Planning your investments

Finding the right balance of investments to manage, preserve and grow your financial assets in an ever-changing investment landscape requires careful thought and planning.

Clients often come to us having built up numerous investments and funds over many years, but might not have considered whether they’re over-exposed in some asset classes or under-represented in others.

A sound investment strategy usually involves having a portfolio of long-term investments across a range of asset classes while ensuring you’re comfortable with the balance between risk and reward. It should also take into account your family’s future financial needs, such as school or university fees, and the tax due.


Our approach


You’ll have direct access to our highly qualified team of professionals who stay on top of ever-changing market conditions and legislation, without the need for unnecessary middlemen.


You’ll get a very personal service, with regular reviews available and recommendations tailored to your precise needs, and which take into account long-term market trends and your attitude to risk. 


We don’t provide our own financial products, so you can be sure you’ll get independent, fee-based advice on the widest possible selection of relevant invested products from a trusted adviser.


Our in-house colleagues provide a range of services including active management of your portfolio by our fund managers if required.


How we can help

  • Asset allocation: Managing asset allocation across all your investments based on your risk profile. 
  • Optional reviews: Reviewing your asset allocations at least annually and making appropriate recommendations.
  • Tax planning: Ensuring your investments are held in the most appropriate tax wrapper and making the most of tax-efficient savings such as pensions, ISAs, National Savings and insurance-based investments. 
  • Active fund management: Accessing discretionary fund managers in our investment management business to look after your investment portfolio, if appropriate.


Our credentials


We build long-term relationships and have been advising some families over many generations. 


Our personal financial planning directors have an average of 20 years’ experience.

Track record

Our investment management business has over £19 billion of funds under management and advice as at 30 June 2017.

Contact us

Lee Sweeting personal financial planning
Lee Sweeting

Consultant Bristol +44 (0)117 376 2104

Related content

New tax year resolutions

New tax year resolutions

Six specific tax planning areas to consider to kick-start your new tax year resolutions.

Higher earners should use pension allowances before they are lost

Higher earners should use pension allowances before they are lost

What you need to know about carrying forward your annual allowance

ISA rules revamp aids retirement saving options

ISA rules revamp aids retirement saving options

The ISA regime shake up brings huge opportunities for tax efficient savings. What are the changes and how can they help you?

Family Office Services

Family office services

We are an experienced guardian of a family’s assets and financial affairs, acting for clients including entrepreneurs and long established families with substantial private capital and varied business interests.

changes to UK capital gains tax, stamp duty, land tax, esidential property
Briefing note

Non-UK resident individuals owning UK residential property

Summary of some recent changes to UK capital gains tax and stamp duty land tax for non-UK resident individuals owning UK residential property.

Financial education

Financial education – meeting the changing needs of employees

The link between financial anxiety, stress and lower productivity in the UK is increasingly apparent. Financial education as an employee benefit is on the rise.

Money purchase annual allowance

Money purchase annual allowance

Reduction in Money Purchase Annual Allowance captures more salaried pensioners

Investment management private

Investment management – Private clients

Everyone has different needs, aspirations and time horizons. We don’t believe in a one-size-fits-all approach.

Smith & Williamson websites use cookies. Find out about cookies here. By continuing to browse this site you are agreeing to our use of cookies.