Charity clients

Personalised solutions and compliance support to Trustees.

In the current economic and investment climate, Trustees of Charitable trusts face the daunting challenge of having to decide where to invest monies in the best interests of the beneficiaries and how to meet ongoing income commitments.

Our specialist team has extensive experience in providing support to Trustees to help them through this potential minefield, ensuring they comply with the Trustee Act 2000, adopt ‘good practice’ as set out by the Charity Commission and can demonstrate a clear process for adopting sound governance.

Crowe Financial Planning UK Limited offers an independent whole of market service which screens investment managers by positive selection to identify those companies that adhere to our selection criteria, which includes the overriding factor of providing an established and dedicated Charities team.

Understanding ‘risk’ and setting realistic objectives are key components of this process as this is a this is a huge burden of responsibility and one that should not be taken lightly.

Managing expectations of sustainable growth

The long-term sustainability of charitable funds depends on managing expectations for both capital returns and income as well as comprehending the risk characteristics of each asset class.

Tailored solutions covering your unique needs

As no two charities are the same and a 'one size fits all' approach doesn't work, we provide bespoke solutions. To assist with this, our team has established connections with several high-pedigree discretionary fund managers.

In some cases, we have found that trustees have too much influence in dictating investment strategies and asset allocations which can inhibit the role of the designated investment manager. How can we help:

Assistance in reviewing or drafting an investment policy Statement

Practical implications relating to the Trustee Act 2000.

Adherence to ‘good practice’ as set out by the Charity Commission.

Agreeing an investment strategy to balance the requirements for capital growth and income.

Determining and understanding an appropriate level of acceptable investment risk.

Establishing investment parameters and exclusions, including any ethical /ESG considerations.

Support in appointing and monitoring the Charity’s Investment Manager.

Bringing accountability and transparency to fees, charges and performance.

Regular face-to-face reviews and ongoing support.

Strong governance and due diligence are extremely important when selecting an investment manager.

Surveys that list the top Charity fund managers are commonly compiled by the total funds held under management which, when taken in isolation, is not a sufficient measure to assess the quality of management, operations and expertise.

Crowe Financial Planning UK Limited assesses a range of criteria which includes:

an established and dedicated team specialising in Charity fund management
level of independence in investment fund selection
clear asset allocation parameters
ability to accommodate investment constraints (e.g. ethical restrictions)
options for performance benchmarking
competitive and transparent fee structures
regular reporting procedures / face-to-face attendance at review meetings
ongoing Trustee support and training.

Over the course of a year, we carry out numerous face-to-face meetings with both existing and potential investment managers to ensure that the selection process receives our continued attention.

Case studies

Financial planning advice on how to best position your investment to generate an income in retirement.

Our case studies below demonstrate how we can work with you, to help secure your financial future, select one of our case studies to find out more.

Foundation

Financial Planning advice for a simplified financial journey to help establish strong foundations for future financial success.

Core

Financial advice for when your planning needs have evolved to encompass increased complexity when establishing your financial strategy.

Premium

Advice for complex, high-net-worth financial circumstances that can require sophisticated solutions to help achieve your financial goals.

Let us know your enquiry and we’ll be in touch.

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Disclaimers

Crowe Financial Planning UK Limited is authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide independent financial advice.

The information set out on this page is for information purposes only and is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. It does not constitute advice to undertake a particular transaction. Appropriate professional advice should be taken on specific issues before any course of action is pursued. Any advice provided by a Crowe Consultant will follow only after consideration of all aspects of our internal advice guidance.

Past performance is not a guide to future performance, nor a reliable indicator of future results or performance. The value of investments, and the income or capital entitlement which may derive from them, if any, may go down as well as up and is not guaranteed; therefore, investors may not get back the amount originally invested.

The Financial Conduct Authority does not regulate Trusts, Tax or Estate Planning.

Please be aware that by clicking onto any links to third party websites you will be leaving the Crowe Financial Planning website. Please note that Crowe Financial Planning is not responsible for the accuracy of the information contained within the linked sites.