It pays to regularly review your cash savings accounts to ensure that your savings are working hard on your behalf.
We provide a cash management service in conjunction with our partners Cascade Cash Management. We help clients, trustees and businesses optimise the cash holdings in their savings portfolios.
This service will help you achieve the best blend of improving returns, protecting your savings, and ensuring liquidity.
We’ll start by understanding your individual needs, the value and structure of your current cash savings.
We’ll then perform a unique optimisation process to select the best blend of accounts from the marketplace to satisfy your requirements and preferences.
We monitor cash rates from over 125 institutions daily, having access to the best savings account rates, the best fixed rate bonds and cash ISA rates. We will identify the best savings interest rates and ISA performance data and advise you on the best structure for your cash savings portfolio.
Our independence means that our service is not aligned to any one individual bank, so you can be assured that the service you receive is completely unbiased.
We will provide you with pre-populated account opening forms and confirm any specific account opening requirements for you. This helps to make the account opening process as easy and hassle free as possible.
We and Cascade do not hold any money directly and the power of instruction remains entirely with you. Put simply, our cash management service helps you manage and hold your cash deposits directly with the right range of institutions to suit your specific requirements.
Our approach to cash management means that your portfolio will be held in a well-diversified manner. This is important for clients who wish to limit their counterparty exposure to the Financial Services Compensation Scheme (FSCS) limits, and helps to protect the full amount of capital you have invested.
We will include a review of your cash accounts alongside your regular ongoing investment review and will let you know if better rates are available for your cash deposits. Naturally we will re-administer any new accounts as necessary to ensure that your cash savings are continuing to work hard on your behalf.
Passion, knowledge and a genuine interest in achieving the best for clients is what I feel makes a truly professional financial adviser. Ben is all this and more. He took the time to get a feeling for what we needed and suited our circumstances. His professional, ethical and caring demeanour elicits our trust and respect. On this, he would be highly recommended.– Kay & Colin Murphy