Responsible Investment

Sustainability Factors – Investment/IBIPs/Pension Advice

When providing advice, the firm considers the adverse impact of investment decisions on sustainability. As part of our research and assessment of products, the firm will examine the Product Providers literature to compare financial products and to make informed investment decisions about ESG products.  The firm will at all times act in the client’s best interests and keep clients informed accordingly.  The consideration of sustainability risks can impact on the returns of financial products.


We consider the adverse impacts of Investment Decisions on sustainability factors in our Investment Advice and our Insurance Based Investment Advice, both at the initial stages of our research, in our recommendation and annually as part of the investment services we provide to our clients.


As assessment of Sustainability risks are integrated into our investment advice and our Insurance Based Investment Advice through the following means:

  • The Product Information provided to us by the Product Producers and the Insurers on the integration of sustainability risks
  • Our professional interrogation of the information by the Products Providers and Insurers
  • Our in-house Investment Research as we keep our Investment Knowledge current and relevant

This firm will review this approach on an annual basis

Remuneration Policy

When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their product offering.  This will form part of our analysis for choosing a product provider.


We are usually renumerated by commission from the Product Producers and Insurers with whom we facilitate Investment and Insurance Based Investment transactions on your behalf.

This commission payment will not influence our decision to recommend a particular product. We consider how the Product Providers and Insurers have integrated sustainability risks into their investment product offerings prior to making our recommendations to our clients