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

At Apex CB Financial Planning we’ve been helping our clients to manage their investments for more than 15 years. We built our investment process to minimise risk and maximise returns by putting you, the investor, at the heart.

Understanding your goals

The first step in our investment process is taking the time to understand what you need and what you are trying to achieve we can select products and services that are right for you. We consider your assets, debts, income and expenditure. Then, we look at how these might change in the future.

Risk assessment

The next step is to consider your investment experience and how much risk you are willing to undertake. This forms the basis of recommending suitable investments. We don’t put novice investors into complex financial products.

Choosing the right tax wrapper

We hold your money in investments that save you tax both now and in the future. For example, Unit trusts and other collective funds can be held in a range of tax free wrappers like Bonds and ISAs. Reducing tax is the first step in getting a better return.

We understand and recommend the full range of tax wrappers to ensure that your money is working as efficiently as possible.

We don’t select funds

With over 10,000 UK funds and 55,000 global mutual funds to choose from, the choice is overwhelming. No single investment house has a monopoly of skills and many fund managers fail to deliver consistently good performance.

In our experience IFAs are not fund managers, and should not try to be fund pickers. There are too many choices and information moves too quickly. We have visited portfolio managers and found that they are backed by huge research teams. Few IFAs have the resources to do this. So, we decided to use a range of Portfolio Services that invest in a diversified range of funds from across the world. The aim is to add an extra layer of diversification using fund managers who have proven experience in a particular area.

It is also vital that changes in the market or the fund do not change the risk profile. You don’t want to see your cautious fund become more risky over time. For this reason we only choose funds that have a stated objective of controlling the risk at a specific level that we can maintain your risk profile.

Using a wealth platform

The majority of your investments are placed on our Wealth Platform. The word ‘platform’ is used to describe a place where a variety of different investment related processes and activities can be conveniently carried out, using the latest technology.  Watch the short video below to find out more about how our Wealth Platform can benefit you:

Larger investments

For larger investments (typically £250,000 or more), or for those requiring a bespoke service, we recommend bespoke portfolio services. We work with a range of managers who can build portfolios to your individual requirements. They will typically include direct holdings of shares and Gilts to keep the cost down, as well as collective funds.

Whichever option is right for you we will always offer you the option to keep your investments under regular review.

Find out more by clicking the links above, call 01202 622223 or contact us using our online enquiry form.

Saving & retirement services


Tax-free savings

In conjunction with True Potential, Apex CB Financial Planning is able to offer some truly innovative, technology-led savings options. impulseSave® is a first-of-its-kind technology that helps you add money to your investments in an instant. We believe that impulseSave® can change your habits and the way you invest your money for the better. read more

Pensions & retirement planning

Retirement planning is about making sure that you have enough money to live on when you retire. But it goes further than that – most people want to live and not just survive, so building a retirement fund should be one of life’s major goals. At Apex CB Financial Planning we offer specialist retirement planning advice. read more

Pension Transfers

For some, transferring a Defined Benefits pension scheme into a personal pension can be the best way to stay in control of your pension benefits, and secure the best deal for you and your family. read more

Sustainable investing

Sustainable Investing for a Better World

Helping clients with successful and sustainable investing and wealth management is what we do. We have a strong belief that successful investing requires a sustainable approach. This is not only good for our world, but leads to better long-term growth of your capital. Research shows that sustainable investing leads to better growth. Companies that meet strict environmental controls are more profitable and more likely to survive. So, we encourage our clients to invest in strategies that have positive impacts on Environmental factors, Social Responsibility and strong corporate Governance (known as ESG or Impact Investing).

Impact investing seeks to generate social impact alongside financial return

This investment often brings together capital and expertise from the public, private and not-for-profit sectors to achieve a social objective. You can make investments into companies, organisations or funds, whether they be not-for-profit or for-profit.

You can also make Social impact investments to finance social services and social infrastructure. In these types of arrangements, payments are normally made based on achieving agreed social outcomes rather than on inputs or activities.

Social impact investing seeks to generate social impact alongside (not instead of) an acceptable rate of financial return for the individual investor.

Impact investing in the long term

A remarkable transformation is underway, reflecting an increasing awareness among businesses of the need to create a more sustainable world. This approach is recognises that investing towards this goal can enhance, not detract from, long-term portfolio returns. This is a significant opportunity for change, irrespective of the political forces that often seem to work in opposition to these interests.

Impact investing encourages a forward-looking view of where the world is heading, with investors essentially buying tomorrow’s leading companies today. It is taking a truly long-term approach to investing.

This focus on long-term value creation requires sustainable business models. Forward-looking companies are aiming to reduce their environmental footprint, reduce their fuel, energy and water consumption and create less waste. Similarly, a company that treats the workforce well improves long-term profitability, while badly-governed companies destroy value. This in turn leads to better growth and profitability.

Today’s consumers increasingly demand that companies act to preserve the environment and combat social problems. The UN Sustainable Development Goals, linked to the most important sustainability challenges that humanity faces, show that firms must therefore work harder than ever before.

In a challenging world, the way companies manage their impacts is integral to how they manage risk. Ultimately, this affects how they make strategic decisions.

The positive impact cycle encompassing a long term vision, sharing value, and investing for future growth leads to long-term value

Our sustainable investment partners

We give you peace of mind to get on with your life without worrying about where your money is invested. We know no-one has a monopoly on talent, so we work with some of the U.K.’s leading managers:

Our reputation as a wealth management company has been built over 240 years thanks to exemplary personal service and our drive to build and preserve the wealth of clients.
Image result for legal & general investment management
Legal & General Investment Management is one of the UK’s largest asset manager, offering investment services across the broad spectrum of asset classes.
LGT Vestra is a partnership between the executive partners and the private banking group LGT, owned by the Princely Family of Liechtenstein. When we set up LGT Vestra in 2008, our aim was to offer a fresh approach to wealth management. 

Whether you are looking for more income, or just seeking better growth, please call on 01202 622223. Alternatively, complete our contact form to request an appointment – free of charge and with no obligation.

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