Expert Hampshire Savings & Investments
"Do not save what is left after spending, but spend what is left after saving"Warren Buffet
We seek to understand your financial position and work together to build and review your financial plan. We consider the interplay and balance of your savings (cash), investments, and pensions to ensure alignment with your short, medium and long-term objectives.
Our Hampshire Savings & Investments Services
Cash
While an investment portfolio may contain a small element of cash for liquidity purposes, it is crucial to maintain cash savings outside of the portfolio to cover any unexpected costs. While this cash can be expected to generate a nominal return in the form of interest, historically, cash has only kept pace with inflation and is therefore at risk of losing value in real terms over time. It is therefore important to consider how much to keep in cash for security and how much to deploy into a longer-term investment strategy to seek capital growth in real terms, or income generation.
Cashflow Forecasting
We make use of cashflow forecasting software and reporting to form part of our discussions, taking into account income, outgoings, assets and liabilities over time alongside life events. This helps with informed decision-making around the allocation of capital to savings and investments, and seeks to optimise both elements.
ISAs & JISAs
Private Investment Accounts
Private investment accounts, also known as general investment accounts, do not provide a tax-free or tax relievable shelter for income or capital gains tax. They can, however, be tax–efficient – providing an opportunity to use capital gains tax and dividend tax allowances that may not otherwise be utilised elsewhere.
Private investment accounts can be held personally, jointly, or, if suitable, by a company.
Venture Capital Trusts & Enterprise Investment Schemes
Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EIS) and Seed Enterprise Investment Schemes (SEIS) are high-risk investments and are not suitable for most investors. They were introduced by the UK Government to help small companies raise finance by offering a range of tax reliefs to investors who purchase shares in those companies. Income tax relief is available, and in some cases, so too is the option for deferral of capital gains tax, tax-free dividends, and Inheritance tax mitigation through business property relief (BPR).
“They are a unique firm, I like the fact that they invest alongside their clients and that they have all worked for large companies in London but prefer a more friendly approach in beautiful West Berkshire countryside.”
Google Review
“I am so pleased I came across Featherstone. They are so refreshing in comparison to other advisors I have spoken to. They are very professional and have put an excellent financial plan in place for me and my family. I am really enjoying working with them.”
Google Review
“Alex May and his team deliver a first-class service that help me and my family navigate various investment and financial-planning matters. I highly recommend Featherstone Partners to anyone seeking top-tier advice in this sphere.”
Google Review
“In an era when many firms try to claim the title “boutique” or “family office”, Featherstone is genuinely both.”
Spear’s Magazine
“Working with the Featherstone team has been a fantastic experience. The team and staff here truly go above and beyond to make sure their clients feel valued and supported.”
One of Our Clients
“Their CVs were impressive, all having worked for large firms in London and seem to have more about them than the local people I had spoken to before in Hampshire/Berkshire.”
Google Review
“What’s refreshing about this business is that they seem to be taking a new approach to private wealth management – prepared to spend the time and focus on customer service irrespective of the size of your estate, in order to to win trust.”
Google Review
“Refreshingly current in approach and forward thinking in their advice. I was very impressed with the Featherstone team for providing such a high quality and personal service.”
Google Review
“I have been with Featherstone for the past four years and couldn’t be happier. Good advice given from a very knowledgeable and approachable team.”
One of our Clients
“We are featured in the upcoming Spear’s Wealth Managers Index 2024 as a Recommended HNW Wealth Manager”
Spears 500