The Stirling House Multi-Management Approach to Wealth Management

Once an accurate assessment of a Client's Attitude to Risk (ATR) has been established, appropriate investment options are considered taking into account a Client's tax status, all tax efficient allowances, IHT issues as well as Taxation and Trusts (if applicable). Thus far, perfectly normal.

However, at this point, a Stirling House IFA has two choices; they either continue advising on Whole of Market utilising research tools such as Aequos or they can choose to advise on Whole of Market through Stirling House's own Fund of Funds.  If the latter is selected, this is how it works:-

Stirling House divide ATR into five main categories (although these may be further sub-divided) which are individually branded as such in keeping with our Corporate Brand.

Each of these five main ATR categories are named after the Five Noble Orders of Architecture.

These are the Tuscan, Doric, Ionic, Corinthian and Composite representing risks Low, Low Medium, Medium, Medium High and High.

The Stirling House Doric Fund opposite, for example, is a Whole of Market Low Medium Managed Fund of Funds. 

The fund itself is comprised of funds from many life companies and investment houses as well as cash and gilts.

Clients' investments are continually being monitored and adjusted by our Discretionary Fund Manager who reports to the Company quarterly.

Thus the fund is a dynamic, constantly changing fund within your Client's ATR.

Charges are explained to the Client in terms of the Total Expense Ratio (TER) not just the Annual Management Charge (AMC). For example, some companies who operate a Multi-Management approach state their AMC to be 1.5%.  However, their TER is typically 2.44% which means that the Client is actually paying away an additional cost of 0.94%!!

The Stirling House Doric Fund TER is 1.58% and the AMC is 0.75% both of which are significantly lower than the above charges.

This means that your Client is paying away less for Multi-Fund Management with Stirling House.

Stirling House Financial Services Limited are Independent Financial Advisers and are authorised and regulated by the Financial Services Authority Nº 413234