About us

Our investment philosophy

Find out more about our disciplined and systematic approach to investing, and how we align your investments with your life plans.

A strategy built on risk management

Investing is about managing risk, not just chasing returns. From market fluctuations to inflation and liquidity concerns, a sound investment strategy considers all potential risks and only takes risks that are adequately rewarded.

We define a successful investment experience as one where our clients can sleep soundly at night, have a strong chance of achieving their future lifestyle goals, and both understand and believe in the investment journey they are taking.

Six key factors for successful investing

Our approach to investing is elegantly simple, yet highly effective: while we can’t control the returns the markets deliver, we can select and manage closely the risks our clients take. By minimising financial and emotional costs, and maintaining belief, patience, and discipline, we improve the chances of a successful investment outcome for you.

Understanding these six factors is essential to building a successful investment portfolio. Each of them plays a key role in shaping your investment experience and ensuring that your long-term goals are met.

1. Portfolio structure

Choosing a mix of different asset classes, such as shares, property, cash, and so on, is the most important factor in determining the risk and return of your portfolio.

2. Diversify broadly

Diversification within different asset classes helps to reduce exposure to market volatility and supports your portfolio to remain resilient even in trying times.

3. Manage financial costs

Minimising investment costs is important. Low-cost investments improve your returns over time, but some costs are worth paying for.

4. Tax wrapper selection

Choosing the right tax wrapper – for example, pensions or ISAs – can mean you pay less to HMRC and enjoy more of your money.

5. Rebalance the portfolio

Regular rebalancing ensures that your portfolio remains in line with your risk tolerance.

6. Manage emotional costs

Emotional decision making can erode your wealth over time. We provide the steady hand on the tiller to help you stay the course.

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See what clients have to say about us

We could just tell you how we help, but it’s better to hear it from the clients we have helped.

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Ian Beaton

Shaun Smith

    
 
 
      Posted on Google  
   
   Cat Lyall 
 7 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We’ve used Achieve for years, and with their invaluable advice, have achieved a retirement house and funds for retirement. Great, friendly staff
  
 
     Posted on Google  
   
   Laura Nicolson 
 17 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I have been financially advised by James Sinclair of Achieve Financial Planning since 2009 when he set up as an independent adviser. My husband and I were advised initially when we retired and the service was excellent. James was always available to assist at any time with matters big or small. We meet up annually in person for a review which is always a happy occasion. When my husband died Bruce Paterson was very helpful with sorting out financial matters. I have no hesitation in recommending Achieve Financial Planning.
  
 
     Posted on Google  
   
   Peter Shaw 
 23 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We met Bruce for our annual planning meeting and as usual he was very professional and explained everything so we could understand it.
  
 
     Posted on Google  
   
   Sheila Campbell 
 27 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Achieve Financial Planning and in particular from Bruce Paterson.    Bruce is the ultimate professional and his advice is always clear, concise and easy to understand.    Can highly recommend them.
  
 
     Posted on Google  
   
   martin keyes 
 85 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very reliable and sound advice listenens to your needs with no pressure very friendly and reasonable priced
Bruce was very professional
  
 
     Posted on Google  
   
   Julie Pyke 
 105 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I approached Achieve Financial Planning with absolutely no idea of what I wanted to do with monies I had inherited and felt very insecure about investing.  I was immediately made to feel at ease and comfortable and I am confident in the advice given and the extensive knowledge staff have, making me feel secure with the investments made.  I would highly recommend Bruce Paterson and Achieve financial Planning as they are very supportive, keep you well informed and I look forward to their continued support in the future.