Phone: 01772 780300
Address: 8 Berry Lane, Longridge, Preston, PR3 3JA
Email: info@rjiswealthmanagement.co.uk
01772 780300
info@rjiswealthmanagement.co.uk
01772 780300
info@rjiswealthmanagement.co.uk
Phone: 01772 780300
Address: 8 Berry Lane, Longridge, Preston, PR3 3JA
Email: info@rjiswealthmanagement.co.uk
FANCY A CHAT OVER TEA OR COFFEE?In an ever increasingly complex world, our charity offering is a simple, bespoke, local and personal service. Our aim is to take the burden off trustees by providing high-quality investment management and first-class service.
While many charities share similar financial goals, we know that no two are exactly the same. By working in partnership, we can develop a bespoke portfolio to best serve each charity’s goals.
Most of our charity clients opt for our discretionary portfolio management service. This means that your charity’s investment manager will manage your portfolio in accordance with the specified investment objectives, risk profile and income requirements that we agree together at the start and review regularly. We find that charities value the simplicity this brings to the investment management process and the passing of responsibility for investment decisions from trustees to professional investment managers.
For some charities, the nature of their work is reflected by the ethical criteria for their investments. We are able to accommodate a wide range of ethical investment requirements as we build each portfolio from scratch in line with your preferences. This is in contrast to the typical one-fund-fits-all view that is far from optimal. Our stockbroking capabilities allow us to utilise individual shares to ensure each portfolio meets the charity’s ethical standards. See ‘link to ethical page’ for more details.
Stage One- Negative Screening
Firstly we look at what clients don’t want to invest in. This could companies involved in armaments, tobacco, alcohol, animal testing, gambling etc… we can also drill down to the next level to allow a percentage of revenues. So for example, someone might not want to invest in an alcohol company per se but wouldn’t mind investing in a hotel chain that makes a small percentage of its revenues from alcohol sales.
Stage Two- Positive Screening
Then we move on to what people do want to invest in. This can be broad-based such as wanting to invest in innovative companies that are solving the World’s problems. We incorporate ESG (Environmental, Social and Governance) in all of our research as there is good reason to believe that the most sustainable and well-governed companies will offer shareholders the best long-term returns.
We can also offer positive screening very specifically. Do people only want to invest in companies with excellent human rights track records for example? Or in renewable energy? Or those that contribute positively to their community?
Stage Three- Portfolio Construction
Having reviewed all other financial goals and risk profile we can then build a bespoke portfolio to meet a) client needs and financial goals and b) reflect their views in what it Is invested in. The level of how bespoke we can make it is endless. There are over forty thousand listed companies and we have an enormous amount of research available to us. This allows us to build diversified portfolios for people with even the most specific views and preferences without necessarily sacrificing performance. Most ‘ethical’ funds exclude certain companies and these are an option for broad-based ethical investing. They cater to the views of the masses though. Only through investing directly in a portfolio of shares designed specifically for a client can all their views be best accommodated.
Stage Four- Ongoing Management
This can be done on and (advisory link) or (discretionary link). Clients have unlimited access to their wealth manager and we review goals and any changes in ethical preferences on a regular basis.
The only constant in life is that it is always changing! And so it is crucial that we regularly review your plan to make sure it keeps pace with your changing circumstances. We will sit down with you, face to face, twice a year to make sure we are always focussed on what matters most to you.
Once you are happy with any recommendations and fully understand how we will help you to reach your goals, we will implement the necessary plans. Let’s get your money working for you.
We will present you with a plan to achieve and maintain your desired lifestyle based on what you want but also on what you need.
So we know where you want to get to and what savings/assets you have available to fulfil your dreams but are you heading in the right direction? Have you got enough saved? Are your existing plans the right ones to help you reach your desired lifestyle? Crucially, what could cost you your financial security and independence and what do we need to protect you from? Money is not like love…….it is not better to have had and to have lost than to never have had at all.
So, now we know the lifestyle you are trying to achieve and/or protect, we need to gather data on the assets, savings and existing plans you currently have in place.
The most important step of all….where you are trying to get to. What do you want to get from life? What would you like to be able to do, when would you like to do it and who do you want to share it with?
Without a new generation to follow us all, our local communities will die out. Our aim is to support the opportunities for our young people to participate in sport, maximise education and to access opportunities that enable them to be able to afford to remain here.
This is our community and we are proud of it. We support activities that improve the places we live, look after the nature and wild-life that make our community so beautiful and aim to improve the quality of life of those living here.
