Smart Financial Investing
Smart investing will help you make money and where possible save you money using tax efficient investments. Cytale partners with Independent Financial Advisors, Money IQ and MTW Financial Management Ltd to allow our clients to access wide ranging financial investment products to meet their individual circumstances.
Whether it is private individual investments or corporate companies seeking to add new or bolt on private wealth management services we can assure you of a high quality service, discreetness and FSA financial compliance.
Cytale does not recommend or advise on any financial products as such but this is left to our partners, The Independent Financial Advisers. They are professionally qualified with many years experience in wealth and financial planning management.
The Individual's Investment Planning
Everyone has a number. It is the amount you need to live the life you want, without fear of running out. Once you know your number, you will be able to see if your plans are on track, or perhaps need attention.
Our financial partners work together on those plans to ensure you stay on track.
Their objectives are to improve and protect your wealth by thorough analysis and education and the use of sophisticated financial planning software. To stay on target, sometimes involves accessing financial services, sometimes other solutions are more appropriate.
Investing can offer an outlet for emotive needs such as Eco or Climate Change Investing, Ethical Investing or Trend Investing. It might be driven by the individuals view of government, social or tax policy. Only sound balanced financial planning advice will help you determine the best way for you to invest. That is sincerely what drives us to bring these financial services to you.
Climate Change Investments
Funds that generally invest in companies in the Clean Technology industries
- Clean Energy
- Water
- Agriculture & Forestry; and
- Generic Climate Change
Ethical Investments
Funds that generally invest in companies that:
- are environmentally responsible
- support diversity in the work place; and
- Have policies that increase product safety and quality
- Companies with interests in armaments, oppressive regimes, nuclear power, gambling, pornography, tobacco and vivisection are generally excluded
In addition, positive screens are often applied, for instance companies with good employee relations records, long-term commitment to the environment and those that produce products and offer services that will be of benefit to the community, are favoured
Property Investment Funds
Funds that generally invest commercial property like offices, shops and industrial buildings (e.g, warehouses) or other property assets.
- Commercial property prices are currently falling as well as rents but the commercial property markets should recover with the passage of time.
Smart Tax Efficient Investments
Grow your money and pay less tax
Overall, these are the Financial Planning services offered to clients:
- Life Planning
- Financial Planning
- Financial Adviser (regulated - MTW)
The process is to identify what are the real personal drivers for the client, then form a plan appropriate to those needs, and only then, and if appropriate, recommend products which plug the gaps and develop the strategy.
Often, financial advice is given piecemeal, looking at financial services and products in isolation. What really matters are your full financial circumstances and whether you have enough money to do what you want to do. Planning oversights mean surprises later in life when it is more difficult to take corrective action.
The Comprehensive Financial Planning programme clarifies your financial future. It creates order, reduces uncertainty and builds confidence.
In reality, financial planning is a means to an end. What is uppermost in our minds is finding out exactly what you want in life, and then working with you to shape an achievable financial plan.
Investments
We have access to about 4000 funds across the world and can source particular investments of a type a client might be interested in such as 'Eco' or 'Tax Efficient Investments'. Investments are all about matching the risk profile of the client to appropriate investment products and ensuring correct allocation and diversity.
Mortgages
Whole of market - any mortgage out there in the UK we can get hold of, and we can help with sourcing overseas.
Insurance
Whole of market - full comparison software enables us to match the right policy and best value to the client.
Pensions
Whole of market, again our software allows us to find the right product for the particular client, whether it be a new pension or improving the performance of a current pension pot.
In other words, we can help you with any financial product and which maybe suitable for your investment needs.
A Low Carbon structure promotes greener company credentials.
European regulations for environmentally sustainable buildings measures the carbon footprint
I'm a 15 per cent Fisher and 85 per cent Benjamin Graham.
The basic ideas of investing are to look at stocks as business, use the market's fluctuations to your advantage, and seek a margin of safety. That's what Ben Graham taught us. A hundred years from now they will still be the cornerstones of investing.
- Warren Buffett
