Back to all demosLT Finex demoDownload LT Finex on ltheme.com

Introductory meetings Monday to Thursday, at the office or by video (sample)

(555) 024-6100

[email protected]

Portfolios run at the level of risk you choose

Alder Row Investment Management (sample) runs investment portfolios for private clients, families and charities in Springfield. We agree a risk level with you, from 1 to 7, and keep your portfolio there.

Book an introductory meeting
How we set your level

Our portfolios on the seven-level risk scale (sample)

Levels 1 to 7

1

Shares 0%, bonds 30%, cash 70%

Cash reserve

0 / 30 / 70

2

Shares 20%, bonds 65%, cash 15%

Defensive

20 / 65 / 15

3

Shares 35%, bonds 55%, cash 10%

Cautious

35 / 55 / 10

4

Shares 55%, bonds 40%, cash 5%

Balanced

55 / 40 / 5

5

Shares 75%, bonds 20%, cash 5%

Growth

75 / 20 / 5

6

Shares 90%, bonds 5%, cash 5%

Adventurous

90 / 5 / 5

7

No portfolio at this level

None

We do not run a portfolio at level 7. Single-country and single-sector funds usually sit here.

Lower risk, usually lower returns

Higher risk, usually higher returns

Shares Bonds Cash Figures: shares / bonds / cash, in percent (sample).

The value of investments can fall as well as rise, and you may get back less than you put in.

Who we work for

Most clients have between $100,000 and $3 million to invest (sample), and want one person who knows their portfolio and answers the phone.

Private investors

Savings from a business sale, an inheritance or years of putting money aside, invested for the long term.

See the portfolios

Saving for and living in retirement

Building a pension pot, then drawing an income from it without running it down too fast.

Retirement savings

Families and trusts

Money held for children or grandchildren, with trustees who need clear reports.

Talk to us

Charities

Reserves and endowments run to a written investment policy agreed with the trustees.

Charities and trusts

How we set your risk level

Before we invest anything, we agree where your money should sit on the scale. Four steps, and the last one repeats every year.

1

A questionnaire

Twelve questions about how you feel when markets fall. It takes about fifteen minutes and gives a score.

2

Your capacity for loss

We look at your income, other savings and when you will need the money: how big a fall you could live with, not only how you would feel.

3

A level we agree

We explain where both answers point on the scale from 1 to 7, and you choose the level. It is written into your agreement.

4

A review every year

Lives change. Each year we ask the questions again and move the portfolio to a new level only if you agree.

The questionnaire is the same for every client (sample).

More about risk levels

What is inside a portfolio

Every portfolio is built from the same three parts. The level on the scale decides how much of each it holds; rebalancing keeps it there.

How we invest

Shares

Part-ownership of companies, through funds that hold hundreds of them. Shares move the most, up and down, and are the main reason a portfolio sits higher on the scale.

Bonds

Loans to governments and large companies that pay interest. They usually move less than shares and often steady a portfolio when shares fall, though not always.

Cash

Deposits and very short-dated bonds, kept for withdrawals and fees so we never have to sell at a bad moment to pay them.

Rebalancing

Markets pull a mix away from its level. Twice a year we sell a little of what has grown and buy what has fallen behind, so the portfolio stays where you agreed.

Fees, in plain figures

One annual fee, a percentage of what we look after, taken monthly from the portfolio. The rate falls as the portfolio grows.

First $500,000

0.90% a year

Next $500,000

0.70% a year

Above $1 million

0.50% a year

Fund costs (average)

Charged inside the funds we buy; shown on every statement

0.20% a year

Joining or leaving

No charge

Example prices. Minimum portfolio $100,000; ready-made portfolios from $25,000 (sample).

What the fee includes

  • Your own portfolio manager and a direct phone line
  • Running and rebalancing the portfolio
  • Quarterly statements and an online valuation
  • A review meeting every year
  • Tax reports for your accountant each spring

On a $400,000 portfolio the fee is $3,600 a year, plus about $800 of fund costs (example).

Fees in detail
A woman checking figures on a tablet at a desk by the office window

What you see, and how often

No guessing about where your money is. You can check the portfolio any day, and we write to you every quarter.

  • A statement every quarter: holdings, mix, fees and every trade
  • An online valuation, updated each working day
  • A review meeting once a year, or sooner if you ask
  • A tax report each spring for your accountant
Book a meeting

The people who run your portfolio

A small team, so you always speak to someone who knows your portfolio. Every client has a named portfolio manager.

Helen Marsh

Chief investment officer (sample)

Chairs the investment committee and looks after charity clients.

David Okoye

Portfolio manager (sample)

Private clients and families; runs the Balanced and Growth portfolios.

Priya Natarajan

Portfolio manager (sample)

Retirement clients and the Cautious and Defensive portfolios.

Tom Lindgren

Client services (sample)

Statements, transfers, paperwork and the first call when you ring.

Names and roles (sample).

Meet the team

Market notes

All market notes

Visit the office

22 Alder Row, second floor
Springfield (sample)

Monday to Thursday

09:00–17:30

Friday

09:00–16:00

Evening meetings

By appointment

Opening times (sample). Step-free entrance and a lift to the second floor.

Get directions
Map of the streets around 22 Alder Row
© 2026 LT-Finex. Investment management Joomla template by LTheme

Introductory meetings Monday to Thursday, at the office or by video (sample)

(555) 024-6100

[email protected]

Book a meeting