Our Service

We provide a focused and personal service, which has been refined over the years to suit the needs of our clients. Our comprehensive approach focuses on you, as our individual and valued client.

A holistic approach that focuses on you

We manage portfolios using a series of risk rated and diversified asset allocation models that are designed to give clients exposure to the most suitable investments across a number of asset classes (equities, fixed income and alternative asset classes – such as property) that meet their risk attitude and approach to investing.

In addition to our core discretionary investment management, the portfolio structuring service encompasses financial planning, broader advice on structuring your holdings, as well as guidance on drawing income or capital as efficiently as possible, over time and for tax efficiency.

Our service is “restricted” in regulatory terms to providing advice in three key areas:

  • Funding portfolios – This can be by way of transfer and consolidation of existing portfolios, pensions and ISAs, or by funding pension or ISA contributions and investing previously un-invested cash
  • Managing investments within portfolios
  • Drawing down from portfolios – We advise on the most efficient way to draw income and capital from portfolios

Getting to know you

At our first meeting with you, we will assess your current situation, and consider the following:

  • Current assets
  • Previous experience of investing
  • Future objectives
  • Commitments and liabilities
  • Time horizon
  • Personal attitude to risk

We will then formulate a long-term investment strategy that meets your criteria and is designed to deliver the outcome that you expect.

 Formulating a long-term strategy that meets your criteria

Working alongside you

Too many investment managers expect their clients to maintain a long-term perspective towards their investments, but do not make the same effort to keep up with their clients’ evolving lives and situations.

However, just as financial markets don’t stand still, we recognise that your life and your circumstances will continue to develop. We expect our relationship with you to develop over time as your life and situation evolve.

 We expect our relationship with you to deepen over time

Communication & reporting

We work to build up a meaningful long-term relationship with each of our clients. This relationship is built on trust and a genuine understanding of their objectives and priorities. We always welcome dialogue with our clients, whether through informal, ad-hoc communication or at one of our six-monthly review meetings.

New clients quickly become known to the entire team. Every client is supported by two named contacts within the organisation: their Investment Manager and their Portfolio Manager. In turn, they are supported by our Analysts, Administrators and PAs.

 A meaningful long-term relationship built on trust

Clients receive a quarterly Portfolio Valuation detailing performance, valuation, asset allocation, performance attribution and a summary of cash and transactions. This information is accompanied by our quarterly Investment Brief which provides insight into the events that have shaped the previous few months’ portfolio performance.

We produce monthly Market Commentary and analysis on financial markets to help keep our clients abreast of current events, our investment outlook as well as any changes to our perspectives. Click here for more information.

 Comprehensive and clear reporting

Our clients

We are proud of the diversification amongst our client base, including professionals and independent individuals alike. To us no client is more important than another; we work hard to ensure you feel valued by us. Our clients include:

  • Professional partners in law firms & top tier accountancy firms
  • Retired individuals
  • Senior executives in FTSE 250 firms
  • Business owners/entrepreneurs
  • Companies
  • Institutions
  • Trusts
  • Individuals with settlements from divorce or personal injury
  • Individuals referred from IFA’s or other professionals

If you are seeking a new investment manager and would like a personal reference, we will be happy to arrange for you to talk to one of our existing clients. Click here to read testimonials from a number of our current clients.

 No two clients are the same, we appreciate your individual requirements

Testimonials

Simon Abbas


Have you ever felt Let down? Betrayed? Exploited? Disillusioned?

Well that’s how I felt about the financial services industry and the various professional advisors I had come across over some 30 years of being in business.

A few years ago, my wife and I were faced with perhaps one of the most difficult decisions of our lives.

We had over 20 years developed a successful and profitable business, we like many people had experienced the highs and lows of business ownership and felt directly the demands it placed on us as individuals and as a family.

We had concluded that maybe it was time for a change and to search for a quality of life we had lost and perhaps regain that most precious of commodities “Time”.

The question was should we sell a proportion of our business interests and invest our time in a new way of life?

It was truly one of the most difficult and agonised decisions we had considered. After much deliberation, we sold up and set our assets to work in a different way.

Following the sale, we quickly realised we were unhappy with the IFA we had appointed to manage our investments.

There was a fundamental flaw in the service we received, quite simply it was designed to benefit the advisor and investment houses concerned rather than us. We the clients felt we were secondary and often regarded as fools, perhaps even an inconvenience now they had our funds under management.

At such a critical time in our lives we were not willing to accept the unacceptable and gave notice to our advisor.

At the same time a trusted friend suggested we speak to his financial advisor that firm being Dart Capital.

What a breath of fresh air it was to sit and speak to a firm who it seemed had our best interests at heart.

