Investment & ISA Advice

Two questions matter more than which fund you pick: how much risk is appropriate for your circumstances, and which wrapper you hold the investment in. Get those right and the rest is easier. Get them wrong and good fund selection will not rescue it.

What we advise on

ISAs, Junior ISAs and Lifetime ISAs allow you to save or invest up to an annual limit without paying tax on the income or gains. There are several types, each suited to different goals and different tolerances for risk, and we help you choose between them.

General Investment Accounts have no upper limit on what you can invest, which makes them a flexible option once other allowances are used.

We also advise on onshore and offshore bonds where they suit the circumstances.

Whole of market

We search the entire market rather than a restricted panel, and we are not financially incentivised to recommend particular products. That independence is the point: it means the recommendation follows from your circumstances rather than from ours.

Changes worth knowing about

Dividend tax rates rise by two percentage points in 2026/27, and from April 2027 the overall ISA allowance stays the same but those under 65 will be limited to £12,000 a year into a cash ISA. Both make the wrapper question more consequential than it has been.

Start with a conversation

The first appointment is free and carries no obligation, at either office.

The value of your investment, and the income from it, can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.

The Financial Conduct Authority does not regulate tax advice. Tax treatment varies according to individual circumstances and is subject to change.