© 2016-2019 Fowler Drew Limited

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Authorised and regulated by the

Financial Conduct Authority 

Make the most of your money

Fowler Drew integrates chartered-level financial planning with institutional investment techniques to deliver fully-bespoke, holistic, wealth management at lower cost than our competitors

The Fowler Drew differences

Fowler Drew is unique in private wealth management in applying to private wealth management the mould-breaking institutional techniques of Asset/Liability Modelling. 

Visualise your future

Plan it

Make it happen

At Fowler Drew, we focus on outcomes, which for individuals are the equivalent of their 'liabilities', as either wants or needs. Rather than investing in the hope of beating some vaguely appropriate benchmark, we invest to deliver defined, client-agreed outcomes. These depend entirely on their goal, or the purpose for the money. And they depend on how they see satisfaction.

For most clients, who have spending goals, the outcomes sought from their investment portfolios are best expressed as real (after inflation) levels of annual spending.  Having worked hard to build capital, our clients want to maximise their enjoyment of it, either by spending or using it to help members of the family. Annual spending amounts, not finance jargon, are what people can relate to. 

Like its institutional equivalent, every Fowler Drew goal-based portfolio is uniquely customised, because the time horizons, and the tolerable and desired outcomes at every horizon, are unique. The mould we are breaking is ‘factory’ fund management: standardised, risk-rated model portfolios that offer no indication of the range of outcomes that might be expected when the money is needed and so cannot ever be tested for suitability.

Our approach is further differentiated by making the modelling of a goal-based plan specific to a dynamic risk approach. It is dynamic because the exposure to risks constantly alters with the remaining time horizons and also with changing market conditions. Rather than judging your risk profile in isolation, we tease out your preferences by showing you what is achievable with your assets, using the variables you can control, so you can make the most of your plan. This complete integration of plan and portfolio is unique in private wealth.

We do it all

Risk management and efficient use of money are not just about investment. And we are not just a portfolio manager. The scope of our wealth management service includes:

  • advice about all insurable risks

  • tax housekeeping

  • complex pension rules

  • lifetime gifting

  • inheritance planning

  • powers of attorney.

Where not in our own scope, such as mortgages and currency, we refer to selected specialists. 

How the service works

  • Contractual basis

  • Service scope

    1. Initial planning

    2. Deployment

    3. Discretionary management

    4. Reporting and replanning

  • Delivery time line

  • Fee charging points

How you can benefit

Evidence of the benefits of the Fowler Drew differences is provided by an exceptional 99% client retention rate. 

 

Independent surveying suggests the attributes most commonly valued by Fowler Drew clients are peace of mind and ease of decision making.

 

Testimonials link these attributes directly to the framework of a goal structure and to the interaction with game-based modelling. Modelling informs decisions for each goal; the use of probabilities provides comfort that plans have been rigorously stress-tested; and game playing makes the concept of risk tolerance more intuitive and less abstract.

 

With engagement in continuous collaborative planning comes ownership and motivation - the missing ingredients in most delegated relationships that rely on the 'factory' model.

 

Clients prize a value proposition that delivers these benefits at a fairer, flatter and entirely transparent fee. The use of index-tracking vehicles to implement the goal-based portfolio asset allocation ensures all-in costs (advice, products, custody, transactions) are minimised. You can estimate your own likely costs here.

Videos

A more valuable service at a better price
Advisers ‘reveal’ conflicts in asset-based fees
Stuart Fowler explains Pension Freedoms
David Anderson explains why the fee basis matters

Articles

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