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'Maximising Returns Whilst Limiting Losses'

Being Independent Financial Advisers, the investment process we adhere to is an 'advised' process where after identifying your needs we make specific recommendations on which you act.

We start by discussing your investment needs, identifying what capital you have available for investment, agreeing the timeframe of investment, the goal and the specific purpose, i.e. growth, income, or combination of both. We then take you through our investment risk questionnaire to establish a starting point from which we identify and agree a suitable level of investment risk that is appropriate for your personal needs. During this process we also discuss your capacity for loss, establishing the appropriateness of the investment risk you are agreeing to.

Once your level of investment risk has been agreed, we will discuss and agree the most suited investment approach from the different types of investment solutions available. These include the building of a bespoke portfolio using individual sector funds, passive investments, active managed investments, fund of funds, manager of manager, multi asset, risk targeted, model discretionary portfolio's and be-spoke discretionary management.

We will then research the whole of the market to identify the most appropriate investment that match your needs and the agreed level of investment risk. When identifying the most appropriate investment we take many factors into account, some of these include style of investment, the investment teams experience, historic performance, volatility and also cost.

With there being such a wide universe of effective investment solutions available from the leading investment professionals in the industry, we are strong believers that the investment process needs to be as efficient and cost effective as possible in order that returns can be maximized whilst limiting losses at times of market stress. We therefore prefer outsourced investment solutions, whereby, once we have identified the agreed the level of investment risk and most suited investment approach, we recommend the specific investment solution where all the detailed underlying investment decisions and ongoing management of when to make changes are all done for you without your continual involvement. We favor this approach over recommending and establishing client specific be-spoke portfolio's because under an advised investment process, for any changes to be made to the be-spoke portfolio these first have to be discussed with the client, research carried out and specific recommendations made that have to be agreed by the client before any changes can be instructed. We believe this time lag leads to an inefficient process, and simply put, why try and do the job of the investment professional when there is a whole industry already providing that service.

Our role in the investment process is to manage your goals, identify your risk, capacity for loss, and once the investment solution has been initially identified and recommended, review this ongoing to ensure it continues to meet your risk and performs in-line with expectations. If changes are required, we can make a recommendation to change the underlying investment solution, this requiring just one change rather than multiple underlying changes that could occur under a be-spoke individual sector fund portfolio.

Outsourcing the detailed underlying investment decisions ensure an efficient investment process where the fund manager can act on market opportunities and sensitivities to maximise returns whilst limiting capital losses. This also enables us, as your adviser, to spend more time on the planning of your goals and how you best achieve these.

Complete Wealth Solutions Ltd is authorised and regulated by the Financial Conduct Authority.

Complete Wealth Solutions Ltd is entered on the FCA register under reference 708736.

The FCA does not regulate National Savings, some forms of inheritance tax planning, trust planning, offshore products and buy to let mortgages.

Your property may be repossessed if you do not keep up repayments on your mortgage.

The guidance and or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. Some services provided by Complete Wealth Solutions may be subject to VAT, registered under no. 970354712.