Financial Investment Advice - 5 Talents Financial Planning

We create an investment strategy tailored for you

We offer investment advice as part of our 5 Talents Financial Planning offering. With this service we consult with you to understand your current situation and future objectives before building a tailored plan of recommended products and investments that are right for you. It’s important to note that investment returns don’t always go up, so investing an appropriate risk level to you is important, and we will provide appropriate advice for your needs.

Typically speaking, an individual should look to invest for a minimum of 5 years to enjoy the fruits of their investment.

Investments

If you have savings and you want to grow your money over the long term, then having a professional Investment strategy can be beneficial. We will liaise with you to understand your current situation and future goals, before building an Investment strategy tailored for you.

What we offer

Investments can be a complex part of your finances, and therefore setting them up appropriately is important. We work to make all advice as simple as possible for our clients by providing personalised investment advice tailored to your lifestyle, financial situation, and future plans. We can advise on your existing investments, whilst recommending new arrangements if appropriate. We always strive to ensure you are comfortable and confident in the investments you have set up. Some of our services in this area include:

Individual Savings Accounts (ISAs) - There are different types of ISAs available on the market, including Cash ISAs and Stocks & Shares ISAs. The great thing about ISAs is they are a very tax-efficient investment option, meaning you don’t pay any Income Tax (IT) or Capital Gains Tax (CGT).

Every tax year you can save up to £20,000 into one or multiple ISAs. We can give you the best financial advice on ISAs to ensure you are selecting the correct type to give you peace of mind that you hold the most appropriate type of account for your future needs.

General Investment Accounts (GIAs) - These are accounts which allow you to retain investments outside of other tax efficient wrappers. Examples include pensions and ISAs, however unlike ISAs, there is no limit to how much you can invest a GIA, meaning they can be a useful investment option for those with larger lumps of money, too large to invest in one go in an ISA or Pension.

Investment Bonds - Investment Bonds are another useful product which allow you to invest larger sums of capital into. Investing in Investment Bonds can give your capital the potential for medium - long term growth, and they allow you to draw some of the capital out tax-free each year. Investment Bonds usually require a minimum investment amount. We can advise on the most tax-efficient way to invest your money in Investment Bonds.

Junior Individual Savings Accounts (JISAs) - These are long-term, tax-free savings accounts for individuals under the age of 18. There are Cash Junior ISAs which are except from tax on any interest gained and Stocks & Shares Junior ISAs which are exempt from tax on any capital growth accrued or any dividends received. It is possible to have both types of Junior ISA simultaneously and we can advise which combination works best depending on your objectives.

Junior ISAs are a fantastic option for parents or grandparents with surplus capital wanting to help the younger generations save for the future. The maximum annual investment into a Junior ISA is currently £9,000 per year, unlike an adult ISA which is £20,000 per year. Those with direct parental responsibilities can open a Junior ISA and manage the account on behalf of their child, but the money always belongs to the child. When their child turns 16, they can take control of the account, and from the age of 18 they can start withdrawing and use the money. We can advise you on Junior ISAs as a long-term, tax-free savings accounts for children. They could help your child buy their first car, pay for university fees, or save for their first house deposit!

Venture Capital Trusts (VCTs) - These are a tax efficient investment scheme designed to provide venture capital for small, growing companies, in addition to capital gains for investors. A big advantage is they offer multiple tax reliefs, such as up to 30% upfront income tax relief, tax-free dividends, and an exemption from Capital Gains Tax (CGT) on any shares that increase in value. VCTs are higher risk when compared with other investment options, and therefore are not suitable for all investors.

Enterprise Investment Schemes (EIS) - This is a government-driven initiative introduced in 1994 which is designed to stimulate investment in UK start-up companies. It can combine attractive tax reliefs for investors while being a substantial injection of money for the fledgling companies. Tax reliefs in an EIS-qualifying company qualify for Capital Gains Tax (CGT) deferral, Inheritance Tax (IHT) relief, Income Tax (IT) relief, tax-free growth and loss relief. Given EIS companies are in their start-up phase, such investments are high risk, and not suitable for all investors. We can consult with you as to whether an EIS is right for you.

