Independent Financial Adviser · FCA Regulated
Decem Wealth is a specialist advisory practice built around one principle: that consistent, documented, evidence-based oversight is worth more to a client than any single investment decision.
Investment philosophy
01
Returns only make sense in context
A fund that delivered strong returns by concentrating in a single regime is not the same thing as one that delivered similar returns through genuine skill. We assess what was risked to achieve what was returned.
02
Process quality can be observed
A manager who protects capital in falling markets and participates in rising ones, consistently, across different environments, is demonstrating something reproducible. That is what we look for.
03
Consistency under pressure is the real value
Clients do not leave advisers because performance disappoints over eighteen months. They leave because the adviser appears reactive and unable to explain outcomes when it matters most.
Most investment frameworks are designed to manufacture certainty. This one is designed to prevent bad decisions. The worst outcome is not a fund that falls. It is a fund that falls so hard or so confusingly that the client exits before the recovery.
What we do
Portfolio construction
Built around your risk profile and long-term objectives. Fund selection is driven by a systematic, peer-relative scoring process across a governed universe of around 7,000 funds and investment solutions.
Quarterly review
Every fund in your portfolio is scored against its peer group every quarter. The review is systematic, documented, and produces a dated audit record. Not a summary. A process.
Ongoing oversight
Early warning signals are surfaced before performance deterioration shows up in your statement. If something reaches a concern threshold, you hear from me. You do not wait for the annual review.
Documented rationale
Every decision is recorded. Where professional judgement leads to a different conclusion from the model output, that override is documented with a rationale and a review date.
The Journey
Explore how different investment archetypes would have experienced a historic sequence of equity and bond markets alongside your own income, spending and one-off events.
About
I am an independent financial adviser and the founder of Decem Wealth. My practice is built around a single belief: that the quality of the investment process matters more than any individual fund selection.
The framework I have built goes beyond what most advisers use. It is designed to surface evidence, document decisions, and give clients the confidence that their money is being managed with the same rigour expected of the largest investment firms in the world.
We are not trying to build the perfect investment framework. We are trying to build the most consistently defensible one. And to keep improving it in response to evidence rather than fashion.