Everard Investment Planning Ltd.
Independent Investment Advisers

Welcome to Everard

The value of investments can fall as well as rise and you may not get back the amount of your original investment.



Everard Investment Planning is Authorised and Regulated by the Financial Conduct Authority. FCA Register Number: 456568.

Registered in England & Wales, Company Number 3836796. Registered Office address: 6 Kelston Road, Bristol, BS31 2JH. Trading address: Kingswood House , South Road, Kingswood, Bristol, BS15 8JF.

Telephone: 0117 9832866

A structured, disciplined and risk-controlled investment process is of enormous importance when seeking attractive long-term investment returns. We want our investment clients to feel totally secure in the knowledge that we have a robust advice process, which aims to provide a consistently high quality of investment advice, on an on-going basis.


Our investment advice process includes the follows steps:

1. Fact Finding

It is important that the adviser understands the needs of the client and obtains sufficient information to ensure that any recommendations that are ultimately made fully suit the client’s aims, objectives and circumstances.

2. Risk Assessment

We discuss the main risks that our clients could experience and we build a detailed knowledge of what risk really means to each of our clients. We then use a professionally developed questionnaire with the client and the results of this lead to a ‘Risk Rating’ number of between 1 and 10. The risk rating system provides a robust risk-assessment structure for greater consistency of advice, and forms a solid basis for discussion of risk with the client.

3. Risk Discussion

As each client has their own attitude towards risk, we discuss what different risk levels mean in terms of potential gains and losses. A vital aspect of any such discussion is to assess our client’s attitude towards loss, as this is often a primary area of concern for clients. The risk rating number and its implications are then discussed with the client to make sure that we have accurately assessed their true attitude to risk. We will also take into account the clients experience in relation to risk as well as their capacity for loss.

4. Asset Allocation

A spread of different asset classes (e.g. shares, commercial property, bonds, cash etc.) is generally desirable and necessary to achieve the agreed risk within a portfolio. The proportion of the portfolio allocated to each asset class is commonly referred to as the ‘asset allocation’. Starting with the client’s agreed attitude to risk we use a professionally developed and managed asset allocation tool to assist us in deciding upon an asset allocation that aims to maximise the potential returns for the client at their agreed level of risk. The final asset allocation also takes into account any need that the client may have for income.

5. Fund Selection

Investments are then selected on the basis of criteria agreed during the fact finding and risk assessment stages, using the asset allocation just determined. Where the client has placed a restriction on the type of investments that they want us to consider, or where they have specific ‘ethical’ or other requirements, then these are also taken account of at this stage. Funds are selected by screening for a number of desirable attributes, or by screening-out undesirable characteristics. We conduct in-depth fund research quarterly and this research forms the basis for the individual fund selection. Care is taken to ensure that the underlying fund holdings are truly diversified and that individual fund manager’s styles are taken into account. Fund charges are also compared with the aim to ensure that our recommendations represent good value for money.

6. Tax Wrapper Selection

Each client has an individual set of circumstances, aims and objectives, so different product types and tax wrappers will be appropriate for different clients. We will take into account whether our clients have unused Individual Savings Account (ISA) allowances and whether they typically use their Capital Gains Tax allowances. We consider which products are likely to best suit their income needs, accessibility requirements and the tax-efficiency of their likely asset mix. In some instances a combination of different tax wrappers may be recommended as the most appropriate solution for the client. 

7. Recommendations & Implementation

Our initial recommendations are discussed in detail with the client and then further tailored, if required, to better meet their needs. Final recommendations are confirmed in writing and applications are prepared for any new investments or changes that need to be made. A final discussion of the recommended product’s features, benefits and risks is held before our recommendations are implemented.

8. Reviews

Due to the fact that some investments within a portfolio may grow at a faster rate than others, the asset allocation will change over time. This affects the risk rating of the portfolio and for that reason routine reviews of a portfolio are desirable to prevent it from becoming either too risky or not risky enough to provide the returns that the client desires. Regular reviews are therefore highly recommended. During this stage it is normal for the investment advice process to begin again, with the adviser re-considering whether the client’s investments are still the most suitable for their circumstances and discussing any changes that have occurred since the last review.

Our Investment Advice Process