Network

Saltus

In 2004 Simon Armstrong and Jon Macintosh took a leap – to set up their own investment management company and to rethink some of the norms of the time resulting in these principles:

• To bring investment management services to private clients that were then only available to very wealthy families and institutions.
• To work within pre-determined risk limits so that more clients’ money can be returned over time than they originally invested, whatever the market conditions.
• To invest globally, across many assets classes, unconstrained by industry benchmarks. And as importantly, to choose not to invest in an asset class or investment strategy, if analysis demonstrates there is no merit.
• To search the world to find what they believe to be the best way to access each investment opportunity.
• To use plain English.

Saltus is an independently owned investment management and financial planning company, established in 2004. We currently manage and advise on assets of over £1.3billion. Our clients are private clients and family groups investing their pensions, trusts, investments and ISAs. Our clients come to us direct, typically through referrals from other clients or are introduced to us through financial advisers, solicitors, accountants, consultants and trustees.

We have a team of 90 people based in our offices in London, Manchester, the Solent, Bournemouth and Ferndown.

Our objective is to preserve and grow the wealth of our clients over time, irrespective of investing conditions. We do this through risk based, multi-asset class investing.

Brewin Dolphin

Brewin Dolphin is a UK FTSE 250 provider of discretionary wealth management. With £44.1* billion in total funds, it offers award-winning personalised wealth management services that meet the varied needs of our clients including individuals, charities and corporates.

We give clients security and wellbeing by helping them to protect and grow their wealth, in order to enrich their lives by achieving their goals and aspirations. Our services range from bespoke, discretionary investment management to retirement planning and tax-efficient investing. Our focus on discretionary investment management has led to significant growth in client funds and we now manage £39.1* billion on a discretionary basis.

In line with the premium we place on personal relationships, we’ve built a network of 31 offices across the UK, Jersey and Dublin, staffed by qualified investment managers and financial planners. We are committed to the most exacting standards of client service, with long-term thinking and absolute focus on our clients' needs at the core.

*as at 30th June 2019

Tyndall

Tyndall Investment Management was founded in 2017 by a small team of experienced and like- minded investors, seeking a better way to look after their clients.

We are owner-managed, giving us the freedom to invest against the crowd, and to restrict the number of clients we take on to a manageable number. We currently look after 120 families, investing our own capital alongside theirs.

Tyndall is an investment led firm that takes the best from both private client and institutional fund management worlds, bringing experienced managers together in a setting where they are free to make decisions in the best interests of their clients, to whom they are directly accountable. Our objective is to generate real, above inflation returns in line with our clients’ objectives, time horizon, and tolerance for risk.

In summary:

• We are an independent boutique, entirely focused on our clients.
• Driven by your objectives – not a model.
• We give direct access to those managing your money, and the experience of the team.
• Owner managed, providing long-term stability.
• Longevity advantages of a relatively young team.
• Institutional partners means no small company risk.
• Our money is invested alongside yours.

We are investors at heart, passionate about the power of personal relationships and old-fashioned service, and we are 100% focused on the long-term.

Schroders Personal Wealth

At Schroders Personal Wealth, we want to be more than just a financial planning business. We want to transform the industry and create a society where everyone sees the value of a great financial plan.

Money is just fuel for the rocket, what people really want to do is go somewhere. They have hopes, dreams, fears and aspirations, and we’re here to help them work out where they want to be and how to get there. Through this, our mission is to deliver more advice to more people than any other financial institution.

Backed by of one of the UK’s leading fund managers and one of the UK’s leading retail banks, we have over 400 years’ experience of helping customers get where they want to be. Our advisers are highly qualified, with professional expertise across finance and investments.

We were created to help more people across the UK benefit from financial advice. We have the advantage of solid foundations and a strong heritage but we take a fresh, transparent and personal approach. Our heritage may be 400 years old, but our approach is built for the future.

Our 270+ advisers and 11 Regional Hubs span England, Wales, Scotland and Northern Ireland supporting our core aim of being able to provide a financial advice service which is accessible right across the United Kingdom.

Areas we can support with include:

- Protecting your family

- Investing for the future

- Planning for and managing retirement income

- Passing on wealth

In 2020 we were voted a Top 10 Financial Wellness Consulting/Service Company in the UK by HR Tech Outlook.

