S D Greenway Ltd

Representing your interests.

Welcome!   Here you will find information about our work as Directly Authorised, Independent Financial Advisers.   We are proud boutique IFA's.  Our independence is key.  We are not part of a network, associate partners or appointed representatives.  We look after your interests in both a Personal & Protective manner. This approach, re-assures all our clients of the best possible attention & care for your investments.

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Your pensions and investments are  likely to be among the biggest assets you acquire during your lifetime.  We understand that protecting their value is a priority whilst retaining the potential for capital growth.   

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What separates us from many others is that we don't usually pick funds, we leave that to the professionals which allows us to concentrate on our role as true IFA's.  We do not use a default fund, we hold no own-brand bias or any network obligations.  We gain no rebates, kick backs, retirement plans or any other incentive from how we invest for our clients.  We simply do the the right thing for our clients interests.

At S D Greenway Ltd, we work directly with discretionary fund managers [DFM's] to match your investment objective.  

The DFM is the actual manager of the cash, there are various types; defensive, adventurous, ethical, income producers and so on. They are not licensed to provide advice (that is our job, we know that the buck stops with us!) and they would likely be expensive/unapproachable if they were contacted direct.    

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Our role is to ensure the correct ingredients are chosen for your investment to succeed.  We build the end result of your success through our expertise of selecting the right manager, wrapper, term,  profile, provider, platform & portfolio.   We specify risk tolerances and investor objectives for your individual case to ensure you have the best chance to get the most out of your money.

Our business model satisfies trustee obligations to ensure you are actively getting the best for your beneficiaries.  It provides reassurance to the individual investor that when markets fall, defensive trades can be made promptly. 

When markets are going well we can all make gains, however when markets fall is when our method limits the negative impact by actively trading.

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Our fees are clear and in plain sight.  All charges are disclosed and agreed before you proceed.  We do not offer execution only basis and are only interested in long term client relationships.  We are fully motivated to achieve the best for you and your family.

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Terminology explanation: 

Wrapper - the type of pot in which the funds are invested,  all of which have different tax implications (pension, ISA, bond, OEIC, etc)

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Platform - software that facilitates the administration of the portfolio 

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Provider - Company that offers the particular type of investment that we wish to use

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Portfolio - selection of various wrappers held on your platform to match your tolerances.  

Profile - selection of various investments held inside each wrapper to match your tolerances

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How does it work?

A Comprehensive Approach

We visit you at home or at work (don't worry about distance, client visits are nationwide without charge, completely at our risk) to record a thorough 'fact find' of your circumstances and evaluate your attitude to investment risk.  It's important to get a clear understanding of what is required (perhaps capital growth, an ethical investment, drawing pension income, etc) and how much volatility you would tolerate with your investments.   

At this meeting (which is free of charge) we will quote our fees for the type of work you require before proceeding to our whole of market research and subsequent recommendations which will be submitted at a second meeting a few weeks later for your approval.

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Any recommendations will not include a contractual lock in, our clients are free to switch advisers should they ever feel the need, this approach keeps us fresh.

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Ongoing relationship

Healthy debate

We wish you continued success and believe that our futures are best served together.  Usually our fees are intertwined with your fund performance so no extra charges are made for review meetings, client telephone calls, references, letters, tax assistance, etc.

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Our clients are assisted with ongoing advice.  This service provides continued risk suitability, tax allowances are utilised and fund performance are evaluated with you regularly.  

The client reassurance is priceless; to know that when you need some capital or if your circumstances change, we can move quickly to ensure the most suitable method is used.  We don't want you to pay unnecessary tax, lose valuable allowances or take unwanted risk.  The healthy IFA / client relationship works both ways where we discuss options and ideas together to achieve the correct outcome.

Clients make us who we are

You are genuinely valued

Our clients are our number one priority, and we go the extra mile to make sure they’re completely satisfied.  

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We are happy to liaise with your accountant, solicitor or other professionals should you wish to ensure that all your requirements are smoothly executed and managed.

If you are a client be assured that you can call anytime with a query.  If we are in a meeting please leave a message and you will be called back promptly.

Solicitors & Counsel

Law Society Referral Approval

We are happy to receive referrals from the legal profession.  We can assure your client will be treated impartially and with diligent care. We hold full independent status.

Under the new Solicitors Regulation Authority [SRA] rules from Nov 19, referring to financial advice firms with narrow, restricted panels has been identified as possibly not in the clients best interests.  If a firm’s status is ‘restricted’, it should be recorded how constricted their advice will be.   

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Caveat Emptor - Let the buyer beware, many of the largest adviser firms in the UK look to the layman as 'independent', dig deep and insist on seeing 'independent' in their permissions rather than words that imply 'whole of market'.

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(The Law Society, 2019 @ lawsociety.org.uk)