You can get advice from an FCA approved adviser. As an independent financial adviser, Sevenaar will be able to help you with your investment and wealth management needs and you can benefit from a sophisticated investment expertise.
Independent advice refers to giving impartial and unbiased advice and recommending products from the whole of market. This increases the chances of you getting a better investment proposition because a broader range of products is considered for assessing suitability.
Sevenaar is an independent financial adviser and provides investment and wealth management advice using a bespoke portfolio management service. We advise and make recommendations for you after we have assessed your needs. Our recommendation is based on a comprehensive and fair analysis of the market. We manage your investments using industry standard financial methodologies and practices. Clients get value and benefit from sophisticated investment expertise.
Sevenaar charges 3% for initial implementation.
Yes. The ongoing service involves reviewing your portfolio regularly and when circumstances require to. It also involves assessing your personal circumstances on an ongoing basis to ensure that your investments are correctly aligned with your objectives and attitude to risk. Although it is beneficial for most clients and is recommended, some clients may not need it and your adviser will let you know if this is the case.
Sevenaar does not hold any client money and does not take custody of client assets. Our service is only advisory in nature and we make recommendations for you only after we have assessed your needs.
Just contact us and Sevenaar will take care of the rest.
Investing (not speculating) in the stock market involves a complex understanding of investments. With Sevenaar's expertise and understanding of the stock markets, you can get the peace of mind with benefiting from carefully selected suitable investments that we can recommend to you as part of our service.
Sevenaar is a fee-only independent financial advisers and does not take any commissions, incentives or inducements from anyone.
It depends on the tax wrapper that your adviser recommends. Each tax wrapper has different characteristics and some may attract taxes.
Sevenaar's investment process is designed and structured to provide the most suitable advice in the most tax efficient way. As far as possible, we first structure your investments in available tax wrappers. If this annual allowance is exhausted, we look to use other wrappers like General Investment Accounts (GIA). Any tax liability arising out of this account can be managed to minimise the impact of taxes.
Income investing means structuring your investments in a way to generate a steady stream of income. For some investments types, the level of income is not guaranteed because they are based on market conditions. See https://sevenaar.co.uk/insights/incomeinvesting
ESG stands for Environmental, Social, and Governance. Clients are increasingly aware and concerned about these non financial factors in their investment portfolios. Researching and analysing these factors which contribute and affect risk-return profile of an investment due to Environmental, Social, and Governance issues have therefore become even more important. Constructing a portfolio that manages ESG risks is an ongoing challenge as investments continually exhibit changing risk levels to these factors. See https://sevenaar.co.uk/investments/portfolios
Individual Savings Account is only per individual. It cannot be held in joint names. See https://sevenaar.co.uk/insights/stocksandsharesisa
This is currently £325,000 and a 40% tax is applied to net assets above this threshold. See https://sevenaar.co.uk/insights/inheritancetaxplanning
Rebalancing involves adjusting portfolio weights to be more closely aligned to their strategic weights. Economic conditions and market movements cause these weights to drift away and realigning them back is called as rebalancing a portfolio. Sometimes rebalancing can give rise to capital gains(losses) and this tax liability can be mitigated if the portfolio is structured in a tax efficient way.
Sevenaar provides fee-only independent advice in a fiduciary capacity. We disclose any conflict of interest upfront and do not accept any commissions or inducements from the products we recommend. We also uphold highest ethical standards and are committed to providing an exceptional and an unbiased service. All recommendations made are as tax efficient as practical. See https://sevenaar.co.uk/home/about
A professional entrusted to manage wealth or assets keeping client's interest first at all times. An adviser following a fiduciary standard must disclose any conflict or potential conflict at all times to the clients. Such a professional also adopts and upholds code of ethics and will disclose fees and any compensation arrangements prior to providing the service.
CFA stands for Chartered Financial Analyst and is one of the highest distinctions in the investment management profession. To earn the distinction of Chartered Financial Analyst charterholder, candidates spend an average of more than 1,000 hours of demanding studying to successfully complete the CFA Program exams and must have at least four years of professional experience. When you engage with a CFA charterholder, you can trust their rigor, commitment to ethics and depth of knowledge in providing their services to you.