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HOW WE CAN HELP

Lorica Saltus is here to help you make the most of your money. You can choose how you want to work and invest with us.

Our experienced advisers can provide you with full financial planning, taxation and investment advice. Once we have helped to put a financial strategy in place, our Model Portfolio service will keep you regularly updated about your investments and let you know when changes need to be made to your chosen Portfolio.

We also provide workplace financial wellbeing services, designed to help employees better understand and manage their money.

Life has many challenges.

Managing your money needn’t be one of them.

FINANCIAL PLANNING ADVICE

Managing the financial implications of the various major changes that happen in life can seem a daunting and complicated task.
 
It doesn’t need to be. Most people are perfectly capable of managing their own money on a day-to-day basis. But when the big events occur, sometimes we all need a helping hand. Changing career, receiving an inheritance, getting married or divorced, losing a loved one, starting a family, planning for retirement; these are all often triggers for ‘calling in the professionals’.
 
To help you make the most of your money, whatever your life stage, Lorica Saltus takes the time to understand where you are and where you want to be. We then create your financial plan, designed to perfectly blend our technical financial expertise with your personal and emotional goals.

In addition to tax-efficient financial advice and planning services, Lorica Saltus provides access to our own range of risk-rated investment portfolios. Created by our experienced asset management team, the Lorica Saltus Portfolios are designed to cater for almost every need.

ADVISORY SERVICES

Why Lorica Saltus?

  • We’re all about three key things: personal service, innovation and trust.
  • Our business is built on a long history of responsible decision-making.
  • We’re dedicated to helping our clients and their families protect, manage and enhance their wealth.
  • We are 100% committed to meeting our clients’ needs and developing the technology and tools you need to manage your money.
  • Our services are designed to help you meet your short, medium and long-term financial goals.

MODEL PORTFOLIOS

Our Model Portfolio services are designed to give the peace of mind that comes with knowing your money is being managed to meet your particular objectives and views on risk.
 
Whether you receive individual guidance from one of our advisers, are an employee of a company where we provide workplace financial wellbeing services, or simply top-up an existing plan; we provide access to our easy-to-understand, risk-rated model portfolios.
 
Created by our experienced asset management team, the Lorica Saltus Portfolios cater for almost every need.

WHY USE MODEL PORTFOLIOS?

By using model portfolios, our investment committee can focus all their efforts on making sure the funds and managers we use are of the highest calibre. The portfolios are reviewed and updated quarterly to ensure that they remain fit for purpose.

Our governance committee is chaired by the eminent macro-economist, Nick Carn, and provides prudential oversight. Our investment committee continually researches the market and meets with fund managers to ensure our asset allocation decisions remain appropriate for each agreed level of risk.

Lorica has been providing financial planning and investment advice since the 1980s. This level of experience has taught us more than a few lessons. Back in the mid-2000s, we realised that the majority of people simply wanted to understand what they are paying for and have it delivered. We saw what was happening around us, and the pitfalls associated with bespoke investment advice and individual portfolio construction:

  • fund choices never being reviewed
  • a distinct lack of good research backing up decisions
  • active fund managers failing to beat benchmarks and indexes
  • high fees being justified by making things unnecessarily complex