Dexterity is a limited company; set-up in 2009 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.jpg

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.

  • 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.

  • 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.

  • 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".

  • You can buy our advice ad hoc, without becoming a long-term client.

  • For investment projects, we charge not by percentage but by time.

  • 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).  With this article from MoneyWeek we are in full agreement.

  • 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). 

  • 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.

  • 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.