In today's world of frequently homogeneous products, the tools at the forefront of the 21st century adviser's armoury are not financial products, they are services: risk profiling tools, wraps, platforms and more recently, fully outsourced discretionary investment solutions.

• On-shore
• Off-shore
• Individual Savings Account (ISA)
• Consolidated ISA
• Small self administered Scheme (SSAS)
• Self-invested personal pension (SIPP)
• Minimum Portfolio Size - £7,000