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Personal Investments Planning

Kirk Rice

Personal Investment Planning Services

Investment planning involves balancing objectives, risk, and performance. Individuals looking to grow or manage their investments often benefit from support to make informed decisions and keep pace with changing markets, tax rules, and risk considerations.

Kirk Rice’s professional personal investment planning service can help you:

Understand your attitude to risk
Assess your existing portfolio
Ensure your investments are aligned with your financial goals

Our services include portfolio reviews, risk and capacity for loss assessments, and investment strategy recommendations. Kirk Rice’s independent financial advisers are supported by experienced paraplanners and use research across the whole market. This combined expertise helps ensure your portfolio is aligned with your objectives and reflects current opportunities and risks.

If you’d like support with investment planning, contact info@kirkrice.co.uk

Investment planning from a genuinely independent firm

Effective planning cannot be done without a full understanding of your existing investment portfolio (including property, investments, and savings). Our review will include a full analysis of your existing investments, including a performance and risk assessment.

We’ll first establish your attitude and tolerance to risk. This includes an assessment of your capacity for loss – in other words the level of risk that you can afford to take.

By managing your expectations, we’ll ensure your investment portfolio sits in line with your attitude to risk – highlighting any currently incompatible areas.

Then we’ll scrutinise the details of your existing portfolio, such as tax efficiency, fund choice and availability, charges, and encashment penalties. By doing this, we can make recommendations for improvements.

While we review each investment individually, we take a holistic approach to investment planning. We look at how each asset and product works in the best way towards your objectives – without shouldering unnecessary risk.

Kirk Rice Provides Truly Independent Financial Advice

Our investment team is not restricted to specific products either. Kirk Rice is truly independent, and we research the whole of the market. We can talk through the different options and opportunities available – whether they are suitable, as well as discuss charges objectively.

If required, we can adopt multiple investment objectives. For example, you might need income while wanting to preserve capital. Or you might need to implement a tax efficient wealth distribution strategy. You might even be investing for a specific purpose, such as your children’s education fees, or saving for a house move.

Book a free discovery call

Book a free initial call with one of our team to discuss your requirements.

Book a discovery call

If you have any questions, please get in touch

Tax planning is a key component of great financial advice

Tax planning also plays a big part in our recommendations. We work closely with Kirk Rice’s tax specialists ensuring we are up to date with the best ways to minimise your tax liabilities on any investment income or gain. (Utilising your ISA allowance and capital gains tax allowances, for example).

Our service can be extended to include regular review meetings. During these reviews we will discuss the progress of your investments and lay out our recommendations for any changes. At the same time, we will also consider your changing circumstances and any legislative or tax changes that could have an impact. We provide you with reports that include performance reviews and any recommendations.

Many clients favour our Model Portfolios as an investment solution (if suitable to circumstances). The Kirk Rice Model Portfolios are run by Collidr Asset Management (our chosen Discretionary Fund Manager), and together we hold regular joint Investment Committee meetings where portfolio adjustments may be agreed and implemented on your behalf.

Our investment advisers believe in transparency too. We can tailor the level of re-porting detail down to your specific preferences – from headline performance figures and valuations to detailed reports showing asset allocation (like equities or fixed interest securities), geographical allocation (such as UK, Europe, US) and the individual top 10 holdings in your portfolio.