Investment Management
Portfolio of Services
Brian Vallely & Co Investment Management is a trading name of Portcullis Financial Planning Limited. Brian Vallely began providing financial advice in 1996 and has built up a significant client base of satisfied customers.
Our aim is “To provide professional, independent financial advice, with honesty and integrity by tailoring solutions specific to our clients needs and objectives, both now and for the future, whilst delivering value for money".
Investment Management
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Choosing the right investments could play a vital role in helping to secure your financial future.
Brian Vallely & Co Investment Management has a 3 tiered approach to investment management
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1. Advisory Portfolio Management
This is a service that puts you in control of the decisions we make in respect of your investment portfolio. Following a discussion on the ‘level’ of risk you wish to be exposed to and bearing in mind any current investments you may have in your portfolio, we create your investment risk profile. Using this profile we then search the market for the most appropriate investment match. Even at this point you may decide to invest more in a particular area or less if you feel it is too risky. The ultimate decision rests with you.
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2. Discretionary Portfolio Management
We have access to a number of Discretionary Managers who manage our clients’ funds. These managers have the resources of professional teams of analysts and economists to help make decisions for you. They take account of your investment risk profile to buy and sell funds. This facility can be slightly more expensive, but your appointed manager will outline such fees and answer any questions you may have.
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3. Discretionary and Advisory Portfolio Management Services
As a combination of both the above services, we use the discretionary service as a core to your portfolio and the funds we use are to supplement the core holding. With your agreement, we allocate a percentage to the discretionary manager, and then we select a range of funds to supplement the core, trying not to replicate funds which have already been chosen. As part of the advisory service, we do not move funds without your prior agreement;
however, your discretionary manager will make decisions on the portfolio they manage on your behalf without the need for obtaining your written request, whilst ensuring your portfolio sits comfortably within your pre-agreed investment risk profile alongside any existing investments.
Investments are by nature a risky business; don’t increase the risk, seek independent advice to help you
Pre & Post Retirement Planning
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There has been a sharp fall in the percentage of people saving adequately for retirement.
Of those who have a pension, many have no idea how their pension is performing or what it will equate to in financial terms on retirement
Pre-Retirement Planning
The provision and implication of retirement solutions can be very complex and the earlier in our working life we embark on retirement planning the easier the path will be. There are a number of retirement solutions available. Company-sponsored schemes will no doubt become more popular for employed and part-time employees, but many employees and self-employed will still prefer to manage their own pension funds.
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Post Retirement Planning
At retirement once again there are a number of arrangements available to provide income in retirement. Much is dependent on your financial needs, such as the decision to leave part or all of your pension to your next of kin. We have a wide range of solutions available to help make your retirement planning decision an informed one and to cater for all eventualities.
We will help you target the income you require at the age you would like to retire. We will also help you with a portfolio of funds that suit your risk profile. Even if you already have a pension fund you will want us to review it to ensure it has a reasonable chance of meeting your required goal
Equity Release
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There may come a time when you wish to release capital from your property, either for your own personal use or for one of your children.
In most cases, you need to be over 55 and in reasonable health. The money released from your property can be used for whatever you want, with no repayments required during the life of the mortgage instead the interest is rolled up until the property is sold.
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Brian Vallely & Co Investment Management can advise on the most appropriate lenders available to you.
Tax Advice
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We help many of our clients prepare documentation for HMRC. In a number of cases we help clients by reducing client’s tax liability through strategic planning from income tax to inheritance tax and capital gains tax. In more complex cases we have a panel of accountants available to ensure all options are explored.
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Take that first step now by giving us a call or if you prefer email us with best contact details and we will come straight back to
you.
Trusts
An increasing number of people are now leaving part of their estate in trust instead of through their will, to sons, daughters or
grandchildren. A trust can be set up by anyone through ourselves as independent financial advisers or your solicitor.
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The main benefit of setting up a trust is to ensure the asset goes specifically to an individual or individuals for a known purpose
such as education or marriage. In certain cases leaving an asset in trust could also help reduce an inheritance tax liability. A trust may also be used to provide income for the benefit of a disabled person should they need care later in life.
There are many different types of trusts and this is why advice is required from someone who is qualified and knowledgeable in trusts such as ourselves or your solicitor.
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Estate Planning
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Having built up a sizeable estate through thrift, investments or inheritance, you will want to ensure that your estate is not subject to unnecessary tax. Regardless of the size of your estate we can provide advice on how to reduce the tax implications
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Long Term Care
We are also in a position to help you should you require Long Term Care. We will discuss what assets are taken into account and what will avoid means testing.
Our Fees
Our advice is competively priced and the first consolation will be at our expense. At that time if we can help and you wish to proceed, we will discuss our remuneration structure.