Walker Crips offers a wide range of services where you can choose your level of involvement in managing your investments. You can make all the investment decisions yourself and simply instruct us when you are ready to do so, you can access our expert advice before making your investment decisions, or you can entrust our investment team to make the investment decisions in accordance with your investment aims and risk appetite.
Your investment manager actively manages your portfolio on your behalf, working towards your agreed aims and risk appetite.
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Your investment manager follows an agreed brief, consulting you and recommending investment ideas to you, and you make the final decision.
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You make all the investment decisions, and you have access to your investment manager, to seek investment advice when needed.
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What is a discretionary service?
Through our discretionary service, we will manage your portfolio on your behalf, controlling the day-to-day decisions with expertise and care as we strive to achieve your investment aims. Our attention is focused on your objectives, taking account of your risk appetite and responding to changing events and market shifts as they occur. You do not have to make investment decisions on your portfolio because your investment manager will do it for you.
We are able to offer our discretionary services as either bespoke or model portfolios. When constructing your bespoke portfolio, we determine the best possible strategy that in our opinion can achieve your investment aims taking into consideration any preferences or restrictions you might have. Our model portfolios offer an efficient way to access a personal service where we match your financial objectives and tolerance for risk to our ready-to-invest offerings. Our investment managers have access to our own internal resources, as well as external market research and analysis. The Walker Crips Investment Senate provides guidance to all investment managers and advisers, especially in the area of macroeconomic, market and sector risks, and the weekly Patricians meetings provide a forum for the communication and exchange of investment ideas.
Why use a discretionary service?
You wish to invest in financial instruments but you are a busy individual and you do not have sufficient time to monitor financial markets. Or, you wish to invest in financial instruments but you would rather entrust the management of your investments to an investment manager. You can view your portfolio via the Client Portal at any time, and we also produce quarterly Client Packs that report on the performance of your portfolio regularly. We review with you your aims and your risk tolerance annually or sooner if your circumstances change, making sure that our approach is still suitable to your requirements. You should notify your investment manager when there are material changes to your circumstances.
Our model portfolio service
Our Service First model portfolio service consists of considered investments at reasonable price points, offering clients ready-to-invest portfolios combined with a personalised service. With the Service First Model Portfolio Service, we take care of the day to day management of your portfolio; allowing you to focus on life’s other priorities.
Before placing you in a Service First model portfolio, we work with you to identify your risk preference; taking into account your current financial position, your reasons for investing, and your financial goals. Service First supplies model portfolio offerings for those with a low risk preference, low to medium risk preference, medium risk preference, medium to high risk preference, and high risk preference. We review the assets allocated to our ready-to-invest portfolios every quarter; rebalancing as necessary to ensure the portfolios remain relevant, and within the appropriate levels of risk.
Our Service First ready-to-invest portfolios are comprised of all major asset classes (cash, fixed interest, property, UK and global equities), and include investment trusts managed by reputable firms. We carefully select assets from market landscapes to create complimentary clusters, resulting in well diversified portfolios.
What is an advisory managed service?
Through our advisory managed service, we will monitor your portfolio and before making the decision to trade in financial instruments, your investment manager will consult you with recommendations, and you will make the final decision. You control your portfolio, but you also have an investment manager, helping you with your investment decisions.
Why use an advisory managed service?
You wish to have an investment professional to oversee your account, but you also wish to retain control over the account and you would prefer to make the final investment decisions yourself.
What is an advisory dealing service?
In an advisory dealing service, we will provide you with advice on individual investments as and when you wish to receive it, but we do not actively monitor your portfolio. We consider the suitability of an investment in light of your investment objectives and risk preferences at the time of giving the advice. We do not actively and continually monitor the suitability of your portfolio as a whole, nor manage your overall risk exposure; the responsibility for which remains with you.
Why use an advisory dealing service?
You are familiar with investing in financial instruments and you will make all your own investment decisions. However, you also wish to have an investment manager to discuss your investment ideas and to have an investment manager to place your investment orders.
For those leaving behind inheritance, the forty percent tax* on all assets above the HMRC threshold can seem a burden. Our IHT Relief Portfolio has been designed for individuals with the concern that Inheritance Tax may negatively impact the future generations of their family.
The UK government has introduced many tax benefits to encourage investment. However the question at the forefront of investing for the purpose of Inheritance Tax mitigation remains, what if the tax rules change in the future?
Only by devoting the time to careful and consistent analysis can a profitable and suitable IHT portfolio be developed. At Walker Crips, the investment management team strongly believes that avoidance in overpaying for stock is the first and foremost step towards increasing the chances of long-term returns.
Next steps for you
If you would like to learn more about how we can help you invest in the potential of AIM listed companies, please call your contact at Walker Crips or contact the IHT Relief team on 01904 544 326 or [email protected].
IHT Relief Portfolio brochure
IHT Relief Portfolio factsheet
* Tax rates and legislation may change in the future. Your inheritance allowance and the value of any tax reliefs are subject to personal circumstances. Please seek independent tax advice before investing.
Director, Private Clients
Chris is the Director of the Private Client Department and specialises in bespoke portfolio management. He manages portfolios on behalf of a wide array of client types including individuals, SIPPs, trusts and charities. Chris is responsible for constructing portfolios in accordance with clients’ investment objectives and risk tolerance. Chris graduated in Economics from the University of Kent and is a Chartered Fellow of the Chartered Institute for Securities & Investment (FCSI). He holds the Securities Diploma and Investment Advice Certificate from the Chartered Institute for Securities & Investment, and the Investment Management Certificate from CFA UK.
