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Wealth Management Investment Process

Given the pace of change in today’s financial marketplace, there are more investment opportunities than ever before.

Innes Reid has established an inclusive six-stage wealth management investment process to deliver sound independent investment advice alongside an online wealth management system that allows us to manage your entire portfolio of investments, regardless of where these investments are held.

The Innes Reid Wealth Management Service delivers an innovative approach to financial planning and advice and is designed to make your money work harder, look after your needs better and make life easier for you.

At each stage of the wealth management process we ensure that you fully understand what investments we are recommending as part of an overall plan to attain your financial goals.

Our Six Stage Process:

Before making any investment recommendations, we need to spend time getting to know you and to understand your current financial situation, your financial objectives and any long term financial goals you would like to achieve.

Taking in to account your attitude and tolerance to investment risk is important to the success of any investment plan. Our financial risk assessment allows us to reliably determine your overall approach to investing your money, a process that we review many times throughout your investment journey.

We will create the most effective combination of investments from the various asset classes available to meet your investment objectives and achieve the best return within your acceptable level of risk. Our asset and fund recommendations are based on ongoing research and robust investment processes and methodology.

Getting your asset allocation right, and keeping it right is vitally important.

The impact of tax liabilities on investments is a very important part of our investment advice, and we are fully conversant with how different tax rules affect different types of investment. Our aim is to help you make the most of your tax allowances constructing a portfolio in the most tax efficient manner – to minimise your tax liability.

We will create a portfolio that is tailored to your personal needs and goals and has the most effective combination of investments from the various asset classes (cash, bonds and stocks).

By using investment platforms as a portal to the investment market, with access to thousands of different investments, allows us to manage your money for maximum potential returns.

We keep track of your portfolio, pro-actively assessing whether any adjustments should be made and strive to identify new investment opportunities for you.

Once we have all agreed with the investment recommendations, we will organise the set-up and transfer of your money to the chosen fund provider. We work closely with the specialist fund managers where your money is invested, and keep you informed as to how your investments are performing on a regular basis.

In a nutshell, we can always answer the questions that every investor wants to know:

  • How much is my investment portfolio worth?
  • How well is my portfolio performing?
  • What do I need to do next?

We build a long-term partnership with you so that we can continually tailor and adapt your portfolio to deal with whatever life throws at you. You’ll hear from us regularly, and we will always keep your affairs private and confidential.

Keeping track of your portfolio can be problematic, which is why we provide easy-to-digest, real-time performance reports containing details of all your investments. We will monitor the performance of the funds you are invested in, together with changes to their managers, and with your agreement make recommendations when we feel it is appropriate to do so, ensuring that it remains in line with the agreed investment strategy.

We can also provide you with valuations and tax reports for your accountant.

Innes Reid are Chartered Financial Planners, so will offer you the very best wealth investment advice, portfolio creation and ongoing wealth management to make your money work harder.

The Financial Ombudsman Service (FOS) is an agency for arbitrating of unresolved complaints
between regulated firms and their clients. Further details of the FOS can be found on its website:
www.financial-ombudsman.org.uk