Winchester Investment Solutions

Winchester Investment Solutions is an established, owner-managed boutique investment firm, enabling us an added synergy with our clients. We provide individual investment and wealth management services to private clients and businesses alike, offering independent financial advice. We have been trusted by our clients for decades to manage and preserve their wealth, providing a professional and quality service at a reasonable cost.

Our charges are simple and transparent, we offer a tiered system where the more of your wealth we look after, the less as a percentage you pay. As a result, many of our clients have assets across several different types of tax wrappers, including ISA’s, Pensions, General Portfolios and Inheritance Tax investments.

Providing a comprehensive in-house advisory service, where we can offer truly independent advice, ensures our clients and often their children as well, establish longstanding business relationships, built on trust. Our advice being on an advisory basis, not only means we will always outline our recommendations to you before implementing them, so we have an opportunity to outline our strategy, but also our ongoing services are VAT exempt, reducing the fees you pay.

Although every client’s circumstance is different, when it comes to our client relationships and communication, everyone is treated the same, with a one-on-one personal approach. We are very proud of our investment expertise and portfolio performance, irrespective of our client’s attitude to risk, which we attribute to our experience in the investment sector, having guided clients through many a crisis over the last 30 years.

We continue to build close relationships with other Professional Advisers, looking after their client’s needs, while maintaining clean lines of communication. If you are looking for a comprehensive and professional wealth management service, which provides in-house independent advice, without involving a third-party adviser, while offering a fair charging structure, then we would welcome talking with you.

Winchester Investment Solutions Ltd is directly regulated by the FCA. Firm no 498988.

Charles Stanley

Charles Stanley is one of the UK’s leading wealth managers, with £24.4 billion of client funds under management and administration (at 30 June 2019).  It is one of the oldest firms on the London Stock Exchange with origins as far back as 1792.  It provides holistic wealth management services direct to private clients, charities, trusts and professional institutions.  It also works with financial advisers, legal, accountancy and other professional services firms, supporting them with their client objectives.  

It is dedicated to providing clients with the highest standard of service and peace of mind at every step of their financial journey, delivered by over 800 staff located in 27 offices across the country.  Its services comprise:  

• Investment Management Services, offering personal discretionary, advisory and execution-only services.
• Asset Management, providing a range of pooled funds and bespoke solutions
• Financial Planning, advising clients on how to plan their finances to meet current and future lifestyles
• Charles Stanley Direct, an award-winning digital execution-only platform

Charles Stanley & Co. Limited is a wholly owned subsidiary of Charles Stanley Group PLC – a public company whose shares are listed on the London Stock Exchange.  

Charles Stanley Direct

At Charles Stanley Direct, we give you the tools to take control of your investments. With a wide range of investment choices at your fingertips, expert investment ideas, personal finance guides to help you consider your overall financial situation and on-the-go access via our app and online platform, we’ve laid the foundations to help you achieve your financial objectives. If you are a first time investor or are short of time, our preferred fund list and Foundation Funds and Portfolios are designed to make investing quick and easy whilst giving you access to the expertise of our in-house analysts and portfolio managers. For those who want to build their own portfolios, you can invest into Funds, UK and Overseas Shares, Investment Trusts, Gilts, Bonds and Exchange Traded Funds. And to ensure you make the most of your savings, you can shelter your investments from income and capital gains tax with a SIPP or Flexible ISA.

Backed by Charles Stanley, one of the UK’s leading Wealth Management firms, you can feel confident your investments are in safe hands. With a heritage that dates back more than 200 years, our people have successfully navigated times of great progress as well as varied and challenging economic conditions, and continue to push the boundaries of technical and professional development today. Charles Stanley Direct is a product of this commitment and the dedicated team behind this continue to demonstrate innovation and forward-thinking, whilst placing our clients at the heart of every decision we make.

If you are interested in finding out more, you can find us at: Charles Stanley Direct

Rathbone Greenbank Investments

Rathbone Greenbank Investments is the specialist ethical, sustainable and impact investment team of Rathbone Brothers Plc. We provide a bespoke investment management service to an ever-growing range of private clients, trustees and professional advisors.  We have over twenty years’ experience working in the responsible investment field and manage assets worth in excess of £1.7 billion*. 

