Bespoke Investment Management

How Can Personal Investment Management Help Me?

Our investment management involves a disciplined process to preserve & grow our clients’ wealth over time. This involves a long-term strategy for acquiring and disposing of portfolio holdings.

At KLO Financial Services, our investment management service is applied to the management and trading of the holdings within an investment portfolio to achieve specific investment objectives.

These objectives reflect the particular investment goals of each client. This is true whether the client is an individual or corporate investor.

Before we can begin this process, we must understand the client’s current circumstances, needs, objectives and the level of risk tolerance we agree is appropriate for them.

We are then able to provide an investment portfolio with which they feel comfortable.

The construction of your investment plan is only the beginning. KLO Financial Services provide regular reviews to ensure that your plan is still appropriate for your needs. The regular review also allows your financial planner to assess any changes in your circumstances or objectives that, in turn, may require a change to your investment plan. This review process plays an important part in reducing risk and increasing the likelihood of financial stability and growth.

All of our financial planners have the qualifications and experience to support you in this process.

Why is Personal Investment Management so important?

KLO Financial Services provide expert, independent and unbiased advice. This provision is supported by the structure we have created where clients deal face to face with their financial planner but have an office based client manager too.

This client manager is fully acquainted with their circumstances and always available to them during office hours. Our aim is that our investment management service is both effective but equally important, transparent. Our desire is that our clients not only benefit from our assistance but also fully understand the management process that underpins it.

The investment process itself is supported by our in house investment analyst and by our investment committee. The use of a structured management process which is regularly reviewed demonstrates our commitment to a robust investment management service.

Why do I need a financial planner for Personal Investment Management?

There are a wide range assets available for investment, but many of them will not be suitable for your personal situation. Our advisers endeavour to ensure that you don’t invest in anything that doesn’t align with your wider objectives and overall risk tolerance.

Our financial advisers can assist you with:

  • Understanding your overall financial objectives and risk tolerance
  • Developing a thorough investment strategy
  • Diversifying your portfolio
  • Finding the right investment choices for you

With the help of a financial planner, you will achieve a diverse portfolio and minimise risk whilst maintaining effective long term support. This will give you a clear view of the progress of your investment plan.

Independent Financial Advisers

Why KLO Financial Services?

With the multitude of assets available to invest in, trying to make sense of your investment choices can be overwhelming. At KLO Financial Services, we are skilled in portfolio diversification and have access to worldwide investment markets.

  • Portfolio Diversification

    Portfolio diversification, although it does not guarantee against loss, is the most important component of reaching long range financial goals while minimising risk.

  • Relationships Built on Trust

    We will work to earn and keep your trust by considering your personal circumstances and investment goals to give you sound, timely advice in all investment matters, great or small.

  • Worldwide Investment Markets

    KLO Financial Services has access to a full spectrum of asset classes from worldwide investment markets. Our in-house investment analyst constantly monitors these markets.

We’re Here to Help

Contact Us Today

We are always eager and available to meet with you to discuss your financial objectives and assess your current strategies. No question is too big or too small. The first consultation is always free and comes with no obligation. If you’d like to speak to one of our expert financial advisers, get in touch today.

What are the benefits of Bespoke Investment Management?

At KLO Financial Services, we understand how scary it can be to invest without the guidance of an investment management adviser. Below, we have listed five powerful reasons as to why investing with the help of a financial adviser is important:

Increased Financial Protection

A financial adviser and investment management will offer increased financial protection. With bespoke investment management, you can work on diversifying your portfolio, ensuring that you are covered if some of the assets you have invested in decrease in value. We will help you fully understand all investment products and scenarios in which they may be relevant, along with both their advantages and disadvantages.

Unbiased and Independent Investment Advice

With the use of a financial adviser, you can be sure that the advice you are receiving is independent and away from any bias which may sway your decisions on what to invest in. At KLO Financial Services, we choose to remain independent because we believe that it is important that we are not restricted in any way when we recommend a product or fund.

Free Up Your Time

With expert advisers supporting you with your investment decisions, you will have more time to spend on activities you enjoy. Some financial planners will manage your portfolio for you, and although you will need to meet periodically, you won’t be responsible for things like periodically rebalancing your accounts.

Knowledgeable Support

Bespoke investment management advice comes from knowledgeable and expert financial planners who are aware of current trends and the best steps for you, meaning you can spend less time researching and trying to make sense of the current financial climate.

Focus on Long Term Goals

With bespoke investment management, you are given the ability to have a clearer long-term view of your finances meaning you can prepare for the future comfortably. With the right investments, you can plan for not only your own future, but that of your children and family.

Need Help?

Frequently Asked Questions

In a nutshell, we learn about you, choose investments for you, and then build the portfolio on your behalf, showing you the results in a straightforward and easy to understand way.

Investing with KLO Financial Services is a long-term proposition but you can withdraw whenever you like. You should also bear in mind that certain assets may have certain withdrawal restrictions.

You can invest without the support of a financial adviser, however you would not be able to replicate our portfolios on your own and rebalancing and monitoring your own investments could result in high trading changes, time and hassle.

Portfolio diversification refers to the process of spreading your money across more than one investment. Investment diversification can balance the level of risk in your portfolio and this is something that can never be overlooked. Diversification allows an investor to reduce investment risks in addition to potentially improving investment returns.

Portfolio diversification is about utilising the benefits of multiple investment sectors with the aim to reduce the volatility of your portfolio. When looking to create the ‘perfect investment,’ the objective is to increase the potential for greater returns, whilst reducing the potential capital volatility. Investment diversification is one way to achieve this as well as provide peace of mind that your investments are equipped for changes in the market.

We take security very seriously at KLO Financial Services. We hold your investments in secure accounts for added safety and never lend your assets to third parties. This means that your investments are always protected.

Diversified portfolios can look very different, but the main investments you may be interested in are:

  • Stocks – stocks are risky but if successful represent significant growth potential
  • Bonds – bonds include treasury and corporate bonds which offer reduced investment risk but lower potential growth
  • Certificates of deposit – CDs and money market funds tend to make minimal risk but offer very small growth potential

We specialise in building risk-appropriate investment portfolios aided by investment diversification. By looking at your financial objectives and personal attitude to risk, we determine which portfolio is most appropriate for you.

A fund is only considered for our portfolios if it has satisfied our rigorous selection criteria. Our investment committee examines our portfolios every quarter, with input from our dedicated ‘in-house’ investment analyst.

What Our Clients Say

People Love KLO Financial Services

‘John Glavey has been our personal IFA for over 30 years. In addition, he acted for 40+ employees of companies of which Mr B was a Director. His advice and actions has made our retirement financially comfortable. Throughout those years his attitude has been relaxed but positive and we always had the feeling that he was maintaining his knowledge of trends and changing investments where appropriate. His up to the minute qualifications corroborate that.’


Oxfordshire