Welcome, my name is Matthew Tumbridge

I am an Independent Financial Adviser specialising in pensions and investments.

If you are a higher earner, you may feel that pensions are not viable for you due to the reduced tax relief.

I have helped several high earning clients develop a strategy to save and invest in order to fund their long-term future.

Sometimes this means investing in a totally different way, quite often it means a mix of pension and investments.

It all depends on your circumstances, but some of the things that can be looked at:

• Maximising your entire household's ISA allowances
• Investing in offshore bonds
• If you are a business owner, sometimes you can vary your dividends and utilise pensions every other year
• Some pension funds can be asked to pay your annual allowance tax bill
• Consolidating older pensions and putting them in investments you control to maximise growth

My investment portfolios for high earners are designed to:

• Meet your goals and risk profile
• Optimise your tax position, especially with regards the annual allowance and tapered pension tax relief
• Achieve the maximum equity market returns
  • Over the last 10 years, this has meant investment growth of over 16% annually
  • Some of our portfolios have achieved up to 20% annually
• Protect your capital in downturns
  • Careful equity and bond fund selection is key
• Be easy to understand

What my customers say...

Why do you need a professionally designed portfolio?

Average investors only achieve 8.7% returns according to J.P. Morgan, this is 8% per year less than has been possible EVERY year over the last 10 years.

£200,000 invested in an ISA 10 years ago, achieving maximum market return would be worth £1,039,963. That's £839,000 growth.

Detailed investment advice - and a personalised portfolio plan:

What does the investment advice look at?

The advice will assess the pros and cons, to reach a recommendation that covers these issues:

• Your goals and circumstances
• Tax allowances
• Pension or ISA? Or a General Investment Account?
• Optimising potential growth
• Protecting capital

Defaqto research of thousands of investment funds will then be completed to build your portfolio.

What happens after you present the plan?

If you choose to, we can offer a full implementation service which includes:

• Opening the required accounts
• Purchase of the recommended investments
• Annual review meeting
• Rebalancing of investments each year
• Being available to you throughout the year as your financial adviser

Accreditations