At Principle we will work with you to establish a clear plan that will help you achieve your financial aspirations.
Listening, identifying and implementing
a strategy that is attainable and
specific to you.

Principle Investment is directly authorised by the FCA (Financial Conduct Authority), privately owned independent financial planning practice that has been established over ten years.

We believe passionately in what we do and have genuine pride in making a difference to people’s lives. So much so that we believe in time you will happily recommend our services to those closest to you.

The current advisory team have over 60 years combined financial services experience with expertise and specialism ensuring that we can deliver solutions for the most complex financial planning needs.

We are a company that offers high-value strategic financial planning with a client-centred proposition at the forefront of our principles. Any relationship in business can only be successful and long-standing if the service delivered represents good value for money and outcomes are achieved.

- Independent                                               - Face to face advice

- Professionally qualified                            - Members of a professional body

- Fee based                                                     - Established 2003

 

 

 

 

Whether you have £10,000 or £10million to invest we have a service and investment proposition that will suit you.

All existing arrangements can be considered and combined to create a fully integrated financial plan.
We look at the “big picture” and simplify very complex financial scenarios by using our knowledge, experience, and analytical technology to deliver a clear and concise plan to act on for you.

By understanding what really matters to you we can help guide you through the financial maze, keep you on track and make your ideas and dreams become a reality.

Tailored to you

Our principles

Tailored to you

Client portal

By understanding what really matters to you, we can help guide you through the financial maze, keep you on track and make your ideas and dreams become a reality. Why not call now, to find out more?

0161-449-9166

If you're an existing customer you can login to our client portal to check on how your investments are shaping up.
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then please contact us.

Meeting face to face with an adviser to discuss savings, investments, pensions, deposit accounts, property and investment strategies all focused on achieving your objectives.

About us

Our Services

Whether you are a company director, senior manager, business owner, young or established professional or retiree we can help. Our clients are aspirational and successful people that recognise the added value we bring to them.

Shared values, known outcomes and a flexible plan will ensure that we help clients achieve realistic lifetime goals. We are a “people” business and as such you will no doubt want to meet us. We offer an initial no obligation meeting at our cost to show you what we have to offer and how this in time will change client’s lives. Just rollover & click the headings to select.

Meet the Team

  • Ongoing Review Service

    At Principle we will work with you to establish a clear path that will help you achieve your financial aspirations. Listening, identifying and implementing a strategy that is attainable and specific to you.

    All existing arrangements can be considered to create a fully integrated financial plan. We look at the “big picture” and simplify complex financial planning scenarios using our knowledge, expertise and use of technology to deliver a clear and concise plan to act on for you.

    Shared values, known outcomes and an attainable plan will help ensure that we help clients achieve realistic lifetime goals.

    • Our aim is to provide reassurance and guidance so that clients have peace of mind over their financial security.

    A range of services are offered tailored for young professionals starting out in the financial planning journey to high net worth individuals that require a tailored and bespoke approach.

    Advisers within the business have worked with some of their clients for over 30 years and as such we are always looking for our clients of tomorrow.

    The range of services:

     

     

     

    Entry: Aimed at clients with less complex financial planning needs or those just starting out on their financial journey.

    Standard: Aimed at clients that recognise the need for an annual adviser review. This is important to ensure that their financial affairs remain as effective as possible.

    Enhanced: Aimed at clients with more complex needs or those who require closer contact and an annual face to face thorough review of their financial affairs.

    Wealth Management: This is a truly bespoke proposition that delivers a service which will be unique and tailored to helping our clients. It is ideally suited to clients with multiple level financial planning needs who require the highest levels of on-going service.

    Clients’ needs will also change with time as will their Net Worth, need for advice in more complex areas and not to mention frequency of reviews. We have worked successfully with clients throughout their lives whose needs have changed considerably. This has helped us design propositions best suited to what clients want, what is most valued to them and what they are happy paying for. If you would like further information and one of our advisers to contact you please click here

  • Mortgage advice

    Our aim is to give you impartial mortgage advice to make sure you get the best deal when you’re moving house, re-mortgaging or buying a new home.

    As independent advisers we have access to the whole market ensuring we find our clients the best products most suited to their circumstances.

    Key Points:

    • We scour the whole market, even deals you only get by applying direct to the lender

    • You will see an individual adviser and have a dedicated contact within the office for updates

    • Initial meeting at our cost

    • We guide you through the whole process, until you’re holding the keys to your new home

    • We’re authorised and regulated by the Financial Conduct Authority

    • Financial protection, our advice process will also guide you through options available to ensure that yourself and loved ones are covered.

    What else:

    Our sourcing systems allow us find you the cheapest deals. That doesn’t just mean the cheapest rate it means looking at the total cost and comparing how the deals stack up by taking into account how arrangement fees affect the overall cost over the life of a deal.

