The value of pensions and investments can fall as well as rise, you may get back less than you invested. Tax treatment varies according to individual circumstance and is subject to change. Trusts are not regulated by the Financial Conduct Authority.

Making The Most Of Your Money

HMC Holistic adviser will provide investment advice to the very highest standards of compliance to our processes and procedures. We look to give market leading standards of advice to ensure you are getting the very best tax efficient investment advice. We tailor any investment to you our client to ensure you are getting an investment that is right for you.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

How do we approach your investment advice.

Investment advice has two distinctive elements;

• The products these are commonly referred to as wrappers they hold the investment and designate the tax treatment an; ISA, Pension, Investment Bond are just a few examples of wrappers, each of these is treated differently from a tax perspective we are experts in advising in tailoring a solution for you.

• The assets themselves these are what your monies are invested in and whatever the wrapper we will ensure your monies are invested in an appropriate asset that reflects your attitude to risk and preferences this will form your tailored solution and will reflect these preferences some examples of the underlying investments we can use are; Unit trusts; Open ended investment companies, Investment trusts and Exchange traded funds are some examples of the options but there are many more.

The quality is in the details.

We take pride in putting you the client at the heart of everything we do and we will ensure you understand all the options open to you and how the investment is going to work with your circumstances in a holistic way to ensure we look at your objectives and needs as a whole not in isolation to ensure you get the very best advice.

To find out more about your investment options and to arrange a free initial consultation to establish what we can do to help you make the most of your money please contact us on.