Investment Adviser in Cambridge

Investing in today’s uncertain world and maximising investment returns without taking too much risk is a real challenge.


Investment Advice Cambridge

Choosing the right type of assets to invest in and achieving the right blend between those asset classes is vital in order to spread risk and maximize investment returns.

Therefore, getting investment advice from a professional has become increasingly important.

However, there are other factors to consider and that’s where using the services of an independent professional investment adviser can provide you with greater peace of mind. Why do you need professional investment advice?

Restricted versus Independent Advice

It is very easy to receive inappropriate advice from someone acting as if they know what they’re talking about. We have seen many examples of this from organisations with their own agenda, e.g. they offer restricted advice or are promoting their own range of products. The Financial Conduct Authority (FCA) calls this “shoe-horning” and despite their efforts to drive this out of the advice sector it is still happening every day. Therefore, it is very important to seek out independent advice from an adviser who is properly qualified and not restricted.

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There’s a saying when it comes to investing “it’s impossible to control investment returns but it is possible to control costs”. We regularly come across clients paying well over 2% per annum in costs despite being told a much lower headline figure. For example, an adviser or investment manager may say they charge 1% per annum and it would be easy not to give that a second thought. However, if they invest in active funds these add additional costs of between 0.75% and 1%, typically, and then add the cost of the administration platform to that, typically 0.25% to 0.45%, and you could easily be paying over 2% each year. Getting value for money means you should be looking to keep your total costs to between 1.0% and 1.5%.


Tax on your investments and the income from them is effectively another cost and something that can reduce further you investment returns. The obvious taxes are income tax and capital gains tax. However, there are other less obvious taxes including stamp duty, VAT and inheritance tax to consider. Further, there are many tax advantaged schemes that are approved by HMRC and designed to minimize the affect of taxation and or even achieve tax-free profits in return for investing in businesses and, therefore, helping the wider economy. There are also more widely used tax advantaged schemes like Individual Savings Accounts (ISAs) and personal pension schemes which attract tax relief on the contributions. An independent professionally qualified adviser will help you understand how best to navigate the tax maze to both minimize tax and take advantage of the personal tax allowances available.


Not all investors are the same. Some will have a higher tolerance to risk than others. Therefore, it is important to understand what your own tolerance for risk is and what your capacity for loss might be. In simple language your capacity for loss means how much money you could afford to lose without it affecting your standard of living. One of the first things a professional adviser will do is discuss this with you and using risk and capacity for loss questionnaires help you understand how much risk would be appropriate for your personal circumstances, aims and objectives. Once your risk tolerance and capacity for loss have been identified, discussed and understood only then can you investment with realistic expectations and understand the relationship between risk and return.

What people say about us:

I have always been very satisfied with the advice and service I receive from them.

- Jennifer Hoyos

My adviser Chris Galpin is very good at explaining how our investments and pensions work, and he is always available should we need advice.

- Annie Roberts

We used the services of the Chris Galpin and I cannot rate his helpfulness, knowledge or patience highly enough. He very efficiently soughted out the best mortgage for us and then got on with the application process with the minimal amount of fuss. Nothing was too much trouble and I will be using him in the future.

- Fiona Gilbert

All our dealings to date have been excellent, they have listened to our requirements made suitable suggestions and implemented them in a friendly and professional manner.

- Michael Dearman

I have had honest advice and when my husband died they did all the necessary paper work for me very swiftlly and did not charge. A friendly professional firm who quickly understand your needs – no hard sell – your protection paramount.

- Patricia Revel

I get a good personal service from an experienced and thoughtful person whom I have known for 30+ years, and trust. That’s very valuable to me even when we don’t entirely agree on priorities! He also advises me on things I need to get around to doing, and I usually follow his advice.

- Penny Henderson

I have been with Dartington since before they were Dartington, and the level of service has continued at the same high standard.

- Adrian Moxon

They were recommended to me and I have already recommended them to others. They are good at explaining things in a way I understand.

- Sheila Thomas

Never had any problems. Friendly consultancies.

- Roger Stratford

I trust my adviser.

- Jon Daly

The financial adviser I have dealings with has been excellent over the years.

- Janet Huskinson

My experience has been very good, especially the personal help from Philip Bowden-Pickstock.

- Christine Jolly

I was very happy with the service that Dartington provided with respect to our new mortgage and I have already recommended them to a friend.

- Dr Michael Gifford

Our Address

Dartington Wealth Management Ltd.
5b Clifton Court,
Cambridge CB1 7BN

Tel: 01223 211 122

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