    It will tell you the monthly repayments for rival mortgages and crucially let you add fees, so that you can compare the total cost over a deal period, such as a two, or five-year fixed rate mortgage

    Our typical fee for arranging a mortgage will start from £395 however the exact amount will be dependent on the loan size and circumstances.

    Your home may be repossessed if you do not keep up repayments on your mortgage

  • Savings & Investment

    At Principle Investment we recognise that no single provider has the expertise or monopoly of the market place. There are literally thousands of funds to choose from, some good and some bad which is why we have no bias towards the funds we recommend.

    There has also been much debate on whether an active management or passive approach is more effective in delivering returns after costs are taken into account. Our belief is that active management can deliver superior returns for an investor throughout performance of the market through superior stock picking skills. This is basically what fund managers get paid to do and as such it is our role to select the best fund managers within their relative sectors when constructing portfolios. However in some instances the use of passive funds have been utilised in a blended approach to reduce costs.

    We do not claim to know about every investment fund out there which is why we use FE Analytics which is the market leading investment tool for all our investment research, analysis, due diligence and ongoing monitoring.

    The data is impartial which is key to our investment proposition allowing us to make informed decisions when constructing portfolios. FE Analytics independently reviews funds with research from FE Trustnet, Style Research, OBSR, S&P, Rayner Spencer Mills, Asset TV and Bright Talk.

    If you would like to talk to us about reviewing your existing investments or how we might be able to help building a portfolio please contact us

    We advise clients with their
    • Deposit savings allowances
    • ISA (stocks & shares)
    • Dividend allowance
    • Capital Gains Tax

  • Pensions Advice

    Retirement Planning is an important part of your overall financial planning.  At Principle Investment Management we provide financial advice on both pre –retirement and post retirement solutions.

    Pensions are currently still one of the most tax efficient ways of saving for your retirement but have become increasingly difficult to understand due to legislative changes to the pension rules by successive governments.

    Decisions you make now can have a big impact on your income and lifestyle when you retire and at Principle Investment Management we can guide you through the complex pension legislation to help achieve your retirement goals.

    Tax relief at your highest rate on pension contributions is still available, however calculating the maximum pension contribution either yourself or your employer can contribute on your behalf without incurring an annual allowance charge has become increasingly more complicated with the recent introduction of the tapered annual allowance.

    At Principle Investment Management we can provide advice on maximising pension contributions by calculating your tapered annual allowance (if applicable) and any also utilising any unused allowance you may have available from the previous 3 years.

    We also review and provide advice on your existing pension arrangements and the investment opportunities available such as purchasing a commercial property.

    A Self Invested Personal Pension (SIPP) can purchase a commercial property outright if there are enough funds or alternatively, a SIPP can borrow up to 50% of the value of the accrued funds (less any existing borrowings) to purchase the commercial property.

    There are tax advantages to using your SIPP to purchase your business premises; for example, the commercial rent payable to the SIPP will be an allowable business expense and the rent paid into the SIPP (less any loan repayments) generally grows free of any income and capital gains tax.

    We also provide financial advice in all other retirement planning issues including accessing your pension funds flexibly at retirement to produce a tax efficient income.

    If you would like some further advice in this area please contact us

  • Advice for Business Owners

    This is an area we specialise in and have attracted a large number of our existing clients. Running a successful business takes
    a great deal of time and effort which is why people often overlook their own personal situation. We help Ltd Companies,
    self-employed and business partners reduce taxation on profits, dividend and income. We work with existing accountants and professional partners to create strategies to ensure that you get you get to keep more of the profits your business generate.

    We work with business owners giving corporate advice in all areas.

    Corporate Planning: Protecting key individuals, employees with regards to death or serious illness.

    What are the options? What are the costs? As independent advisers we will look at all options available and recommend suitable provision.

    Shareholders: What are the implications to the business if a shareholder was to pass away? What would happen to their shares in this scenario?

    Fellow shareholders may have to work with partners who have little interest or experience in the business. Loved ones who would be beneficiaries would be left in a situation where they would either need to sell the shares if there was a buyer available.

    This is an area we can advise fellow shareholders so that appropriate provision is put in place to protect business partners and loved ones.

  • Trusts, Estate & Inheritance Tax Planning

    Trusts & Estates

    Without advice and future financial planning many peoples estates will be subject to inheritance tax. Under the current rules the first £325,000 (2016/17) is not eligible to any inheritance tax. For married couples and civil partners the figure is £650,000 if the full allowance is passed to the surviving spouse.

    Any assets in excess of this figure will be taxed at 40%. For many people this will be a concern especially if they haven’t received any advice in this area.

