Investment and pension specialist Martyn Charlwood on the benefits of working with wealth management experts

PUBLISHED: 10:34 24 November 2014 | UPDATED: 10:34 24 November 2014

Getty Images/iStockphoto

Getty Images/iStockphoto


The big question facing investors who have put aside a substantial amount of money is where to find an experienced organisation to manage it.

At a time of continuing volatility and uncertainty in financial markets there has never been a greater need to seek out quality Wealth Management. Assessing the markets demands time, knowledge, understanding and insight to ensure astute financial investments. Yet putting in place an investment is just the start; from there on in, substantial time is required to review and adjust those investments to reflect changing market conditions. Wealth Management used to be a business for the skilled amateur - that has changed. Many, who have worked hard to create their wealth, simply do not have the time or knowledge necessary to make the most of that wealth. The solution is a firm of investment specialists more usually described as Discretionary Investment Managers.

Discretionary Investment Management is the heartbeat of our business and is increasingly at the top of an investor’s wish list. This service is something only a very few independent financial advisors (IFAs) are eligible to offer. Indeed Charlwood is among less than 2% of IFAs in the UK who have been authorised by the Financial Services Authority to provide Discretionary Investment Management services.

Only IFAs qualified with the expertise, experience and appropriately robust investment processes in place are authorised to offer this service. The benefits of Discretionary Investment Management permit us to add greater value to our clients’ investment arrangements. Primarily this is as a result of being able to react more rapidly to changes in financial markets as opportunities present themselves.

In effect the Discretionary Investment Manager is highly specialised and qualified with the expertise to read market fluctuations and the confidence to make in-depth decisions about investment placement. They work for the benefit of the client to maximise growth and income in the portfolio, but at the same time try to protect the fund against falling markets. It is a service that offers massive time-savings for the client and can make the most of market opportunities as they arise. A Discretionary Investment Manager relieves investors of the complex and time consuming responsibilities of looking after their investments, and in turn provides peace of mind from knowing that behind the scenes a highly qualified team are monitoring, protecting and enhancing their capital investments for the future.

In today’s uncertain world you need to ensure your investments are in safe hands.

Top Tips for Savvy Investors

• Always seek advice from an Independent Financial Adviser

• Select an Adviser experienced and qualified to maximise returns and add value, not just a cost

• Seek a transparent and competitive charging structure

• Remember! ‘Good advice is a great investment’

About Martyn Charlwood

Martyn is the managing director of Charlwood IFA, one of the region’s most respected and astute Wealth Managers who look after those with investible assets of £250,000 plus. Contact Charlwood IFA on 01202 768512 or visit


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