Investment solutions

Tailored solutions designed to meet your unique financial goals.

At Crowe Financial Planning, our independence isn't just a label; it's the cornerstone of our investment philosophy. We understand that your financial goals are unique and generic solutions simply won't suffice.

That's why we leverage our complete independence to scour the entire market, meticulously selecting the most appropriate investment solutions tailored to your specific circumstances and aspirations.

We believe in keeping you informed every step of the way. We provide clear and concise explanations of your chosen investment strategies and performance, empowering you to make informed decisions.

Beyond the ordinary:

Unrestricted market access

Our independence grants us access to a vast spectrum of investment opportunities, encompassing a wide range of asset classes and strategies. We're not tied to any particular provider, ensuring that our recommendations are driven solely by your best interests.

Institutional advantage

Leveraging our established relationships and industry expertise, we can often secure investments at institutional rates, a significant advantage that may not be accessible to individual investors. This translates to potential cost savings and enhanced returns for you.

Exclusive opportunities

We have access to investment solutions that are not readily available to the general public. This can provide you with unique opportunities to diversify your portfolio and potentially achieve superior performance.

Personalised portfolio construction

We don't believe in ‘one-size-fits-all’ portfolios and will work closely with you to understand your risk tolerance, time horizon, and financial objectives. This allows us to construct a bespoke portfolio that aligns perfectly with your individual needs.

Ongoing portfolio management

We provide ongoing monitoring and management of your investments, adapting to changing market conditions and ensuring that your portfolio remains aligned with your goals.

Focus on long-term goals

Whilst we monitor and react to market changes, we focus on your long-term goals, to ensure that short-term volatility does not derail your financial plan. Ensuring you remain calm, and invested, through the short-term ups and downs of the market.

Core principle that guides our approach is 'time in the market, not timing the market'

We believe in the power of long-term investing, this means focusing on consistently investing over an extended period rather than attempting to predict short-term market fluctuations. We guide you in developing a long-term investment strategy and provide the support needed to remain steadfast during market volatility.

The challenge of market timing

The power of compounding

Time in the market allows your investments to benefit from the power of compounding. Compounding is the process where earnings generate further earnings, leading to exponential growth over time. The longer your money is invested, the greater the potential for compounding to work its magic.

Avoiding emotional decisions

Market volatility can trigger emotional reactions, leading to impulsive buying or selling decisions. These emotional decisions often result in locking in losses or missing out on potential gains. A long-term perspective helps you stay focused on your goals and avoid reacting to short-term market noise.

Consistent investing

We advocate for a disciplined, consistent approach to investing. Regular contributions, whether through monthly savings plans or periodic investments, allow you to take advantage of market dips and smooth out the effects of volatility.

Long-term growth

History has shown that over the long-term, the stock market has generally trended upward. By staying invested, you increase your chances of capturing this
long-term growth potential.

Portfolio management

Expert advice through strategic partnerships

We believe in leveraging the expertise of specialists to deliver the best possible investment outcomes for our clients. That's why we partner with carefully selected Discretionary Fund Managers (DFMs) to construct and manage your investment portfolios.

Specialised expertise

With deep knowledge and experience in portfolio construction and management, DFMs have dedicated research teams and sophisticated tools to analyse market trends and identify investment opportunities.

Reduced administrative burden

Outsourcing portfolio management allows us to focus on providing personalised financial planning and advice, while the DFM handles the day-to-day management of your investments.

Consistent monitoring and rebalancing

DFMs provide ongoing monitoring of your portfolio and make necessary adjustments to maintain your desired asset allocation and risk profile.

Portfolio solutions to meet your individual needs and preferences

Managed portfolio services

These are pre-built portfolios designed to meet specific risk and return objectives. They offer a cost-effective and efficient way to access professionally managed investments.

Bespoke portfolios

For more complex needs or specific investment preferences, we can work with our partner DFMs to create customised portfolios that are tailored to your unique circumstances.

Active or Passive? We're flexible

Offering both passive and active investment portfolios provides Crowe Financial Planning with greater flexibility to tailor solutions to individual client needs and adapt to varying market conditions.

Adapting to changing market conditions

Active management in volatile markets:

In periods of high market volatility or uncertainty, active managers can use their expertise to identify and capitalise on market inefficiencies. They can adjust portfolio holdings to mitigate risk and potentially generate above-average returns.
Active managers can also avoid potentially risky sectors or individual securities, which is not possible with passive strategies.

Passive management in efficient markets:

In highly efficient markets, where it's difficult to consistently outperform benchmarks (e.g., large-cap U.S. equities), passive strategies can provide broad market exposure at a low cost.
When markets are steadily rising, passive strategies can effectively capture those gains.

Cost considerations

Cost-effectiveness of passive investing:

Passive funds (e.g., index funds, ETFs) typically have lower expense ratios than actively managed funds. This can result in significant cost savings for investors over the long-term.
For clients who prioritise cost efficiency and are comfortable with market-matching returns, passive strategies are an attractive option.

Potential for outperformance with active investing:

While active management comes with higher costs, skilled active managers have the potential to deliver returns that exceed benchmark performance.
For clients seeking to maximise returns and who are willing to pay for professional expertise, active strategies may be appropriate.

Client diversification and customisation

Tailored portfolio construction:

Offering both active and passive options allows our investment partners to create diversified portfolios that align with individual client risk tolerance, investment goals, and time horizons.
A ‘core-satellite’ approach, for example, can combine a core of low-cost passive investments with satellite positions in actively managed funds to pursue specific investment objectives.

Meeting diverse client needs:

Some clients may prefer the simplicity and low cost of passive investing, while others may value the potential for outperformance offered by active management.
Providing both options allows advisors to cater to a wider range of client preferences.

We work closely with our partner DFMs to ensure that your portfolio is managed in a manner that is consistent with your financial plan and objectives. By leveraging their expertise, we can help you achieve your long-term investment goals with confidence.

By partnering with Crowe Financial Planning, you gain access to a wealth of investment expertise and a commitment to your financial wellbeing. Let us help you navigate the complexities of the investment landscape and achieve the financial outcomes you deserve.

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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.

Core

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

Foundation

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

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 in 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.