    There are options available to mitigate or at least reduce the amount of tax payable:

    • Make a valid Will

    • Transfer of assets through the use of Lifetime gifts

    • Use of tax-efficient investments that fall outside of the estate for IHT planning. Under current legislation pensions can play a significant role in estate planning.

    • Use of insurance

    The subject is complex and subject to change dependent on the political agenda at that time however the important thing to recognise is that with careful planning there are things that can be done.

    We work with clients, establish their situation, discuss their wishes and explain what implications they might be faced with and the most appropriate steps forward. At this point we can also recommend suitable professionals within the law and tax profession where required.

    If you would like some further advice in this area please contact us

    Inheritance Planning

    Without advice and future financial planning many peoples estates will be subject to inheritance tax. Under the current rules the first £325,000 (2016/17) is not eligible to any inheritance tax. For married couples and civil partners the figure is £650,000 if the full allowance is passed to the surviving spouse.

    Any assets in excess of this figure will be taxed at 40%. For many people this will be a concern especially if they haven’t received any advice in this area.

    There are options available to mitigate or at least reduce the amount of tax payable:

    • Make a valid Will

    • Transfer of assets through the use of Lifetime gifts

    • Use of tax-efficient investments that fall outside of the estate for IHT planning. Under current legislation pensions can play a significant role in estate planning.

    • Use of insurance

    The subject is complex and subject to change dependent on the political agenda at that time however the important thing to recognise is that with careful planning there are things that can be done.

    We work with clients, establish their situation, discuss their wishes and explain what implications they might be faced with and the most appropriate steps forward. At this point we can also recommend suitable professionals within the law and tax profession where required.

Professional Connections

  • Jane Leech
    Client Support & Admin

    Jane works in client support and administration and has been with the company for over five years supporting the team and advisers.

    Outside of work: Jane has three adult children, recent grand-children to fill up much of her time.

     

  • Rodney Shreeve
    Accounts

    Rod has worked with the company
    for many years often painstakingly keeping on top with all things financial admin related.

    Outside of work: A keen collector of classic cars mainly Lotus’s (Lots of trouble usually serious) therefore it is good that Rod has an abundance of patience and is handy with a spanner.

     

  • Joanna Wilson
    Pension Specialist & Adviser

    Joanna is a registered adviser and pension specialist providing support and technical expertise in more complex cases. She has great industry experience and works alongside Charles and Alex

    Outside of work: Joanna is married with two daughters. She is also a keen horse rider and spends time caring and riding her horse when out of work.

     

  • Craig Alexander
    Client Relationship Manager

    Craig joined Principle 2011 having gained over 18 years industry experience. He provides office based support to both advisers and is well known to clients who will often find him port of first call for initial enquiries.

    Outside of work: Craig is a keen runner having taken part in many marathons often running miles before the working day has even started. He also loves squash and Liverpool FC to add a bit of healthy rivalry to the office. Craig is also the father to a young daughter keeping him entertained in his family life.

     

  • Alex Vincent
    Financial Adviser

    Alex has worked within the business since leaving university initially working in all areas property finance related before continuing further qualifications that are ongoing towards Chartered status. Today his clients are mainly young professionals and business owners that require a personal service with accumulating and managing
    their wealth.

    Outside of work: Since reluctantly hanging up his football boots Alex has taken up crossfit as a means of keeping fit, mountain biking for lots of fun and snowboarding as and when the time allows to escape to the mountains. Another Man City fan in the office!

     

What our clients say

We're a professional, friendly helpful lot, with a wealth of expertise across all our services, but don't just take our word for it!

For new and existing clients we work closely with accountants and solicitors. Our thorough advice process ensures that we recognise when the time is right to seek guidance from other professionals that will add value to the client’s needs.

Likewise for forward thinking accountants and solicitors we have provided valuable financial and tax planning solutions for their clients. Our team at Principle are always keen to develop professional introducer relationships and would be happy to discuss how we can help and add value.

Please call for a chat as we would be happy to discuss further.

 

  • Charles Vincent
    Financial Adviser

    Charles set up the business over ten years ago after many years working in national financial adviser practises.
    He is the senior adviser specialising in corporate advice primarily to business owners and senior management professionals.

    Outside of work: Charles is a season ticket holder at Manchester City and has recently taken up cycling after a team relay at the London Triathlon with Craig and Alex in 2015.

     

Contact us

PIM, Independent Financial Advisers

91 Stockport Rd, Marple, Stockport, Cheshire SK6 6AA

Tel: 0161-449-9166
Fax: 0161-449-9496

email: alex@principle-im.com

 

Registered Office : As above. registered in England no. 04373749

PIM is a trading style of Vincent Colley Investment Advisors Ltd

which is authorised and regulated by the Financial Services Authority ref: 424343

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