We support causes that aim to further enhance the social interaction in our community, to make it a warm inviting place for all. We want to bring people together and work to help those that find themselves isolated.
Tax efficient investing to provide the best start to life for your children and/or grandchildren
We help companies invest surplus cash and provide a Discretionary Management service designed to help trustees successfully reach and secure the objectives of their trust.
Find the most suitable way to save for your well-deserved retirement. Maximising tax advantages and reducing unnecessary risk
Protect the lifestyle of your and your family from the disastrous effects of illness or death.
Ensuring that the wealth you have worked hard to accrue is protected against Care Fees and Inheritance Tax (IHT) and passes to your chosen recipients, at your chosen time
How should you invest your money to make the most of your wealth?
The only constant in life is that it is always changing! And so it is crucial that we regularly review your plan to make sure it keeps pace with your changing circumstances. We will sit down with you, face to face, twice a year to make sure we are always focussed on what matters most to you.
Once you are happy with any recommendations and fully understand how we will help you to reach your goals, we will implement the necessary plans. Let’s get your money working for you.
We will present you with a plan to achieve and maintain your desired lifestyle based on what you want but also on what you need.
So we know where you want to get to and what savings/assets you have available to fulfil your dreams, but are you heading in the right direction? Have you got enough saved? Are your existing plans the right ones to help you reach your desired lifestyle? Crucially, what could cost you your financial security and independence and what do we need to protect you from? Money is not like love…….it is not better to have had and to have lost, than to never have had at all.
So, now we know the lifestyle you are trying to achieve and/or protect, we need to gather data on the assets, savings and existing plans you currently have in place.
The most important step of all….where you are trying to get to. What do you want to get from life? What would you like to be able to do, when would you like to do it and who do you want to share it with?
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We are able to accommodate a wide range of ethical investment requirements as we build each portfolio from scratch in line with your preferences. This is in contrast to the typical one-fund-fits-all view that is far from optimal for those looking to invest ethically. Our stockbroking capabilities allow us to utilise individual shares alongside selected funds to ensure your portfolio is tailored to your particular needs. We work with both charities and private investors with ethical requirements.
Our Alternative Investment Market (AIM) Portfolio Service offers an opportunity to grow your investments and shelter a part of your estate from Inheritance Tax (IHT). And unlike other IHT planning tools, our AIM Portfolio Service enables you continued access to income and capital. AIM stocks are more volatile and can be less liquid than standard securities.
Certain shares within the AIM qualify for BPR and therefore offer 100% IHT relief provided they have been held for two years or more at death. Our AIM Portfolio Service seeks to help clients benefit from this relief, whilst also offering them exposure to attractive investment opportunities independent of the relief.
We use the AIM Portfolio Service as one option in a wider inheritance tax planning strategy. It isn’t suitable for all clients.
We will discuss any recommendations or portfolio changes with you before they are made. This service is more suitable for clients who wish to play a more active role in managing their investments.
Investment decisions and adjustments to your portfolio are made by your Wealth Manager in line with your agreed investment strategy and risk profile. This allows for decisions to be taken faster and removes any investment liability from you.
An important part of planning for the future is ensuring you are saving and investing enough of your wealth to achieve your goals. We use cash flow planning to project the value of your savings and investments into the future, this allows us to calculate the levels of contributions required to provide a certain standard of living in retirement. We also make use of all the available tax allowances and account wrappers (e.g. ISAs, pensions) to help you grow your wealth in a tax-efficient way.
At Raymond James we specialise in helping our clients with IHT planning. Effective IHT planning can help you mitigate the IHT levied on your estate and ensure more of your life savings can be passed onto your loved ones. We achieve this by setting up tax-efficient wrappers for your investments, utilising allowances and if suitable, creating insurance policies or our AIM Portfolio Service.
If you are currently trying to plan for a two person, three decade retirement, the current pension legislation can seem very complex. Whether you already have multiple pension plans in place, but worry about their ability to provide for your retirement or you don’t have existing pension provision and want to know which pension and what level of funding would be suitable for you, we can help.
We can help you simplify existing pension arrangements, maximise the efficiency of your portfolio, arrange suitable pension plans and fund at the level required to provide you with the lifestyle you would like in your retirement.
We put cash flow planning at the heart of your financial plan. Using advanced modelling software, we project your financial future based on your current situation and the lifestyle you wish to enjoy. This projection helps us form recommendations to help you achieve your financial goals. Your wealth manager will update and revisit the cash flow plan with you on a regular basis to ensure you are on track in planning for your future.