The quiet cost of holding too much cash
Live end-to-end check 165224.
Investment management
Portfolios matched to your risk budget and time horizon, reviewed quarterly and rebalanced by rule rather than by instinct.
Private wealth management · Established 1995
Wealth is easier to build than it is to keep.
For three decades we have advised families on the decisions that compound quietly across generations — allocation, tax, succession, and the discipline to stay the course when it is least comfortable.
£2.4bnUnder advice
31Years established
180+Client families
94%Ten-year retention
Our counsel
Everything that touches your wealth, under one roof.
You should not have to be the person who coordinates your adviser, your accountant, and your solicitor. That is our office.
Financial planning
Cash-flow modelling that answers the real question — whether the plan survives the years you cannot forecast.
Estate & succession
Trusts, gifting, and family governance, so that wealth transfers without taking relationships with it.
Our principles
Independent by structure, not by slogan.
We hold no products of our own and take no commission from anyone. The only revenue we earn comes from the families we advise.
A named adviser
One partner owns your file and a second knows it just as well — for as long as you are a client. No call centres, and no re-explaining your family.
Fees quoted in pounds
An annual figure in sterling, agreed in advance. Percentages hide how much a long relationship actually costs.
Decisions on the record
Investment committee minutes, rationale, and dissent — written down and shared with you rather than filed away.
One coordinated office
Your accountant and solicitor are brought into the same conversation as standard, not as an afterthought.
The journalPlain writing about
Plain writing about
complicated money.
New entries whenever we have something worth saying — written by the people who manage the money, not by a marketing department.
Markets
Tax
Four allowances most families forget before April
Small, unglamorous, and worth considerably more than most people assume — particularly when used every year rather than remembered in March.
Planning
Talking to adult children about inheritance
The conversation families delay longest is usually the one worth having first — and it is rarely about the money.
They talked us out of a decision that would have cost us a great deal.Client since 2009 · Family office, Surrey
An invitationBegin with a conversation,
Begin with a conversation,
not a pitch.
An hour, at our cost, to understand what you are protecting and whether we are the right people to help you protect it.