Given the level of investment market volatility this year there are few assets that have been unaffected and even those assets traditionally perceived as being lower risk have suffered of late and, in some cases, more significantly. This of course reinforces the need to have a diversified and actively managed portfolio, not being overexposed to any one particular asset class or single share and obtaining integrated advice and investment management.

Before we discuss investment strategy with clients, we formulate their financial plan; identifying objectives, their aspirations whether it be to travel more, retire at a certain point, pay down debt or start on a new career path.  We consider their income and expenditure requirements and strategize this over future years.  We consider the financial risks and opportunities that are likely to present themselves along the way, we look at worst case scenarios; what would happen in the event of illness or worse death.  We look at all aspects of their position and then we plan.

We create a financial plan for them aligned to their aspirations and managing risks.  Importantly we flex the plan to ensure that it can withstand the bumps in the road that life present.  In periods when there are greater uncertainties across a range of areas having a tailored financial plan provides a great level of comfort.  Careful cashflow planning ensures that liquidity is never compromised, and investment horizons are identified allowing appropriate asset allocation decisions to be made.  In this way we can best manage client positions and navigate volatility whenever it occurs.

We place great value in not only creating a client’s financial plan but also ensuring it is updated and relevant to reflect objectives, circumstance and the ebb and flow of life.  We utilise our technology to provide clients access to their bespoke plan and asset values via our financial planning App. Equally important is a traditional approach to the highest levels of personal service through regular conversations and meetings.  In this way the WKM team ensure that our clients come rain or shine can continue to….