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Chartered Financial Planners

Chartered Financial Planners - Independent

Tel: 01332 416585

Chartered Financial Planners

Chartered Financial Planners - Independent

Tel: 01332 416585

Investing Advice and Wealth Management

The basic investment choice is between the following asset classes:

  • Cash deposits in banks and building societies.
  • Fixed interest securities – effectively loans to the government or businesses
  • Property – commercial or residential (very different from each other)
  • Equities – shares in companies listed on stock exchanges

These are the building blocks of investment portfolios. Your risk profile – how much risk you can and should be prepared to take on – will help determine the appropriate mix of these basic components in your portfolio, usually called the asset allocation.

At Alpha IFS we have a comprehensive investment planning process in place.

1. Fact Finding & Setting Objective

  • Analyse Assets and Liabilities
  • Analyse Income and Expenditure
  • Agree upon future goals and income or capital requirements.
  • Establish any Specific Requirements – Ethical / Social

2. Attitude to Risk & Asset Allocation

  • Complete a risk profiler questionnaire by Distribution Technology
  • Discussion on the volatility of different investment assets
  • Analyse the relationship between risk and reward

3. Select Suitable Tax Trapper

  • Pension / ISA / OEIC / UT / Bond / EIS / VCT / Structured Product
  • Investment Fund Selection

4. Portfolio Creation

  • Fund selection using OBSR’s analyst rating system

5. Review Process

  • Rebalance assets to fit allocation model to maintain expected return
  • Regular face to face reviews

Why Use Alpha IFS Ltd to manage your investments

The directors Pete Cassar and Ginny Kooner are both members of the Chartered Insurance Institute. They have worked together since 2004. Both are highly qualified, both are Chartered Financial Planners and Ginny also holds the Pension Transfer qualification specified by the FCA to deal with Defined Benefit Transfers.

What our customers say


I run a successful company and turned to Pete for our pensions auto enrolment. This was completed on time and in budget. As a result he now manages my SIPP. He explained pensions in a simple way to staff and. We meet twice a year or as required to do my review.


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