bryan j hollingsworth

chartered financial planner

guidance, advice, support

Bryan J Hollingsworth ACII DipPFS CeMAP is a member by examination of The Personal Finance Society

Bryan J Hollingsworth is an Appointed Representative of Julian Harris Financial Consultants, which is authorised and regulated by the Financial Conduct Authority

Bryan J Hollingsworth FCA No 152663 - Julian Harris Financial Consultants FCA No 153566

All content on this website is aimed at UK taxpayers or residents of MiFID countries (if applicable).   Decisions should not be taken based solely on the content of this website and individual advice should be sought first.   Regulations, levels and bases of taxation are subject to change.

The firm is not responsible for the content of any external links.

Please be aware that some aspects of Tax Planning, Will Writing, Auto Enrolment and National Savings & Investments are not regulated

by the Financial Conduct Authority.

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tax efficiency

When planning your investment portfolio, it is always worth considering the overall tax position of your holdings.

Tax-free investments can be attractive but these advantages should never encourage you to take a higher degree of investment ‘risk’, or capacity for loss, just to obtain the tax concessions.

flexibility

One can never be absolutely certain what the future brings and changes in your circumstances may mean that your investment holdings need to be altered accordingly.

Governments have a nasty habit of changing the tax rules, sometimes retrospectively, so it is usually sound advice not to construct too rigid an investment portfolio.

asset allocation

It is generally accepted that 80% to 90% of an investment portfolio’s performance comes from the spread of different asset classes rather than selecting a particular fund.

The Financial Conduct Authority’s own research also confirms that past performance of an investment is not automatically a guide to future results.

fund supermarkets and wraps

Keeping your investment portfolio within a fund wrapper can have substantial advantages as the saving in administration and paperwork may allow clients to pursue a more active investment policy, fully utilising any inexpensive fund ‘switching’ facilities.

We can assist our clients with formal reviews and regular asset rebalancing, so that their overall objectives and

investment risk profile, plus capacity for loss, can be maintained or adjusted over time.