Investment advice

At Future Life Capital, we build investment portfolios to suit your current and future financial needs.

Whether you’re saving for school fees, planning your retirement, or just looking to use your capital to outperform cash and protect your money from inflation, we can help you find ways to use your hard-earned resources to meet your objectives.

There are many options available to investors, along with various tax wrappers that can be utilised. We advise on:

• Collective Investments Such As Unit Trusts And OEICS
• Investment Trusts
• Exchange Traded Funds
• Direct Equities
• VCT & EIS
• Individual savings accounts (ISAs)
• Investment Bonds
• General investment accounts (GIAs)

How our investment advisors can help

Our investment advisors are based in Billericay, Essex, but we are pleased to offer investment planning services to clients across the country.

The process will start with an initial consultation, during which we will carry out a full fact find analysis. This will help us get to know you and identify the best way for you to hold your investments.

From there, we will work with you to find the most suitable recommendation given your individual circumstances, your attitude to risk and your capacity for loss, always taking steps to ensure our suggestions align with your broader goals.

You can expect us to develop a portfolio that will be able to adapt to your changing needs, as your situation and your outlook inevitably changes over time. Throughout the course of your investment(s), we will re-assess your attitude to risk on a regular basis and review their suitability annually. Should you prefer a more frequent review, we can facilitate this – and if your circumstances should change quickly, we will aim to discuss the implications at your earliest convenience to ensure your investments remain suitable. Our team are always on hand to talk you through your options and make continual recommendations relating to the investments in your portfolio throughout the year.

Please note, we only advise on regulated investments. We do not provide advice on non-regulated investments and would urge caution to anyone pursuing opportunities in these areas. Apart from the questionable aspects of many of these investments, it’s important to remember that you would lose the protections that are in place to protect you.

Achieving optimal asset allocation within our clients’ portfolios

Asset allocation is at the very core of our investment philosophy. We use this strategy to manage risk and volatility in the investment solutions that we offer to our clients. When we build our clients’ investment portfolios, we are not only thinking about capturing the upside in the markets – we’re also trying to protect the downside by looking at the correlations between various asset classes and re-allocating funds accordingly.

Setting you up for long term financial success

By using highly tested industry software, and by constantly engaging with fund managers and their teams, we believe we provide an added edge, from an advice perspective. For us, it’s all about adding value, as explained in this recent piece.

The financial services industry continues to edge more and more towards the use of discretionary portfolios and models. However, we will always work to adjust our strategies based on your individual requirements, resulting in truly bespoke investment portfolios that will support you through each and every life stage.

Click for more information on our pension planning services.

Explore your options today. Contact us to book your initial consultation and learn more about our flexible yet thorough approach to investment planning.