Investment
With numerous investment products, solutions and opportunities to choose from, it can quickly feel overwhelming and difficult to cut through the proverbial noise. At PFM Associates, we provide tailored, professional investments and savings advice based on our years of experience and your goals, risk tolerance, timescales and financial position.
Proactive, Professional Investment Planning for You
We treat every one of our clients individually, assessing their current financial circumstances and future needs and plans, so we can tailor a bespoke investment strategy for them.
We take the time to understand you, your objectives, priorities and concerns. We then work diligently to construct and manage capital designed to help you achieve your goals in a compliant and tax-efficient way while managing all possible risks. In designing investment portfolios, we take tax efficiency very seriously, accounting for both immediate and future taxation possibilities.
Whether you’re saving for an early retirement, building wealth to pass down to your family, or seeking tangible income from your investments, we create bespoke strategies that align most appropriately with your circumstances.
Investment Advice that Matters
Here are just some of the products we can offer advice and recommendations on:
- Investment bonds
- Guaranteed bonds
- ISAs (Individual Savings Accounts)
- Stocks and shares
- Unit trusts
- Investment trusts
- Venture Capital Trusts (VCTs)
- Offshore investments
What our clients say
Investment Services
- Portfolio management – regular rebalancing to ensure your investments align with your goals and risk tolerance
- Inheritance tax planning – using investments as part of a broader strategy to mitigate tax liabilities
- Diversification – spreading investments across different asset classes, regions and sectors to capture growth opportunities
- Pension investments – optimising the investment potential within your pension to maximise returns and income
- Reviews – conducting regular retrospective reviews to ensure portfolio stability
Whatever your ambitions, we assess your risk tolerance and capacity for loss, ensuring your investment strategy is appropriate for you. We believe in the power in long-term investing, helping you stay disciplined during times when markets are volatile and how your investments can minimise tax drag.
Independent Investment Advice from Chartered Financial Planners in Poole
As independent financial advisers, we have access to ‘whole-of-market’ solutions. We’re not tied to any particular investment house, product or vehicle, giving us the flexibility to choose the best option for your needs. We only recommend investments that meet our high standards of quality, cost-effectiveness, and suitability for you.
We use sophisticated investment platforms and tools to monitor your investments, providing you with clear, regular reporting on performance and progress towards your goals. However, technology is just a tool; our human expertise, knowledge and understanding of your personal circumstances remain at the heart of everything we do.
Speak with one of our Chartered financial planners in Poole, Dorset about creating an investment strategy tailored to you today.
Why work with us?
There are many reasons why over 2,000 people in Dorset, Hampshire and the South have chosen us to help them on their financial journey.
Be advised that the Financial Conduct Authority do not regulate tax or estate planning.
The value of your investments can go down as well as up.
FAQs - Investment
You can start investing with as little as £25 per month through regular savings plans or £500 as a lump sum, depending on the investment platform and products. The key is to start early and invest regularly, regardless of the amount. We’ll recommend appropriate investment minimums based on your goals.
We always base our investment recommendations individual circumstances, risk tolerance, your investment timeline, and financial goals. Diversified portfolios typically include a mix of asset classes such as equities, bonds, and sometimes alternative investments. These might be held through index funds, actively managed funds, ETFs, or individual securities, depending on what’s most suitable for you.
Investment risk management typically involves diversification across asset classes, geographical regions, and sectors, plus regular portfolio rebalancing. We assess your risk tolerance and capacity, then construct portfolios that align with your comfort level while working toward your financial objectives.
Investment taxation depends on the investment wrapper and type of returns. ISAs provide tax-free growth and income, while investments held outside ISAs may be subject to capital gains tax (annual exempt amount £3,000 for 2025/26) and tax from income, dividends or interest. Our professional advice will help you structure investments tax-efficiently using available allowances.
The frequency of your portfolio reviews depends on your personal circumstances and the service level you choose. We generally review portfolios on a quarterly basis to address rebalancing needs and conduct a comprehensive annual review. However, our team will also contact you more frequently if significant market conditions or opportunities arise that affect your investment strategy. This ensures your portfolio is always aligned with your goals, giving you peace of mind.
The value of your investments can go down as well as up, so you could get back less than you invested. Taxation is also subject to change. Please note, the information on this page is for information purposes only and does not constitute advice.
Ready to start your journey?
If you have any questions or would like to organise a no-obligation consultation at our expense, please complete this form.