Independent Investment Management · Bath

Investment management, genuinely independent.

A clear strategy aligned with your goals, your timeframe, and what you can live with when markets move. Whole-of-market, evidence-based, and free of any product I’m paid to push. No stock tips, no fads.

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products I’m tied to. Independent means no house fund to favour and no commission steering the answer — only the evidence in front of you.
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Independence isn’t a label. It’s the freedom to recommend the right thing — because there’s no house fund to favour, and no commission tilting the answer.

See it for yourself

Watch compounding do the work.

The same force that makes costs matter is the one that builds wealth over time: compounding. Have a play with the numbers.

i. · What this includes

Six parts of managing money well.

The categories are how the regulator sees it. The plan is how you’ll experience it.

i.

Attitude to risk & capacity for loss

Profiling not just what risk you’ll tolerate, but how much you can afford to take, before a penny is invested.

ii.

Strategic asset allocation

The mix of assets that does most of the work, set to your goals and timeframe rather than last year’s winners.

iii.

Whole-of-market fund selection

Active where it earns its keep, passive where it doesn’t. No house funds, no favourites, no commission steering the choice.

iv.

Tax-efficient wrappers

ISA, GIA, SIPP and bond structure, so the same returns are taxed as lightly as the rules allow.

v.

Rebalancing & tax-loss harvesting

Keeping the portfolio on its target, and using losses where they genuinely reduce your tax.

vi.

Quarterly reporting

Clear, regular reporting, so you always know what you hold, why you hold it, and what it’s costing you.

ii. · Who this is for

If any of these is you, it’s worth a look.

—Anyone with investible assets to put to work
—Inheritors of a lump sum needing structure
—Cash savers who know inflation is the slow leak
—Self-directed investors who’d rather hand it over
—Clients coordinating workplace pensions and SIPPs
—Anyone tired of being sold a product rather than advised
iii. · My approach

Independence, where it actually counts.

Being independent doesn’t mean pretending to beat the market by picking stocks. It means I’m free to choose the right way to run your money, with no house fund to favour.

For most clients that’s low-cost, globally diversified, evidence-based portfolios, managed day-to-day by a specialist discretionary partner.

My fee buys advice and ongoing planning, not stock-picking I can’t do better than the market. The independence shows up in what I recommend — and in what I refuse to sell you.

— Andrew

iv. · Common questions

Investing, in plain English.

It means whole-of-market: I can recommend any provider or fund, I’m not tied to one company’s products, and I’m not paid commission to favour one over another. The recommendation is whatever the evidence points to. A restricted adviser can only offer from a limited list; I’m not restricted.
For most clients, day-to-day management sits with a specialist discretionary partner running low-cost, globally diversified, evidence-based portfolios. That frees me to focus on the planning around your money — the strategy, the wrappers, the behaviour — rather than chasing the market.
No, and I’d be wary of anyone who promised to. The evidence says low-cost, diversified, disciplined investing wins over time. My job is to get the strategy, the wrappers and your behaviour right, not to pick next year’s winner.
As a guide, the planning works best for those with combined investible assets, including pensions, of around £50,000 or more. Below that, the free Foundations course may be the better starting point for now.
Costs are explained clearly and in writing before you commit, with no hidden commission. Investment costs matter because they compound over time — so keeping them sensible is part of the job, not an afterthought.

This page is general educational information about investing. It is not personal financial advice and does not take account of your individual circumstances.

Risk warnings. The value of investments and any income from them can fall as well as rise. You may get back less than you invest. Past performance is not a guide to future performance. Tax treatment depends on individual circumstances and may change.

Andrew Daw is an Appointed Representative of Saltus Wealth Partnership Limited (FCA FRN 449607), trading as Duchy IFA. For UK residents only.

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Begin with a conversation.

A complimentary 30 minutes, by phone, video or in person. We’ll talk about your goals, your timeframe, and how independent, evidence-based investing could work for you. No obligation, no pitch.

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