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Being independent advisers means we are not tied to a parent company or group. This allows us to offer a bespoke and highly personal service and because we are unrestricted, we are able to find the most appropriate financial solution for you.
A firm of our size is unusual in offering discretionary investment management. A discretionary service allows you to leave the management of your investments to us and means we can act on your behalf and in your best interest.
One of our priorities is to take the burden of administration away from clients
Keith Montgomery, Founder & MD
Our investment committee has combined experience of more than 65 years and we have been helping people make sense of their finances for more than 45 years.
Our founding year. The business was established by Keith Montgomery nearly 50 years ago in a small office outside Bristol.
years of combined experience in our investment committee. Our investment team have extensive career backgrounds with independent investment companies and multi-national firms.
The number of staff who look after our clients on a daily basis. They have extensive industry experience and understanding behind them. Read more.
We aim to provide a consistent and high quality service to all of the 135 client families regardless of the size of their investments. Read more.
Each stage of our clients' lives often gives rise to very similar financial needs.
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What might your priorities be right now?
Do I know my monthly expenditure and have I drawn up a detailed inflow/outflow budget? Have I signed up to my employer's pension scheme?
Do I have a form of income protection, life assurance and a Will in place? You may have bought your first property and are thinking of extension costs.
Do I have a pension in place and am I taking full advantage of my annual ISA allowance? Often in your 40s you experience the highest expenses like school fees and mortgages.
By now I might have made plans for future retirement income. Has my Life Assurance matured? Will my children need help with their first property?
The final stages of planning for retirement income may well be in place. Have I built up my ISAs to support my pensions with additional income?
Is my Will up to date and do I have a Lasting Power of Attorney? I might be thinking of passing some wealth onto my children and possibly helping with property.
If not already in place, a Lasting Power of Attorney might be a top priority. Do I have enough income to support care in my own home? Have I considered inheritance tax?
Lifetime of income and expenditure
The cost of living has a habit of increasing over one's lifetime. We work closely with our clients to ensure that their investments grow sustainably, at a rate to suit them and to meet their ever-changing expenses.
We often see clients wanting to help dependendents at a time when annual expenditure is at its peak. Drawing from investments is one way to support regular or one-off expenses.
It’s reassuring to know you have a dedicated team monitoring your investments and managing your money. Our team has extensive experience and are able to provide a welcome degree of personal service in today's automated world.
Their particular strength is the ability to interpret our needs correctly and to explain the various options in a clear and immediately understandable way
Client since 1985, Professor - OBE
Keith is the Company’s founder and has been at the centre of all work on behalf of clients for 50 years.
Previously at Coutts private bank in London, James runs the business from day to day.
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Dominic is a Chartered Financial Planner and has previously worked at Barclays Wealth, Grant Thornton and other small IFAs.
David is a qualified solicitor and has been working in the City since the early 2000s, advising owner-managed companies on corporate finance matters and AIM flotation. David is a member of the wider Montgomery family.
Joe was previously reading Maths at Cambridge University before joining us in 2016. He is primarily responsible for analysis of our clients' finances and investments as well as trading.
Rita has built experience in management accounts, taxation and insurance over a 30 year career. Rita is responsible for administering all client and company accounts.
Jen has been working in financial services for 15 years and spent 10 years working for an investment platform in the South West. Her daily responsibility lies with investment reports, placing trades and platform administration.
Ruth works on both general administration and on the investment side assisting with client reports, investment research, trading and client analysis.
Richard has extensive experience of the pension and bond markets in particular and is responsible for client investment and tax analysis.
Sarah joined our Dorset office in 2022. She has built her career in Financial Services working in sectors including life assurance, banking and underwriting over 30 years.
In addition to our in-house staff we work with a wider base of firms of tax specialists, accountants, lawyers and property agents. Working with other like-minded professionals ensures continuity and the best possible outcome for our clients.
Over the last 45 years we have chosen these specialist professionals based on their characteristics as being experts in their field, small independendent providers and providing value for money.