Our vision is to be the natural home for investors seeking to align their investments with the change they want to see in the world.  Our investment teams work to understand each client’s unique financial aims, as well as their ethical, sustainability and impact requirements, in order to create an investment proposition that is aligned with their values.

The Greenbank ethical, sustainable and impact research team looks in detail at both what a company does and how it operates, assessing performance against some 300 social and environmental criteria. We can apply a range of techniques to selecting investments to suit different client needs. These include screening out issues of concern and choosing investments that are contributing to a sustainable society or a specific issue, for example, the low-carbon energy transition.

The investor voice is a powerful means to influence and direct the ways in which companies are run. That is why taking an active approach to our share ownership of companies through engagement forms a key part of the Greenbank service. For the last 20 years we have influenced company performance and wider policy-making on issues such as climate risk, modern slavery and health and nutrition.

*As at 30 June 2020

Wealthify

Wealthify is a brilliantly simple investment platform designed to break down barriers to investing. Our mission is to make investing as accessible as possible by delivering a straightforward, jargon-free experience.

Backed by Aviva, our Defaqto 5 Star rated investment service offers an easy and effortless way to invest as much or as little as you like. With no minimum investment, low fees, and access to your money 24/7, Wealthify allows customers to begin their investing journey in just a few taps.

To get started, simply choose how much to invest, and select the risk level you’re most comfortable with. We’ll do the rest – from picking the right investments to managing and optimising your plans on a regular basis.

And that’s not all! With Wealthify, customers are always in control. You can check how your investments are performing on your dashboard at anytime, anywhere. And everything can be done digitally – from setting up a Direct Debit to contacting our Customer Support team via Live Chat.

Not only do we provide award-winning General Investment Accounts, Stocks and Shares ISAs and Junior ISAs – we also give our customers the option to make their investment plans ethical, so your money gets invested in companies that are committed to driving positive change in society.

At Wealthify, we aim to revolutionise the investment world and want to shape a world where everyone can take control of their financial lives without hassle – so you can spend more time doing what you love.

If you are interested in finding out more, you can find us at: Wealthify

Canaccord Genuity

Canaccord Genuity Wealth Management (CGWM) is an award-winning wealth manager, providing fully integrated investment management and financial planning services to private individuals, corporations, charities, family offices and intermediaries.

Ranked as a top 10 independent UK wealth management firm, CGWM is proud to offer highly experienced investment management and financial planning professionals, who each provide a direct and personalised service with the goal of preserving and growing your wealth. Understanding your risk objectives and wealth aspirations is paramount to our offering. Together we will work to build a long-term strategy to meet your financial requirements.

With enough size and scale to deliver experience and expertise, we also strive to provide efficient and effective investment management. This includes a clear and comprehensive online reporting. We have 12 regional offices across the UK, Channel Islands and the Isle of Man, enabling us to provide both a local and international service. We employ over 500 staff to work across a diverse spectrum of financial solutions, with portfolios available in a range of different currencies.

CGWM is part of the wider Canaccord Genuity Group that is a leading financial services firm with an international presence and is publicly traded on the Toronto Stock Exchange

Ruffer

Ruffer is a discretionary investment manager with a distinctive approach to investing focused on capital preservation.

We have a single investment philosophy and strategy, with all our clients following the same approach, regardless of the size of their portfolio. Our focus is on delivering consistent positive returns, irrespective of how the financial markets perform. We aim not to lose money in any 12 month period and grow the value of our clients’ assets over the long term.

We have a strong track record of protecting and growing the value of our clients’ assets. Over the last 25 years, we have achieved returns ahead of inflation and the UK equity market with less volatility. Our approach has been successful in protecting our clients through the bursting of the dot.com bubble, the credit crisis and so far through the current coronavirus crisis, and we aim to continue this success, whatever the future holds.

Most of Ruffer’s clients are individuals and families. We manage personal portfolios, assets held in trust, ISAs and pensions, including Self-Invested Personal Pensions (SIPPs).

In an industry dominated by standardised products, we aim to be distinctive with an ethos of service. To that end, every client of Ruffer has direct access to a dedicated portfolio manager who invests on their behalf and who is on hand to answer any questions.

Close Brothers Asset Management

Close Brothers Asset Management is one of the UK’s largest and longest established providers of high-quality financial advice and investment management. We manage over £13.7 billion* on behalf of private clients, families, professionals, business owners and charities.

