Investment & wealth management advice.
Whether you're investing for the first time or looking to review an existing portfolio, I'll help you build an approach matched to your goals, time horizon and comfort with risk.
What's included
- Investment planning and portfolio construction
- Stocks & Shares ISAs and tax-efficient wrappers
- Risk-profiling to match investments to your comfort level
- Ongoing reviews as markets and your circumstances change
Worth thinking about before you invest
- Investing generally suits money you can commit for five years or more
- It's worth having an emergency fund in place first, so you're not forced to sell at the wrong time
- Existing debts, especially high-interest ones, are often worth addressing alongside or before investing
- Values can fall as well as rise, so you'll want to be comfortable with some fluctuation along the way
- You may get back less than you put in – past performance is never a guarantee of what's next
- Spreading investments across asset classes helps manage risk rather than relying on any one outcome
"I'll never recommend an investment that takes on more risk than you're comfortable with, or more than you could actually afford to lose – getting that balance right is the whole job."– Harneil Panaich, Independent Financial Adviser
Who this is for
Investment advice matters whether you're putting money aside for the first time, holding a portfolio you haven't reviewed in years, or have come into a lump sum and aren't sure what to do with it. Most of my clients meet me by appointment in Leamington Spa or by home visit elsewhere across Coventry and Warwickshire, though plenty prefer a phone or video call – all get the same level of research and attention.
Being independent means I'm not working from a fund range someone else has decided is “good enough” – I'll research the whole market and build a recommendation around your actual goals and comfort with risk, not a house list.
How it works
Introduction & Fact-Find
We start with your goals and existing investments – in person if you're nearby, by phone or video if that's easier.
Diagnosis & Research
I assess your comfort with risk and time horizon, then research the whole market for the right approach – independent means no shortlist, no restricted panel.
Presentation & Recommendation
You get a plain-English recommendation on where and how to invest, with every cost, charge and risk laid out clearly.
Consent & Implementation
Once you're happy to proceed, I confirm the details, get your consent, and put your investment plan into action.
Ongoing Advice & Reviews
Regular check-ins to keep your portfolio aligned with your goals as markets move.