What our clients say
“My wife and I are delighted with the advice and support we have received from Efficient Portfolio. For the first time, in our experience, we have enjoyed independent financial advice which is exactly that; advice that put us, the clients, at the centre of their planning procedures.
An example of the care and attention Efficient Portfolio took with our personal situation resulted in a substantial cash gain from a high street bank. An investment I had made years ago had gone badly wrong. Efficient Portfolio looked closely at all of the details and suggest that, in relation to our risk profile, we had been mis-sold and that in this situation it was worth considering a letter of complaint. Efficient Portfolio provided excellent support in composing an objective and critical complaint. The result; the banks investigation found in our favour- our losses made good.”
“During my working life, it was a challenge to find good investments for my relatively small savings and it taught me that there are many people who know the stock market and where to invest better than I could ever hope to. Also, there were many out there who would manage my funds to their best advantage and not necessarily mine.
As retirement approached, it was clear that like many working men, most of my pension would be tied up in straightforward company pension arrangements and that the challenge for me was going to be the investment of the various lump sums and ISA savings to provide the extra income over-and-above the regular pension payments. So, I set about finding a source of holistic advice that I could trust and that it would be appropriate for me and my family. I was also keen to find a local expert that was readily available rather than travel or communicate by post. The sales brochures and seminars kept on coming in. In the end, I selected Charlie because I believed Efficient Portfolios methods would see my funds in a portfolio of quality investments where not only the performance of investment was managed and changed when necessary, but also the risk profile of the portfolio was maintained by regular re-balancing. I bought into this idea and have been very pleased with the results achieved through the Skandia investment platform. The recent change to Wealthtime managing the investment maintains these controls with the added advantage of the Wealthtime proactive approach, recommended by Charlie, which should add to the growth in value of the portfolio.
It was important too that IHT (Inheritance Tax) should be considered as part of the overall approach to financial planning. Charlies knowledge of appropriate arrangements to minimise IHT made good sense and, as a result, trust arrangements have been put in place that will keep it to a minimum.
What is very satisfying and provides increasing confidence in Efficient Portfolio methods is the regular review of performance that should ensure the best ongoing results
I am aware that the service offered by Charlie is expanding through their London office and, while this is not of great interest to me, it does indicate the feeling that I have always had that Efficient Portfolio provides a City standard of service from a local office.”
“Charlie has been providing us with professional financial advice for over ten years. He has made complex and often confusing options easy to understand and has supported us to make the right decisions for us and our family as our circumstances change over time. I wouldnt hesitate to recommend Charlie to others and have already done so with many favourable comments.”
“Charlie has looked after my retirement planning and personal insurance for the last 7 years. Working in an industry where the bulk of my employment is based on short term contracts, its very unlikely that Ill ever receive a company pension or paid sick leave so it has proved very reassuring knowing that I am protected both later in life and also should the unthinkable happen.
Probably like a lot of people who work in creative industries I have an inherent fear and ignorance of anything involving financial management and I have at best a fairly loose understanding of the tax implications involved, so the advice of Charlie and his team has been invaluable. They simplify the situation without being patronising and explain all the options to me fully before recommending what they believe is the best course of action. I also like the fact that the fees are fixed for the service being provided and so there is no suspicion that they are incentivised to try and sell me a particular product to improve their commission.
Finally, they are very nice people; my father passed away fairly recently and in the light of this I asked Charlie and his team to help my mum deal efficiently with the changes to her financial circumstances. Having clearly been misled in the past by independent advisers on the high street, she was delighted with the service she received and she was most of all impressed by how lovely and patient the team were when explaining everything to her.
I wouldnt hesitate in recommending Charlie and his team to anyone seeking sound, independent advice on their future financial planning from knowledgeable, nice people.”
“I was thoroughly impressed with every aspect of the service you offer. From the initial meeting it was clear that this was an organisation that listened carefully to what was required first and then put those thoughts into something individually tailored and appropriate. I have every confidence in your expertise and had no doubts at all that everything would be managed in a totally professional way. It was suggested to me by my solicitor that I might want to contact another organisation as well but there was no need as you met all the requirements which I did not think could be bettered. I am sure that there would also have been enough contact with me when necessary but not too much either. It is very off-putting to be pressurised but my experience was quite the opposite. We were made to feel very welcome when we arrived which also made a positive beginning.”
At Efficient Portfolio, we believe in helping people clarify and realise their dreams and goals through financial planning. We do this by taking you through a unique process that allows you to get a better understanding about us, of what you want to achieve in the future and what concerns you have about the present. We can then build your financial planning to help deliver exactly this.
We are the only Chartered Financial Planning firm in Rutland and pride ourselves on being able to provide you with a planning service built on honesty, professionalism and integrity.
Based in Rutland, and with an office in London, Efficient Portfolio specialises in investment, retirement and tax planning, whilst providing an integrated financial planning solution that covers all areas of the financial world. A substantial part of our work is in helping people plan for their retirement by maximising their income and minimising tax paid.
We also help our clients maximise what they have already built up in their pensions and in other investments by providing them with simple yet cost and tax effective solutions that really can make a difference to your future.
You should blossom in retirement. It should be a time of happiness, adventures and enjoying the fruits of your labour. Sadly, this often isn't the case. So we want to start a retirement revolution and make your later years your best years!