We are part of the Close Brothers Group plc, a FTSE 250 leading UK merchant banking group, providing lending, deposit taking, wealth management services and stocks and shares trading.

In the complex world of money and investing, we provide clarity and a clear direction.

Our clients rely on us to look after their wealth – in many instances their entire livelihoods, everything that they have earned in their working lives. In effect, they give our team the privilege of looking after what is probably the most important thing in most peoples' lives after their personal health and their families.

We are active investors and seek to add value through both tactical asset allocation decisions and individual security selection. This process involves tilting the mix of asset classes in different market conditions and then expressing our views by selecting the most appropriate investments.

We invest according to market conditions today, but also within the context of a long-term strategic framework. Our process focuses on delivering an optimal combination of income and growth within an agreed tolerance for risk.

We believe the best way to deliver real returns and reduce risk is through diversification – investing across asset classes, global regions and types of investments.

*19^th November 2020

Eight Wealth Management

As one of the leading financial advisory firms in the South, we help our clients get the most from their money in order to enjoy every stage of their lives.

Present Performance

Are you confident your money is achieving its full potential?

From investment planning and saving arrangements, to financial reviews and tax efficiency, our highly experienced wealth management consultants offer you the opportunity, transparency and accountability for financial peace of mind.

Planning for the Future

What do you want for your future? Early retirement? Pursuing passions?

Whether reviewing and forecasting your pension, or helping you plan for a ‘Happy Retirement’, including discussions about long term care, we believe our job is to listen to what you want, and maximise your resources to make it a reality.

Taking Care of Family

Are loved ones reliant on your income? Want to provide help for the next generation?

We can advise on income protection, inheritance tax and financial schemes including pensions and ISAs for children so that you can still take care of loved ones in the event of illness, accident, lost ability to work or your passing. With branches across Buckinghamshire, Hampshire, Dorset, and the Isle of Wight, Eight Wealth Management is a Principal Partner Practice of St. James’s Place and was one of the first to be awarded full Chartered Firm Status with the CII.

The Value of an investment with St. James's Place may fall as well as rise. You may get back less than you invested.

Taxation rules can change at any time and are dependent on individual circumstances.

Eight Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

Walker Crips Investment Management

Walker Crips predecessors first bought and sold shares for clients on the London Stock Exchange in 1914. Through acquisitions, the company can now trace its roots as far back as the 18th century, making it one of the City of London’s oldest independent companies.  

Walker Crips is a constantly evolving presence in the financial services industry. Being one of the first stockbrokers to expand their services online in the early 90’s and spotting the benefit for their customers to have access to their own PEPs, now ISAs, they became a fully listed plc in 1996. They have widened their financial services offering with their Pensions and Wealth Management divisions and continue to diversify by recruiting and supporting great talent, such as the successful divisions of Investment Management and Structured Investments. 

As an independent investment manager, who is not tied to any existing funds or products, they can offer you transparency and flexibility to ensure that your objectives are met efficiently and successfully. They have no links, obligations, or commitments, that constrain our freedom in offering you the very best advice and personal service possible.

Due to their wealth of experience and highly qualified staff that work in their offices, they offer support and advice in the matters that are important to you, your family and even your business.  

However proud they are of our achievements and successes, it is the achievement of your success that drives them forward and pushes them to evolve to ensure they continue to look after you, and your investments.  

Altus

Altus was established in 2004 to provide clients with a full-service investment solution unbound by the vertical models of the large private bank and wealth management platforms. We invest across all asset classes with a particular expertise in strategies with a low correlation to bond and equity markets. We employ an experienced team of professionals with a strong track record of delivering downside protection for clients and experience in sourcing and analysing alpha-generating and esorteric investments on a global basis. We are regulated by the UK’s Financial Conduct Authority.

Bestinvest

It was back in the 1980s when Bestinvest first earned its reputation as both a pioneer and consumer champion, with the launch of a service that made investing affordable and accessible to anyone. This spirit lives on in the service we provide to clients today.

Through our award-winning, cost-effective Online Investment Service, we provide everything you need to choose and manage your own investments. It’s easy to buy, sell and review investments. There are more than 2,500 funds available plus ETFs, investment trusts and almost all UK shares. If you would like to research investments or need inspiration, you’ll find detailed fund factsheets as well as a wide range of articles and guides.

