IFS Financial Management Ltd is an entirely independent firm of financial advisers that can trace its history back to 1986.
We employ only the highest quality advisers and support staff, and we utilise cutting edge IT systems that allow us to deliver a truly active service to clients.
Today 90% of our revenue is generated from ongoing fees paid by existing clients, and it is this that sets us apart from our peers; we have a very secure revenue, which allows us to concentrate on providing a quality service to our existing clients, without the pressure of having to bring in new business.
We have a diverse business of individual and corporate clients, but all can expect the same high levels of service.
At IFS we take an active interest in our clients' affairs, and we monitor the markets to ensure that our portfolios remain suited to their objectives over the longer-term.
Furthermore, rather than being a passive bystander, we consider ourselves to be fiduciary, and thus engage in ongoing dialogue with our clients so that they can ensure that their portfolios are altered as market conditions dictate.
Instead, we undertake thorough research before we recommend any investment, and from the outset we consider the longer-term suitability of our recommendations on a broader level.
Indeed, the underlying investment funds that we hold within our portfolios are merely a tool to deliver the exact asset mix that we require. In short, we believe that, rather than constantly jumping from one star manager to another, it is far more important to alter a portfolio's core asset mix, depending on where we are within the economic cycle - we thus actively advise clients where we feel that changes should be considered.
By forming a clear view as to the relative value of each asset class, and then adapting the asset mix within our portfolios, we ensure that our clients are able to benefit from a more active approach, which sets clearly defined goals, and where risk mitigation is of paramount concern.
We are quite willing to build highly specialised portfolios that fit our clients’ specific objectives, whilst taking due consideration of their tolerance of risk.
However, speaking in more general terms, we adopt a "macro" approach to investment management.
This means that we design investment strategies that, above all else, take into account world events and the general economic climate.
More specifically, we provide ongoing advice so that our clients can adapt their portfolios as we move through the economic cycle.
We primarily focus on replicating the major market indices, such as the FTSE 100, and we then take broader decisions as to which of these indices we want to hold within our portfolios.
The starting point in our investment process is to construct a series of "template" portfolios that enable investors to move up or down the risk/reward scale.
These template portfolios can then be "tweaked" to a more bespoke level for each individual client, which ensures that the portfolio then fits their exact requirements, whilst also paying heed to tax mitigation.
We then make intuitive decisions as to how the asset mix should change over time, which we convey to clients in an easy-to-understand format - this enables clients to consider their options, and to confirm whether they agree to any changes that we propose.
From the outset we establish strict parameters that determine when we will hold any given asset class, whilst due regard is always given to mitigating risks.
We then stick to our agreed targets and avoid getting carried away with the crowds.
We also review our expectations on an ongoing basis, and provide easy to read reports for our clients to consider.
Our "guide to portfolio construction" gives a more detailed explanation of how we pick our funds, and how we then monitor the investment portfolios on a "macro" basis. This document can be found via the link on the left - see "Portfolio Construction".
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