Financial Planning

Saltus Financial Planning is a "Chartered" financial planning firm. They are experts at creating financial plans for clients at every stage of life. Their mission is to help you take control of your finances. Saltus can help you map out your financial and life goals, and ensure that you have a plan that will deliver them. They will help you to navigate the complex landscape of the investment world and assist with structuring your investments in a tax-efficient manner.

Saltus Financial Planning creates a personalised and collaborative financial plan with you by listening to, and understanding, your needs and then applying their knowledge and expertise. This not only ensures your money continues to deliver for you but also builds lasting personal relationships based on trust and experience. As an independent financial planning firm, they are able to provide objective advice that is aligned with your best interests. They can offer the best of both worlds, either selecting from in-house investment strategies managed by Saltus Asset Management or from an alternative provider, depending on your objectives.

Investment Management

Saltus constructs and manages portfolios centrally under the direction of the Investment Committee (IC). The IC is the decision-making body responsible for all aspects of portfolio management. Centralising control of portfolios helps them to control risks in the broadest sense and help achieve consistency of outcomes for clients.

Saltus has a 5-stage investment process: 1. Asset allocation: Unlike their peers, they do not operate within a constrained fixed asset allocation environment and instead use volatility parameters to guide the risk level of our mandates. However, asset allocation is a significant input and is continually reviewed and updated as markets develop. Allocation is derived from 4 primary sources: The knowledge and experience of their investment team, third party data providers, they use a range of data providers and external analysts, their fund manager network and bespoke, in-house, macro analysis tools.

2. Fund selection: They employ a "5 factor" process to calculate a manager’s average yearly alpha (or outperformance) and importantly, how volatile the manager is in delivering this outperformance. Targeting steady delivery of alpha rather than managers who enjoy the occasional purple patch, then go quiet for several years. The more consistent a manger is in delivering alpha, the greater confidence Saltus has in assessing the chances of them delivering this in the future.

3. Portfolio construction: Client portfolios are grouped into 5 core risk bands, characterised by their volatility of returns relative to the equity market. Each band can incorporate instruments with differing investment styles or objectives, but also possess common risk characteristics. Saltus Believes that portfolios are best constructed by identifying and investing alongside specialist managers in each asset class. As mentioned, they look to access the widest possible set of opportunities across asset classes, investment styles and geographies. When finalising portfolio construction, they will also consider diversification within an asset class to ensure maximum risk-adjusted diversification is achieved.

4. Monitoring and feedback: Using bespoke analysis tools and systems, Saltus monitors portfolios in real-time, allowing them to act swiftly to changing market conditions when required.

5. Reporting: All monitoring and feedback is reported on a weekly basis to their investment committee who implements any required changes.