Description
Holder & Combes are a boutique financial consultancy for SMEs and private clients. Our aim is to provide clients with the best independent financial advice, free of jargon, face to face. Our services include: advice on investment and wealth management; retirement planning and pensions advice and consolidation; insurance (personal, family, business); independent mortgage advice; trust and estate planning and wills; tax planning; and currency exchange. The partners, Ed and Nick, hold both Chartered and Certified Financial Planner status between them. Approach
We aim to construct portfolios that behave in a similar risk-controlled manner to our highly successful core ‘unconstrained’ portfolios, but utilise funds which put environmental, social and governance (ESG) concerns front and centre in their investment processes to try to drive positive social change.
• Focus on achieving a positive social and environmental impact without sacrificing clients’ financial objectives
• Through its constituent funds, seek to invest in securities which strongly benefit society
• Through its constituent funds, seek to improve the behaviour of the companies invested in
• Choose funds that explicitly seek to avoid investing in companies whose business models are misaligned with sustainability principles
• Option to achieve cheaper portfolios by tilting towards passive ethically-screened funds, although with the downside of slightly less focus on positive screening and company engagement, and slightly less strict negative screening