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Financial Planning Document Library

Below you will find a large collection of Swallow Financial's documentation.

The world of finance is often unfathomable. It is therefore paramount that the client is not only confident in their adviser’s planning, but they can also see the broader picture.

The following documents are designed as generic explanations of what can be highly complex issues. Do call or email our office if you need any further help.

Use the filters on the right to help find the information you are after.

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Document Library

Our Approach To Investment Management

Categories: Investment Planning

It is important to understand how your adviser approaches the purchase and management of your investment funds. These notes are designed to explain briefly the Swallow Financial Planning methodology.


Investment Policy Statement

Categories: Investment Planning > Pensions

Whilst our investment style is bespoke to each client, we have over recent years begun to create a standardised approach to our Asset Allocation Process.


A Background To Our Fund Choices

Categories: Financial Planning > Investment Planning > Pensions

Over many years, we have invested in every type of collective investment available. We have used managed funds, multi-managed funds and passive funds. This note explains our current thinking when we choose the funds for our clients to invest in.


Investment Cycles, Asset Allocation & Factor Based Investing

Categories: Financial Planning > Investment Planning > Pensions

The correct asset allocation of a client’s investment portfolio is the bedrock of the Swallow Financial Planning investment process. This note is designed to explain how we use investment cycles and factor based principles to enhance the investment process.



An Introduction To Asset Allocation

Categories: Financial Planning > Investment Planning > Pensions

The correct asset allocation of a client’s investment portfolio is the bedrock of the Swallow Financial Planning investment process. This note is designed to explain how asset allocation works and why it is so important to the future success of your investment performance.



What is The Lifetime ISA?

Categories: Financial Planning > Investment Planning

The new LISA is becoming an attractive savings vehicle particularly for the better off however beware the pitfalls of early encashment.


Investment Wrappers Explained

Categories: Financial Planning > Investment Planning > Pensions

This note is designed to emphasise our reasons for placing specific types of funds into the different tax wrappers. If you want to know the full tax treatment of any wrapper please let us know.


Cash Deposit Accounts

Categories: Financial Planning > Investment Planning

We have access to instant internet and other extensive manuals illustrating pretty well all available deposit accounts available. If you can confirm to us your requirements, we can usually obtain the very best rates for your personal circumstances.


Risk & Return

Categories: Financial Planning > Investment Planning > Pensions

For many years we have used the Finametrica system for our initial assessment of a client’s risk tolerance. Whilst this system is recognised as a “best in field” we believe that it is the starting point for our discussions concerning your investment management, rather than the definitive answer to set where your money is invested.




The 14 Year IHT Trap

Categories: Estate Planning > Financial Planning > Later Life > Tax Planning

Most people are aware of the fact that if you make a gift in the UK and then live for more than 7 years then that gift will fall out of your estate. What is less well known is that if you make more than one gift and you die within 7 years of the last gift then Inheritance Tax (IHT) may well be due on some or all of your gifts.


Tax Allowances

Categories: Estate Planning > Financial Planning > Investment Planning > Later Life > Tax Planning

There are many different tax concessions and allowances which we try and maximise as party of our service. Not every client can benefit from all allowances however in our review reports for clients we do advise of any missed opportunities.


News

The latest news from Swallow Financial Planning and the financial industry

NS&I Slash Interest Rates September 30, 2020

NS&I have announced a zero interest rate policy commencing November 24th 2020. Not only is this unprecedented but, in addition to a...

Budget Summary March 25, 2020

The 2020 March budget has all but been forgotten amidst the current Covid-19 pandemic. The following is our summary of the key...

Commercial Property Funds March 20, 2020

Many clients will have seen that Bricks and Mortar investment funds have been suspended. Bricks and Mortar funds own physical property. Real...

Swallow Financial Advice Newsletter

The latest news from Swallow Financial Planning and the financial industry