People often amass numerous investments over their working life such as ISAs, Investment Bonds and Unit Trusts. Often they wish to investigate whether their investment affairs can be consolidated to a single, flexible investment platform. This allows a consistent investment approach to be applied to the entire investment portfolio.

Furthermore, an investor is often completely unaware of the level of investment risk within their portfolio. It is common for investment arrangements to be invested entirely in shares. As many people class themselves as relatively cautious investors, they are often keen to reduce their exposure to investment risk. This can be achieved by introducing lower risk investments to their portfolio.

Also, with interest rates remaining very low by historical standards, and with inflation constantly eating away at the purchasing power of savings there are some important investment decisions to be made. Please bear in mind however, that the value of investments can go down as well as up, so you could get back less than you invest.

If you feel that you are affected by any of these issues, it is essential that you talk to us. Our philosophy is to:

• Develop a thorough understanding of your circumstances
• Explain your investment options in straightforward language
• Provide strong, clear and impartial advice