Call us on 01202 622223 for a no obligation consultation
Call us on 01202 622223 for a no obligation consultation

INDEPENDENT FINANCIAL ADVICE IN DORSET

Apex CB Financial Planning is an Independent Financial Adviser based in Poole, Dorset.

We have a highly experienced team providing holistic financial planning and Wealth Management services in Poole and Bournemouth, and Dorset and South Hampshire.

We always act with trust and integrity, and our independent status means that we have access to the full range of regulated financial products and services, so you can be assured that we will always put your interests first when looking after your money.

To find out how we could help you please call on 01202 622223 or complete our contact form to request an appointment – free of charge and with no obligation.

Savings & investments

Savings & investments

Whether you want to find the best ways to make your savings grow or if you’re planning for your retirement, we provide specialist advice and a ‘whole of market’ approach to help you to select the most suitable products.

Tax planning

Tax planning

At Apex CB Financial Planning we can help you to develop a tax-efficient savings and investment strategy.

Insurance & mortgages

Insurance & mortgages

We can help you to find the right insurance products for your needs, so you'll be fully covered if the worst were to happen.

For new residential lending and re-mortgages, buy-to-let, commercial lending and equity release, talk to our mortgage specialists.

Corporate services

Corporate services

Corporate financial planning services that add real value to your business, whether protecting it from unexpected events, tax efficient strategies for investing surplus profit, or advice on maximising the revenue from business exit strategies, sales or acquisitions.

HM Armed Forces

HM Armed Forces

At Apex CB Financial Planning we understand service life and the issues and challenges that you face. We have helped many serving and retired members of HM forces to plan for their financial future, including Royal Marines, SBS, Army and RAF personnel. Confidentially is our strength.

Invest online

Invest online

Managing your ISA couldn’t be easier than with the Apex CB ISA Portal, which allows you to manage your investments at the touch of a button.

latest news

Keeping you up to date with the latest from Apex CB and financial news that may affect you.

Chris discusses financial services for all and ESG investing

4th March 2019

chris_ryan_Apex_CB_financial_adviser

 

 In the Peer’s Dining Room, I had the chance to speak to Michael Tomlinson MP about the challenges of making financial services available for all. The increase in fees caused directly by regulatory work is an unintended consequence of the financial protection the public enjoys. Furthermore with only 25,000 authorised financial advisers in the UK many people cannot affordably access financial advice. I was grateful to Michael for giving up time from his busy day, and we were all relieved not to be speaking about Brexit!

Michael_Tomlinson_MP

Michael’s professional tour guide, Will, then showed me around Westminster Palace. So many events that have shaped our nation have taken place in the Palace of Westminster. I stood on the spot where John Bellingham shot and killed Prime Minister Spencer Perceval in 1812. We also took in Westminster Hall where in January 1649 parliament tried and condemned to death King Charles I. In the 20th century Winston Churchill, King George VI and Queen Elizabeth the Queen Mother lay in state there. It is truly walking through the history of our nation, and Will’s enthusiasm made it even more interesting. I concluded the visit by listening to MP’s debate the challenges of achieving a “net zero carbon” economy and it’s clear that the will-power is there to achieve such an ambitious goal.

Sustainable or Impact Investing

I have been researching sustainable or “impact” investing, also known as ESG, for around 9 months. This style of investing recognises that successful businesses of the future will have a positive impact on the world. Companies can create positive changes in our world by putting talent before gender or race, avoiding involvement in controversial products, and reducing harm to the environment . In the past we used ethical funds to screen out the worst-behaving companies. Sustainable investing goes further by selecting businesses that adopt positive business practices. We all know about the demise of Blockbuster who missed the chance to buy Netflix as a startup! We want our clients’ to invest in companies that can survive in a future where resources are tighter and regulation is stronger than now.

Investing ethically no longer means having to accept more capital volatility. Today the landscape has totally changed, with a much wider pool of shares and funds.  Morgan Stanley surveyed asset owners and found that 70% are integrating sustainable investing into their process. It is now seen as a way to manage risk and returns, and over $22.8 trillion is invested sustainably. Another example is the Japanese Government Pension Investment Fund with $1.3 trillion of assets. It is increasing the ESG allocation of its shares from 3% to 10%. Meanwhile, New York City plans to remove $189 billion of public pension funds from fossil fuels over the next 5 years.

Our aim is to start with around 10% of our clients’ money invested in ESG funds and build up to 30% over the next 5 years. Your choices are limited currently but we expect more funds to adopt ESG criteria in the near future.

LGT Vestra Wealth launch Sustainable Managed Portfolios

Prince_Max_Phoebe_Stone_Chris_RyanAt the close of the day I attended the official launch of LGT Vestra Wealth’s Sustainable Impact portfolios at Covent Garden. The venue chosen was Petersham Nursery because all their products are from sustainable sources, including their staff uniforms. Phoebe Stone, lead fund manager, opened the proceedings to introduce the funds. Then Prince Max of Liechtenstein spoke enthusiastically about how LGT’s ethical approach has driven positive change within the business. I had the chance to speak with the fund managers and princely family to learn about the latest developments. On a previous occasion we visited LGT’s head office in London to undertake detailed due diligence on their investment process.

We are all stakeholders in our world, and in our view have duty of care to our children to leave them a planet fit to support their lives. Investment management firms around the world control trillions of pounds of wealth. Our world could change for the better if these managers are willing to invest using ESG principles

You can read more about our investment proposition here.

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Pension cold-calls banned

10th January 2019

Since 9th January 2019, companies are banned from making unsolicited cold calls to sell pension advice. Potential fines of £500,000 will be levied on persistent offenders.

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Apex's Liz Murley is working with the Equity Release Council

3rd December 2018

Apex's Liz Murley has been asked to join an important project by the Equity Release Council (ERC) which will benefit our clients in Poole and across the region.

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