At Investment Quorum we have always taken it seriously that we must be benchmarked by others. It is all right for us to say we think we know what we are doing but we think it is right that others come in and look at our processes look at what we do and look at what we do for clients and give us an opinion on that.Some of that is done very formally,…

Wealth management is the combination of financial planning, investment management, investment consultancy and risk tolerances appropriate to a client.The scope of financial planning and wealth management is all about protection for their family, any debt and liabilities and, of course, building towards retirement, income in retirement for those app…

Understanding risk is really important. I think it is important both from the wealth manager’s point of view but particularly from the client point of view. The minute you take money from a deposit account, well arguably there is still risk even on a deposit account, particularly after 2008 when we say that banks weren’t infallible. But the minute …

Should someone wish to decide investigate becoming a client of Investment Quorum, it is a pretty detailed process. The first meeting, typically is about an hour or an hour and a half. Typically it is held at our expense.We think it is right that potential clients can look us in the whites of our eyes and see if we are what they are looking for. We …

Pensions are a big issue in financial planning and wealth management. Particularly at the moment as there are so many changes going on. We are right in the middle of the transition from the paternalistic State and employer through to the full responsibility pretty much being passed on to the individual.This is also a huge demographic change, we are…

It’s hard to describe a typical client of Investment Quorum but I think they have one thing in common they have chosen to get very involved in their own financial affairs but they are looking for help, they are looking for support.They are usually very involved themselves, they take an interest and they are not ‘fire and forget’. They are from acro…

We take a six step process to financial planning. In fact we follow the ISO 22222 standard which is the international planning standard. There are a couple of them but that is arguably the main one.Step 1 is gathering the information from the client that is relevant to the financial planning process.Step 2 is sitting down with the client and talkin…

Our approach to investment management is based upon a multi-asset approach. So what do I mean by that? What I mean is that it takes cash, bonds, equities, real estate and some alternative investments all blended into a portfolio.Those portfolios are risk graded because not every client is able to take the same risk or has the same capacity to recov…

Investment Quorum differs in that we are one of the smallest in the UK, we have a team of eleven. Wealth management is typically delivered by the private banks or big investment managers.We think the failings there have been very much that people come and go, the teams can be unstable, the wind changes, new management comes in, different processes …

The investment quorum is a team. There is myself, there is the Director Private Clients, Petronella West and she has around 25 years of financial planning experience and my Chief Investment Officer, Peter Lowman, has over 40 years professional investment market experience mainly gathered at Cazenove’s but for the last 7 years within Investment Quor…

As part of the overall wealth management process it is perhaps worth describing some of the typical things that are going on right now. We are doing a large probate valuation for a client. We have just worked out with a client how to take tax-efficient retirement income where he is not paying his highest marginal tax rate. Another thing we are doin…

This podcast will be of particular interest to those planning and saving towards a retirement income.Av Investment Quorum

This podcast touches on how important it is to understand just who you are investing with and what you are investing into and with whom - so we would always advise you to proceed with caution when investing.Av Investment Quorum

This podcast touches upon some of the changes that have already happened and outlines some of what may be to come in 2016. Pensions in 2016 will be of particular interest to private clients undertaking pension planning, either pre or post retirement.Av Investment Quorum

IQ's CEO, Lee Robertson discusses the following in this short podcast:-Who actually needs wealth management?-What sort of comments do people make about your job?-Is it possible to be your own wealth manager?Av Investment Quorum

A short podcast with IQ's CEO, Lee Robertson, discussing the following:-How does a relationship between a financial adviser and a client work?-What divides investors and their advisers?-What can be done to prevent conflict?Av Investment Quorum

A short podcast with IQ's CEO, Lee Robertson, discussing the following:- How is technology changing the financial services industry?- How has technology already changed your job?- As technology develops, do you think financial advisers could be phased out?Av Investment Quorum

A short podcast with IQ's CEO, Lee Robertson, discussing the following:-What is the active versus passive argument?-How would a passive fund manager work?-How would a active fund manager work?-Which is better - active or passive?Av Investment Quorum