For KMG, a client relationship is not entered into lightly. It is the basis for a long-term relationship, taking into account every foreseeable economic and political circumstance - and the likely influence on the client's financial planning. KMG's philosophy is to look to the whole solution, providing immediate advice and instruction with long-term reference to the future.

We start with the basic premise that every client is an individual - with special needs and highly personalised requirements. In all such personal relationships, regular contact forms a key to ensuring that investment portfolios and arrangements keep pace with changing circumstances and times.

KMG relies on regular contact. This is vital to ensure that opportunities are not missed, for we are always concerned to select the solution that is most appropriate to the individual, rather than simply recommend products which may, in themselves, be attractive. Only by establishing the all important personal relationship can both the client and ourselves be satisfied that the right decisions are being made.

In designing and managing portfolios, we strive continuously for tax efficiency, taking account both of immediate and prospective taxation.

Tax avoidance goes hand in glove with simple and effective trusts, wills and legal arrangements and we have developed significant in-house expertise in all these areas.

We recognise that investment management is not only about good performance but, just as critically, about low costs and charges.

Capital needs efficient management, to avoid tax problems, and provide security for families and estates, both now and in the future.

In every case, KMG will be pleased to consult and advise you accordingly.