Achieving the optimum return from your investment.

Investments & Savings

For you

Whether you are a veteran investor or simply wondering if an investment is right for you, we can help. Pareto will assess your needs and put together an attractive investment portfolio that offers returns in line with your long-term financial objectives and appetite for risk. We are happy to consult on a single issue, or take the big picture view of your financial profile, and put together a comprehensive plan to help make the most of your wealth.

Your adviser will support you throughout your investment journey from setting long-term financial goals and working towards targeted growth, right through to retirement and taking income.

Regular reviews ensure accountability and give you the peace of mind that your investments remain on track and continue to be aligned with your financial objectives.

Outsourcing all of our investments to investment managers and knowing where our specialisms lie ensures we remain fully focussed on our clients’ financial objectives, playing a crucial role in sitting in between you as the client and our chosen discretionary fund manager.

Our advice areas include:

  • ISAs
  • Unit Trusts
  • Open Ended Investment Companies
  • Investment Bonds
  • Corporate Investments
  • Structured Products
  • Exchange Traded Funds
  • Offshore Investment
  • Access to Discretionary Fund Management
  • Wrap Platforms
  • Asset Allocation
  • Cash Management

Our investment process

1. Understand

We will work closely with you to establish a comprehensive overview of your current financial position, gaining a full understanding of your short, medium and long-term goals, as well as your attitude to risk. As a priority, we always look to put immediate insurances in place to protect your assets, and your family’s long-term financial needs.

2. Research

Your dedicated adviser and team of support staff will carry out detailed research, including cash flow modelling, to allow us to reflect on your current financial position relative to your preferred position and financial goals. This will give you a detailed picture of your assets, investments, debts, income and expenditure projected forward year-by-year, using assumed rates of growth and inflation rates. This enables us to provide you with a comprehensive overview of your finances, both currently and in the future.

3. Determine

At this stage we will determine the best type of product and spread of asset classes matched with your attitude to risk. As an independent firm, we are able to scour the market to identify the most suitable product(s) to meet your needs. As outlined above, we take a holistic approach to your financial needs and will work diligently to ensure your personal allowances are fully-utilised, including but not limited to, income tax, capital gains tax and dividend tax. Likewise, we will use your tax allowances from your ISA(s), pension(s) and VCT. If appropriate, we will apply wrappers to mitigate growth and income on investments, depending on timescales and objectives.

4. Recommend

Once we know the amount allocated to the various tax wrappers, we will then utilise independent research to determine the most appropriate investment manager, suited to your exact requirements. During this stage, we will approach various investment managers on your behalf to better understand their investment approach, the strategies they apply during varying financial climates and how their solutions align to meet your needs and risk profile. Because every client’s needs and objectives will be different, no single product provider or investment manager will offer a universal solution, so we carefully carry out due diligence on all of our investment managers to broaden our options and ensure we get the right fit on a quarterly basis. Once identified, we will negotiate bespoke fees with investment managers on your behalf, to get the very best arrangement for you.

5. Implement

Once your monies are invested, we will actively monitor and manage your portfolio on an ongoing basis. Our team understands that life circumstances and objectives change and we will sit down with our clients at least once every six months. On review, we will revisit policies and underlying investments to see whether they still meet your objectives, and we will adapt the initial advice if necessary.


What does it mean?

Independence means freedom– the freedom to choose the financial solution that best suits YOU.

As an independent adviser, we have no affiliation to any provider, which means our solutions are researched and calculated to find the best deal for you. We do not directly manage any clients’ underlying investments, as we believe in being truly independent and transparent.

We have access to all providers and investment solutions from across the market, without conflict or bias. Furthermore, as one of the UK’s leading IFAs, we enjoy beneficial terms with product suppliers, ensuring our competitiveness within the market.

Our team of administrators and researchers are up-to-date with all product and industry changes. This, together with our ongoing training programmes for all staff, enables us to truly deliver an exceptional independent service.

Please note: The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

Get in touch to find out how we can help you

    Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such information may be used to provide you with the details of services and products in writing, by email or by telephone.