |
CASE
STUDY (ii). Glyn and Sue both earn
good salaries but they have a large mortgage and two
children, one at fee-paying school. Originally, they
operated an Endowment Mortgage but we advised them to
switch to the repayment basis and they are now using the
Endowment for the accumulation of capital. We have just
advised them to change their Lender, yet again, in order
to take advantage of lower interest rates. This is
probably the fifth time that they have done this and it
has enabled them to reduce their mortgage by a further two
years. They are accumulating capital via their Endowment
and monthly savings – previously into a PEP and now into
an Investment Mini ISA. Their mortgage will be repaid in
2010 when it is probable that their children will be at
University. The cash from their PEP/ISA will be available
to them and the Endowment (which was previously linked to
their mortgage) will mature two years later. As a result,
they will be debt-free and their available capital should
be approaching £150,000. |
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Testimonial No: ii
We can’t remember when we first met Cambrian but we have
come to value their advice. Our annual review normally
takes place early in the year. As a result of their
advice, our financial prospects have been transformed and
we are accumulating a worthwhile amount of capital. We
have introduced them to family, friends and colleagues.
Mr & Mrs L from Runcorn. |
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