Truly independent financial advice

Investment Planning

Our investment strategy is based on understanding your needs and providing flexible investment options to help you to meet your financial goals.

Investing can offer you a good opportunity of growing your money over the longer term. A long-term approach to investing is generally accepted as being likely to provide the most benefit. Whether you start paying in to a personal pension, invest in an ISA or invest on behalf of your children, the earlier you start the better.

Both saving and investing can be used to meet both short and long-term financial needs. Short-term needs may include saving for a car or a holiday, whereas long-term investment needs could be saving for retirement, school fees or providing capital for children as they grow up.

A financial adviser can offer expertise and objectivity when choosing to save and invest wisely; helping you find the most appropriate solution for your current circumstances. It is always good to take the effort to ensure you are as informed as possible.




Investment Strategy

Your investments will be diversified across a range of assets to ensure we maximise any opportunities, while managing risks in line with your requirements.

The various assets owned by an investor are called a portfolio. As a general rule, spreading your money between the different types of asset classes helps lower the risk of your overall portfolio underperforming.

Planning investments takes time. This is where we can help, both in advising you on your investment needs and your portfolio.

Please contact us so that we may assist you in determining an investment strategy most appropriate for your needs and circumstances.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.




Planning your future - a diverse portfolio that includes ISAs

Individual Savings Accounts (ISAs)

You can save tax-free with Individual Savings Accounts (ISAs).

In the 2019 to 2020 tax year, the maximum you can save in ISAs is £20,000

There are a number of different types of ISAs, shown below:

  • Cash ISAs (including Help to Buy ISAs)
  • Stocks and Shares ISAs
  • Innovative Finance ISAs
  • Lifetime ISAs

Each tax year you can put money into one of each of the above kinds of ISAs if required. The tax year runs from 6 April to 5 April.

You can save up to £20,000 in one type of account or split the allowance across 2 or 3 types (be aware that the Help to Buy and Lifetime ISA have their own lower subscription limits within the overall £20,000 limit).




Planning your future - a diverse portfolio that includes ISAs

Junior ISA or “JISA” (under 18s)

This is a separate ISA for under 18s who don't hold a Child Trust Fund (CTF). A child with a CTF may choose a JISA instead if they first transfer their CTF funds to a JISA and close the CTF. The maximum subscription in 2019/20 is £4,368 (CTF or JISA).




ISA

Investment Trusts

An investment trust is a company that raises money by selling shares to investors and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments.




The value of investments and income from them may go down. You may not get back the original amount invested.





Kennet Financial Services

Our aim is to offer clients Financial Peace of Mind and Real Value for Money

About us

Independednt Financial Advisers (IFAs) based in Devizes, Wiltshire

Our philosophy is simply to guide our clients through the various stages in their lives where expert financial guidance is required from an experienced and trustworthy adviser.

Our aim is to help our clients achieve their financial objectives in a tax efficient and easily maintained manner with clear, uncomplicated solutions.

The reward is being able to work at achieving a long and happy association with clients where trust and transparency are paramount in the relationship.

Advisers David Kinch and Ben Trow have many years experience working with Individuals and Businesses and have built a reputation based on trust and the ability to explain what can be complicated subjects in easy to understand ways both face to face and in writing.

We use our experience to cut through the jargon unfortunately plaguing our Industry to provide options and solutions tailored to your needs.


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We serve people best who:

  • have little time and/or expertise to manage their financial affairs
  • are seeking expert financial advice and/or investment review
  • want help to formulate and maintain a clear financial plan and strategy to make the most of their hard earned money
  • need a “sounding board”
  • want the discipline of a regular review of their finances
  • are seeking a sense of control, peace of mind and financial freedom
  • regard service and a trusted relationship as key to working with advisers of any sort

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Our Specialist Areas

The Financial Services Authority does not regulate Taxation & Trust advice or Will writing.

Kennet Financial Services provides services like financial planning and financial advice, tax, personal pension advice as well as business advice. We also provide many other types of advice and private investing in Devizes, Wiltshire.

We offer a comprehensive financial planning service to include tax planning opportunities. We also provide a bespoke investment management service with an emphasis on strategic asset allocation.



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