ODCL Financial Services are committed to providing both new and existing clients with our alternative and specialised investment planning, tailored around the Financial Planning Process. Each individual has different savings and investment needs based on what stage they are at in the Life Cycle - see 'Life Stages' under the Financial Planning tab. Our Investment Philosophy is based on the concept of Modern Portfolio Theory which embraces the concept of 'Diversification' or in more simple terms, not having all your eggs in one basket! We use investment software from a UK based investment firm 'Financial Analytics' to assist us in constructing client portfolios but in all cases, we take account of a number of key issues namely:

• The client's stated objectives
• The level of return required to meet those objectives
• The level of downside risk the client is willing or indeed able to tolerate
• Time Scale
• Affordability

The 'investing part' of the Financial Planning Process is one of the the areas most typically fraught with misguided information and unrealistic investment aspirations. The important part of the process is to determine the level of return required to meet the client's investment objectives and then to construct a portfolio accordingly. Unfortunately, most advisory firms dont adhere to this and are more interested in promoting one investment fund over another or one financial institution over another. While analysing investment performance is part of the investment process, we at ODCL place more emphasis on analysing the clients situation and what they are trying to achieve from their investments.