Dexterity is a privately owned-and-operated business with a healthy balance sheet, zero borrowing, no investors and complete independence.
We offer our clients the benefits of our experience - to save them making the mistakes we’ve made, as well as to share the value of our successes.
We aspire to be in business for many years to come.
I founded Dexterity in readiness for the regulator's 2012 rules abolishing commission and to align with the most modern practices; chiefly the internet, online investment platforms, and Exchange Traded Funds (ETF).
Dexterity is also an administrator of pensions for small companies; and offers trusteeship for those who prefer to delegate that responsibility.
We are a two-man team, and happy to remain so because, in highly-regulated activity, small is most simple and cost-effective.
an electric scooter in 1916
How we're the same as others
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Directly regulated by the FCA. That means we have no association with any other IFA, and are personally - and forever - accountable to the FCA for every piece of advice we give.
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We find people would prefer to meet a person than a robot. We enjoy a rapport, and aspire to a long-term relationship with each of our clients.
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We are what FCA calls 'independent', not 'restricted'. That means you can expect us to consider and recommend from all kinds of retail-investment products, from all firms across the market; to meet your own needs, and fulfil your own objectives: unrestricted and unbiased.
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As a foundation for anyone's portfolio, we recommend a smoothed, defensive investment fund. You can read our Principles of Investment and of Risk Management here.
How we're different from most
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We hold ourselves accountable to a code of conduct, which in summary pledges, "Nothing will we say or do, that we wouldn't appreciate you saying or doing to us".
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You can buy our advice ad hoc, without becoming a long-term client.
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For investment projects, we charge not by percentage but by time.
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Believing simple, transparent and low-cost investments will fully meet the needs of most investors, we specialise in index-trackers known as Exchange Traded Funds (ETF).
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With evidence that a 'responsible' portfolio performs as well as (or better than) one of 'sin' stocks, we encourage clients to invest with a focus on the environment, and social & corporate governance (ESG).
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We offer a model portfolio of our own design; investing in a selection of global, distinct themes, using 12 ETF, in equal portions. They include Healthcare, Clean Energy, Fresh Water, Cyber Security, Gender Equality, Innovative Technology, Diversity & Inclusion. In the blog you'll see how the portfolio is doing, compared to three benchmarks: UK, World and cash.
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The Dexterity portfolio is operated by an online stockbroker (AJ Bell plc). AJB pays nothing to Dexterity, and makes all the transactions free-of-charge.