Simon specialises in bespoke portfolio management. He manages portfolios on behalf of a wide array of client types including individuals, trusts, charities and Self-Invested Personal Pensions (SIPPs). Simon takes care to ensure that the underlying investor goals and objectives are fully appreciated and is reflected in the style of portfolio constructed. He has been part of the Private Client team at Walker Crips since 2004, having initially passed his stockbroking exams in 1999. Simon is a member of the Chartered Institute for Securities & Investment, holding the Chartered Fellow (FCSI) designation.
Having started his career in 1986, just before “Big Bang” and the 1987 Stock Market Crash, John is a highly experienced broker. An ex-floor trader from the London Traded Options Market, as well as previously working for County Natwest, Natwest Stockbrokers, Durlacher and Charles Stanley, he now looks after a loyal client base encompassing high net worth private clients, corporates and charities. John constructs diversified client portfolios using individual equities, investment trusts and ETFs as well as using derivatives to enhance income.
Sarah began her financial career at Walker Crips in 2010. Before progressing to Investment Manager, she fulfilled a central role within our committed and experienced Finance, Operations, Technology & Administration team. Her broad experience from both sides of the business means she can come up with solutions that add simplicity to the investment process. Since being appointed Investment Manager, Sarah has gone on to pass the Private Client Investment Management and Advice exam, Level 1 and Level 2 of the Chartered Financial Analyst program, and manages investment portfolios for private clients, trusts, companies and Self-Invested Personal Pensions (SIPPs). She has an excellent understanding of regulatory issues and in-house policies, coupled with a strong work ethic which has led Sarah to become a trusted and well-regarded advisor by clients and colleagues.
Georgina (better known as Georgie) works closely with all members of the Private Client department to make sure everything behind the scenes runs smoothly. Georgie has passed the Investment Advice Diploma and the Private Client Investment Advice and Management Exam. Georgie is a Member of the Chartered Institute for Securities & Investment.
Director, Private Clients
Wesley joined Walker Crips in 1997. He is Director of the Private Client Department in York and specialises in model and bespoke portfolio management. He manages portfolios on behalf of a wide range of clients including individuals, pensions, trusts and charities. Wesley works closely with investment managers and colleagues in Walker Crips’ London Office. He is a Chartered Fellow of the Chartered Institute for Securities & Investment and has attained a Level 6 Private Client Investment Advice and Management Certificate. He also attained chartered wealth management status in 2011.
Senior Investment Manager
Chris has been working with a wide range of clients in the Yorkshire area and beyond for almost a decade, managing portfolios for individuals and their families, pensions, trusts, companies and charities. Chris also co-manages the Walker Crips IHT Portfolio Service. Chris is a Chartered Fellow of the Chartered Institute for Securities & Investment (FCSI) and is qualified as a Chartered Wealth Manager, a designation awarded by the Chartered Institute for Securities & Investment to recognise senior members in the retail sector at the pinnacle of their profession.
Rachel joined Walker Crips in 2019, coming from Progeny Asset Management. Rachel has a background of managing various portfolio offerings, including bespoke, model and an award winning AIM portfolio service. Rachel has an excellent grasp of both direct and collective propositions and is focussed, both on maintaining existing relationships and working closely with other financial professionals ensuring clients receive the best possible service. Rachel has attained the CISI Level 7 Chartered Wealth Manager Qualification and is a member of the Chartered Institute for Securities & Investment.
Edward re-joined Walker Crips in 2018 after previously working as an intern in the Investment Management Department. He is a University of York graduate with a BA (Hons) in Politics and has successfully completed the Chartered Institute for Securities & Investment Level 4 Investment Advice Diploma. He is a proponent of ‘Business Perspective Investing’, supports both the Model Portfolio Service and the Walker Crips IHT Service, and also assists with the management of discretionary and advisory client accounts.
Client Relationship Manager
Stephanie has over sixteen years of experience working in financial services covering various roles and has been at Walker Crips for 4 years working in the pensions team and subsequently transferring into Walker Crips Investment Management. Previous to Walker Crips, Stephanie has worked for Aviva, Barclays, HSBC and St James’ Place to build her knowledge in a variety of financial services fields. She has always had a keen interest in investment management and building relationships with clients and 3rd parties alike.
Business Development Executive
Nigel joined Walker Crips in 1992 and became an Investment Director in 1996. He became a member of The Stock Exchange (now the CISI) in 1990. Prior to his role at Walker Crips, Nigel was with Capel Cure Myers Stockbrokers after founding his career in 1981 on the management training programme at National Westminster Bank. With 39 years’ experience he holds the Advanced Diploma in Financial Planning (APFS) and Fellow of the Chartered Institute for Securities & Investments (FCSI) qualifications. Nigel remains a part of the growing team at the York office with responsibility for forging new client and portfolio relationships, whilst retaining contact with established clients and intermediaries.
Our investor visa portfolio team manages the investment portfolios of individuals and their families immigrating to the UK. We manage the portfolios in strict compliance with UK government guidelines, ensuring that we fulfil all the conditions and investment restrictions, helping our clients attain indefinite leave to remain in the UK.