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Our inves tment philosophy

We offer a unique investment outlook grounded in experience, beliefs and feedback from our clients.

Background to our approach

The background to our approach is based on personal experience.

When he was in his twenties, our Founding Partner and Chartered Financial Planner Owen was knocked off his motorbike. He was luckily okay, but the compensation money he received and then invested saw its value nosedive in a huge stock market crash. He was devastated.

Over time, lessons were learnt. He didn’t want the same thing to happen to him, or anyone else, ever again.

This personal story shows how volatile investing can be when done without thorough knowledge of the market.

Our approach here at 3-S has been borne out of this experience. We look after our clients’ portfolios and investments ourselves, rather than outsourcing. We are fanatical about keeping standards high and investments understandable for our clients.

Our investment philosophy

01.

Risk assessed

As part of our client journey, we’ll meet with you to discuss and establish the type of risk you should be taking with your portfolio.

We place huge importance on getting the right risk profile for you, so that your money isn’t inappropriately invested. By the time we’ve done our financial planning discovery meeting, we’ll know so much more about you and your goals and can therefore make a detailed investment recommendation.

02.

Diversified portfolio

Uniquely, we build your portfolio using our own colour coded system:

Yellow = Cash
Green = Lower risk funds
Blue = Low cost funds of worldwide shares
Red funds = Higher risk ‘growth’ funds investing into specialist areas

Our clients can therefore understand at a glance how much risk they’re taking with their portfolio at a glance. Yellow and Green funds give you the security of knowing you have money you can access when you need it. Blue and Red funds are designed for future planning.

03.

Personalised to your goals and values

Investing isn’t just about money; it’s about what you want from your money.

As part of the process, we get to know you, your goals and your values. We believe it’s so important to ensure they are reflected in your portfolio.

So, if you’d like to invest in a specific type of fund (e.g. ethical investments, clean energy, ‘positive impact’), we can make that happen. Similarly, if there are funds that you’d rather avoid, we’ll make sure we choose something better aligned to your values.

04.

Pragmatic approach

If the funds you’re invested in aren’t performing, we’ll take a pragmatic and proactive approach and make appropriate changes.

We want you to feel confident in us, so we’ll always be upfront and honest when making changes and recommendations.

05.

Expert guidance

It takes a lifetime to master investment, so ensuring you work with an expert professional with the right qualifications is an essential starting point.

As a Chartered firm with a highly accredited team, you can be confident you will receive the best possible investment advice. Our Financial Planner Mark has specific qualifications related to investment management, so you’re in safe hands.

For more detail about what we do and how we work, check out the following pages:

Your life stages

Exciting personal milestones are as inevitable as challenging life transitions. Your financial plan must be agile enough to adapt to any bumps in the road. Here’s how we help you at each stage.

Learn more

Your financial planning journey

As with any journey, it’s reassuring to have an idea of where you’re heading. That’s why we’ve detailed the financial planning process we will walk you through here.

Learn more

Hear from our clien ts

It's hugely reassuring for us, knowing Mark's looking after our financial affairs.

Ed & Jenna

It's extraordinary the changes that have been wrought thanks to Mark.

Julia

If it wasn't for Mark, I wouldn't feel as confident going into retirement as I do.

Mark

Cont act us

Ready to book a meeting? Got a question? Leave your message below and we’ll be in touch as soon as possible.

    Work.Life Core, Brown St, Manchester M2 1DH

    © 3-S Financial Management are authorised and regulated by the Financial Conduct Authority. You can find 3-S Financial Management on the FCA register by clicking here. Registered in England & Wales. Registered Office: 15 Gold Hill, Shaftesbury, Dorset, SP7 8HB.

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