A financial plan starts with understanding what matters to you.

Your circumstances, priorities and aspirations help shape the advice you receive and the financial plan you put in place. Your investments then have an important role to play in supporting that plan over the long term.

At Titan Wealth Planning, our Centralised Investment Proposition (CIP) provides the investment framework behind this.

It brings together investment research, portfolio construction, specialist investment expertise and ongoing oversight. The aim is to ensure your investment strategy remains connected to your financial plan, your attitude to risk and what you want your wealth to achieve.

Starting with what matters to you

We believe investment decisions should start with a clear understanding of what your wealth needs to do for you.

That could mean building wealth over the long term, providing an income in retirement, preserving wealth for future generations or balancing several objectives.

Your Financial Planner considers your circumstances, objectives, time horizon and attitude to risk as part of building your financial plan. From there, an appropriate investment strategy can be recommended.

This is an important distinction. Your investments are not considered in isolation. They form part of a wider plan built around you and the outcomes you want to achieve.

Building diversification into your portfolio

Markets can change quickly and different investments can respond in very different ways.

Different areas of global equity markets can experience periods of sharp falls and subsequent recoveries, while fixed income and alternative investments can behave differently again. No single asset class will necessarily respond to market conditions in the same way.

Diversification is therefore an important part of our investment approach.

Bringing together different asset classes, investment styles and sources of return can help reduce reliance on any single part of the market.

The purpose is not to try to predict every market movement. It is to construct portfolios thoughtfully, balancing long-term opportunities with the risks that come with investing.

Bringing together specialist investment expertise

Diversification can also extend to the investment managers responsible for making decisions within your portfolio.

Within parts of our investment range, Titan Square Mile brings together specialist investment managers with different investment styles, areas of expertise and perspectives.

Our UK equity investment building block, for example, currently brings together seven different funds:

• Artemis Income
• Jupiter UK Dynamic
• Evenlode Income
• Fidelity Index UK
• JPM UK Equity Plus
• Fidelity Special Situations
• Man GLG Undervalued Assets

Combining different approaches can help reduce reliance on any one investment style or strategy and is another way diversification can be built into a portfolio.

Ongoing oversight

Investment management is not a one-off decision.

The investment team continually assesses markets, asset allocation, investment managers and portfolio construction. This provides a disciplined framework for considering whether portfolios remain appropriately positioned.

Sometimes that assessment leads to change. At other times, the appropriate decision is to maintain the existing position.

Our Balanced portfolio provides an example of how positioning can evolve over time. Compared with its strategic asset allocation, the current portfolio has reduced equities and fixed income while increasing the allocation to alternatives.

This reflects the investment team's ongoing focus on portfolio construction, diversification and resilience.

Keeping your investments connected to your financial plan

Markets will change, investment opportunities will evolve and your own circumstances may change over time.

That is why financial planning and investment management need to remain connected.

Our Centralised Investment Proposition brings together diversification, specialist investment expertise, portfolio construction and ongoing oversight. Your Financial Planner then considers that investment strategy in the context of your wider financial plan and the outcomes that matter to you.

It means the focus is not simply on what markets might do next, but on something much more important: keeping your wealth aligned with your financial plan and the future you are working towards.

Have a question?

If you have any questions about your investments, how your portfolio is managed or how your investment strategy supports your wider financial plan, please speak to your Financial Planner. They will be happy to discuss this with you and explain what it means for your individual circumstances.

The value of investments can fall as well as rise and you may get back less than you invested. Past performance is not a reliable indicator of future performance.

This document is for information purposes only and does not constitute personal financial advice. If you are unsure about whether a particular course of action is suitable for you, we recommend that you seek independent financial advice.

The value of investments and the income from them can fall as well as rise, and you may get back less than you originally invested. Past performance is not a reliable indicator of future performance. Tax treatment depends on individual circumstances and may be subject to change in the future. Tax and estate planning outcomes are not guaranteed.

Titan Wealth Planning Ltd is authorised and regulated by the Financial Conduct Authority (FCA reference number: 574458). Registered address: 101 Wigmore Street, London, W1U 1QU, United Kingdom.