Investment Fund/Portfolio Advice - This is particularly relevant for clients who approach us to discuss their existing investment setup. An example of this is if you wish to review an existing Stocks & Shares ISA or a pension plan, but are unsure whether it’s delivering the expected level of return. We can review these investments and provide advice on an alternative option at an appropriate level of risk. We will liaise with these customers to understand their overall objectives and their appetite for risk before recommending investment options which match these objectives.

Risk Warnings: 1) The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested. 2) The favourable tax treatment of ISAs may be subject to changes in legislation in the future. 3) Past performance is used as a guide only; it is no guarantee of future performance. 4) Shares in VCTs and EIS-qualifying companies are not easily traded and may be difficult or impossible to sell at a fair value.

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Your Investments are in safe hands…

Richard French is the Founder of 5 Talents Financial Planning and has a level 4 Diploma for Financial Advisors (DipFA).

As an Independent Financial Adviser, Richard is vastly experienced in all Investment areas and is not tied to any provider or product. This enables 5 Talents to consider all available options to advise on the best level of investment to suit your specific needs.

Safe Investment Advice - 5 Talents Financial Planning

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Investment consultation

To request a free Investment consultation, simply enter your name, email address, and phone number into the form and we’ll be in touch soon!

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What happens next?

I’ve requested my Free Investment initial consultation, what happens next?

We will contact you with a choice of dates and times so you can select one that works best for you. We can do your initial consultation over the phone or on a video call.
During your initial consultation, we will discuss your situation with you to develop an understanding of your requirements and objectives. It will also be a chance for you to ask any questions you might have about the services we offer at 5 Talents Financial Planning.
If you choose to progress with us, we will look to get some more in-depth information so we can design a bespoke proposal which details our advice on your available options. We’d look to do this face-to-face or via video call if you are located outside of Dorset.
Our Investment service is for the long-term. We are experts on this and we’re here to help you now, tomorrow, and well into the future.

Frequently Asked Questions (FAQs) about Investments

Saving is typically for short-term goals and emergencies, offering low risk and low returns. Investing is for long-term growth, with higher potential returns but more risk.
It’s advisable to invest only what you can afford after covering essential ongoing expenses and building an emergency fund.
Investing in shares can be a good way to get a return on your money. There are two ways to make money from investing. One is by your shares increasing in value, giving you a profit when you sell and the other is if they pay dividends.
However, 5 Talents Financial Planning do not advise on shares in individual companies because they can be higher risk and the returns can be more volatile. Instead we advise on a fund-based investment strategy.
A fund-based investment strategy approach involves appointing an investment manager to manage your investment fund which is spread across a broad range of investments. This approach can deliver less volatile and risk-rated returns, compared to an individual company shareholding.
When it comes to investing, there are various types of risk that you should be aware of and consider. Each risk can have varying levels of impact on the different types of investment. Such risks include:
Market Risk
The risk of losses due to overall market movements, such as changes in stock prices, interest rates, or economic conditions.
Liquidity Risk
The risk of not being able to buy or sell an investment quickly without significantly affecting its price.
Inflation Risk
The risk that inflation will erode the purchasing power of returns.
Interest Rate Risk
The risk that changes in interest rates will negatively affect the value of investments, especially bonds.
Currency Risk (Exchange Rate Risk)
The risk of loss due to fluctuations in foreign exchange rates, affecting international investments.
Political/Regulatory Risk
The risk that government actions or political instability will impact investment returns.
Concentration Risk
The risk of loss due to overexposure to a single investment, sector, or geographic area.
5 Talents Financial Planning will be happy to discuss these with you during a financial consultation meeting.
Volatility is how much an asset or stock price changes over a given period of time. It is a measure of how much the price increases or decreases and how frequently these movements occur. The stock market can always have a period of time when it’s moving up or down.
Some investments are tax-free, like ISAs. Others may be subject to income tax or capital gains tax, depending on your earnings and allowances.
Yes, 5 Talents Financial Planning are independent, meaning we are not tied to one particular provider. Therefore, we can recommend any provider across the whole of the market to provide investment services, and all the main providers we use provide investors with online access to check the value of their investments.