Even if you prefer a more hands-off approach to investing – because you don’t have the knowledge or perhaps the time needed – we can help. We offer Ready-made Portfolios that are chosen and managed by our investment team, so once you’ve bought one, you don’t need to make any further investment decisions. 

Bestinvest has won a large number of awards, including Best Investment Platform for three consecutive years at the Investors Chronicle and Financial Times Investment and Wealth Management Awards.

Click here for more information.

Raymond James

Raymond James Thorpe Park Leeds was established in 2015, by Branch Principal Rupert Forrest, to serve the investment needs of business people in the North of England and their families.  Since that time it has grown and expanded its geographical reach.  We are a thriving business providing bespoke, independent investment and wealth management services to our clients whom we are proud to serve.  We build genuinely long-term relationships and work inter-generationally to achieve the best possible outcomes for our clients. We put a premium on face to face relationships and unlimited access to wealth managers.

Our aim is to help our clients with the management of their financial affairs with integrity and understanding. We take a holistic approach, working with clients alongside other industry specialists to deliver integrated solutions that ensure their financial goals are met.

Raymond James Thorpe Park Leeds is branch of Raymond James, a business that was established in 1962, and has operated in the UK since 2001.  Raymond James is a Fortune 500 company, listed on the S&P500, with more than 3,000 locations throughout the US, Canada and UK. At 31 March 2020 it had a market cap of $10bn and $774bn in client assets. It is a conservatively run business that provides the compliance, supervision and administrative services that support our branch. 

Smith & Williamson

For over a century, we have managed the financial affairs of private clients and their business interests. With over 1,700 people in 12 offices in the UK, Ireland and Jersey, we are a leading investment management business and one of the UK’s ten largest accountancy firms. Clients, whether individuals or companies, value our ability to provide tailored financial and professional services to enable them to achieve their ambitions.

The core of our private client service is discretionary investment management of bespoke portfolios. This gives you the peace of mind that your portfolio is being expertly managed on your behalf within agreed parameters carefully matched to your objectives.

You will have direct access to your investment manager and the team who manage your portfolio. This means you can always pick up the phone to someone who will be familiar with your investments.

Taking time to understand your situation is at the heart of our approach. Your investment manager will help you define your objectives, taking into account your current, short-term and long-term requirements. We will construct a portfolio to suit your current needs but recognise that circumstances can change and maintain the necessary flexibility to reflect this.

We will work closely with your other professional advisers where required to help ensure you receive a co-ordinated service.

Cazenove Capital

Cazenove Capital offers a complete wealth management service, delivering tailored portfolio management, wealth planning, banking and lending services to private individuals, family offices, trusts, businesses and charities.

As the wealth management business of Schroders, our significant family ownership and financial strength enables us to genuinely take a long–term view and focus on the needs of our clients. Each of our clients has unique financial requirements and objectives, but all have a common goal – to preserve and grow the value of their wealth.

We explore each client's needs in detail and advise them on the most suitable financial solutions for their particular circumstances. Our client communication and reporting is effective, clear, flexible and comprehensive. We also have efficient custody, administration and online reporting platforms which enable clients to centralise their financial affairs with us with confidence.

Overall, we believe that our complete range of services and the quality of our private client specialists, together with the stability and depth of investment resource of the Schroders Group, gives us an unparalleled ability to look after our clients.

The Wealth Management division's headquarters are in London. We have regional offices in Chester, Edinburgh and Oxford. We have international offices in Guernsey, Jersey, Geneva, Zurich, Frankfurt, Gibraltar, Hong Kong and Singapore.

Cazenove Capital is a trading name of Schroder & Co Limited.

Manorbridge Investment Management

Manorbridge Investment Management is a specialist private client practice, aiming to achieve strong investment returns for our clients over the longer term. All of our portfolios are unique for the individual and we do not believe in putting clients into boxes or shoehorning them into a model. This way we try to ensure the investments are exactly right for both the client’s circumstances and the prevailing market conditions, not only at the outset, but for many years ahead. Being independent we are not constrained by central buy lists or management strategy, so we will only buy what is best for the client and their individual circumstances.

We pride ourselves on the level of personal service we provide and we never forget the client is at the heart of everything we do.

Having spent many years working for larger organisations, the three founders set-up Manorbridge Investment Management in 2018, helping to ensure we can maintain our approach to investment management, whereby we retain the traditional values of looking after clients in a bespoke and personal manner.

JM Finn

We look after our clients' wealth so they can nurture their passions.

Offering a high quality, personalised wealth management service, we look to guide our clients through the increasingly complex investment world to help them realise their lifetime goals. Integrating our wealth planning expertise with our investment management heritage ensures JM Finn can provide an appropriate service for your needs.

With a dedicated investment manager as your main point of contact, our personal approach allows for a responsive and flexible service to cater to changing investment needs. Thanks to a rich history of managing family investments, we can tailor our services to suit investors' differing needs across multiple generations via a generally conservative approach to investing, which typically sees us seeking returns over multiple market cycles, as opposed to targeting quick gains.

With over 100 investment professionals, we look after £9.3 billion of funds on behalf of over 18,500 clients (as at 31st March 2019).

It is important to remember, that the value of investments, and the income from them, can go down as well as up and that past performance is no guarantee of future returns. JM Finn is authorised and regulated by the Financial Conduct Authority (FCA).

LGT Vestra

At LGT Vestra we never lose sight of the fact that it is your money that we manage. Our processes are based on achieving your goals while working entirely within your risk parameters. To create a return for you we cannot avoid risks, but we need to make sure these are in line with your willingness and capacity to take risk. As a firm that understands the importance of personal relationships, we are always happy to adapt to your individual requirements. We manage BESPOKE portfolios. Above all, we believe clients are individuals and that the portfolio should fit the client, never the other way around. When we state BESPOKE we mean it.

We prefer an ACTIVE approach to investment management. We employ a wide range of asset classes and are ready to make changes to portfolios as and when necessary. We seek out active managers who add real value to portfolios. Where we feel there are no suitable active alternatives, we will buy funds that track investment indexes. Creating above average risk adjusted returns is a key performance criterion. We will work with you to develop a suitable benchmark to measure your portfolio performance.

Waverton

Waverton Investment Management is an independent investment management company, dedicated to providing a high quality service for private clients. Our business is discretionary investment management and we also offer integrated financial planning advice through our group company Timothy James & Partners. Our resources are focused on achieving one aim - generating superior investment return for our clients. We have been successfully managing portfolios for private clients for decades, so we understand that all clients have different investment profiles and require a personal approach. In our opinion, this is best achieved by portfolio managers rather than relationship managers. Our portfolio managers work directly with you, so they can gain a deep understanding of your situation, drawing on the experience and insight of the wider team when required. Absolutely central to our philosophy is a highly bespoke, flexible service.

For the majority of our clients we prefer to invest directly in equities. We have a clear and pragmatic investment process that has a global bottom-up approach to security and fund selection combined with an asset allocation overlay

Clients come to us from across the UK and our expertise include:

• Portfolios covering a variety of risk profiles, asset classes and in multiple currencies
• ISAs, trusts and personal pensions
• Private family funds and other family investment vehicles
• Responsible investing portfolios

Waverton also has a great deal of experience in managing portfolios for international clients and for those who are resident in the UK but who are foreign citizens, including US citizens.

Gore Browne Investment Management

Gore Browne Investment Management, is a leading investment company providing investment services for private clients, family trusts, charities, pension funds and professional advisers. GBIM was established as a partnership in 2004 and incorporated in 2013.

We believe that trust, a personal touch and the ability to respond to individual requirements are of vital importance to clients. Our success and reputation is built on a simple but increasingly rare commitment to superior client service. GBIM was founded on Six Principles and they still apply today. We will always put the client first at all times and treat each one as an individual; provide personal attention to every client; have no conflicts of interest; diversify the risks and opportunities in portfolios; ensure that all costs are explicit and that all clients are looked after by at least two managers

This commitment to clients was the major reason why the founders established the original partnership with its core principles. All GBIM investment managers put their clients’ interest first, by following these core principles.

Attention to detail, openness and accountability are fundamental to what we do. We have no ties to banks or other financial institutions.

GBIM is an owner-managed boutique, with all the benefits for clients that this implies. With offices in Salisbury and Harrogate, the business has clients all over the UK, and abroad.

With assets under management of now circa £550m, GBIM was founded on these Six Principles and they still apply today.