We quickly found that our contacts within Dart, Chris and Andrew, were hard working honest people who told it as it was.

No false promises to get a sale, no telling us just what we wanted to hear.

Plain and simple honest advice and if they didn’t know the answer they could find someone who did.

Within Dart we have someone we can speak to if we have concerns, someone who has taken the time to get to know us and understand our situation and our personalities.

Dart are quite simply the best financial advisors I’ve come across in 30 years and believe me I’ve tried a few, from the world of private banking to some of the most highly rated investment houses in the city.

This firm doesn’t pretend to be something it’s not, it offers good solid advice, the staff care and are interested in our continued success. We consider them as friends.

David Barnardo OBE


I am a retired Consultant Physician who had an extensive private practice and was also a former Chair of the charity Barnardo’s.

Richard Whitehead was introduced to me personally on the retirement of my accountant (who thankfully insisted that I start preparing for retirement from my earliest professional days) and Richard has looked after my portfolio and financial planning for the past ten years or more. I am eternally grateful for this recommendation.

During these years Richard and I have built an excellent working relationship which has provided me not only with extremely competent financial management, but also with timely advice and professional colleagues to assist me in dealing with the complexity of dependant relatives and the need for comprehensive financial planning across the family.

I was delighted when I heard that Richard had taken the decision to buy Dart Capital and further develop it into a company that reflects the values that Richard stands for. I would certainly recommend Dart Capital to people like me who are looking for a long term professional relationship where mutual trust and personal attention are allied to evident competence and high ethical standards.

Antony Constantinidi


Dart has been transformational for me. As a partner in PwC I had been struggling to find a single adviser who could pull my disparate affairs together ranging across myriad personal pensions and a number of different clusters of investments managed reactively.

The background of Dart ensured that they understood these particular issues (and the firm behind them) and with a questioning attitude I agreed to let them review my affairs and make recommendations. The result was that at last, here were people who spoke the same language, fully understood where I was coming from, and were competitive, transparent with costs and independent. So we set to work transitioning everything across, consolidating pensions and investments. Once completed, smoothly and efficiently, we could look at the entire financial picture as one and make strategic, informed decisions. Chris Bellchambers has helped us through this and has been great at getting underneath the skin of what I and my family are looking for.

Most of our children have subsequently moved across because they are looking for the longterm relationship which Dart offers together with a matching age profile to give them confidence so they don`t feel intimidated. Chris has built trusting relationships with us all and Dart keeps us up to speed with issues across the spectrum which should be considered and factored in.

I am now some 6 years into retirement and enjoy the benefit of knowing that here at Dart are a team which know me, my family and our goals and outlooks. They coordinate our financial affairs, assist thinking through tax, estate planning and of course investment strategy. They take the initiative when needed, are responsive, good fun and deliver on investment performance.

Simon Hulme


I am a high net worth individual, who has made my money building up businesses in the past. Managing the money I have made is complicated and requires a completely different skill set to making it in the first place. I do not have sufficient of these skills myself.

I have found the team at Dart Capital to be highly responsive and capable. They have given me sound and practical advice, and have carefully tailored my portfolio to my own family’s requirements. They are prepared to take the time to listen. Their charging is transparent, and their administration very efficient – which cannot be said for all wealth managers.

I have always been a people person, and believe that to get the best results from them it pays to invest in them. In my opinion Dart Capital is a success because they have recognised this and as a consequence have staff who understand the meaning of excellent customer service.

Paul McNeil


Partner – Field Fisher Waterhouse

I am a lawyer and have been a client of Dart Capital for 10 years. They are excellent at proactively managing my portfolio. I like the fact that I am included in the decision making process. Each year they ensure that I add the maximum to my pension portfolio and they manage it in accordance with the agreed strategy.

I have been impressed by their attention to detail when selecting investments. They have been particularly diligent in ensuring that the administration is smooth and the costs are clearly disclosed and are kept to a minimum.

I understand that Dart Capital manage the affairs of a number of the partners within my firm and the feedback is always positive. I recommend their service to any busy professional who wants to be able to delegate their affairs to a proactive, sympathetic and professional adviser.

Carl Michel


Richard provides valuable investment insight – he is always consistently well prepared, enjoys being challenged and is highly adept at moving beyond mere synthesis to really seeking to interpret, analyse and (of course) recommend.

I like the fact that Dart owes no ties to any providers of products – this gives them unusual objectivity while the fee structure is transparent and fair.

Richard has a flair for thinking through how wider geopolitical events will affect markets – invaluable in the last few years of high uncertainty. Finally its actually enjoyable to engage with him and see my money being so well managed.

Karen Richardson


I have been a client of Dart for a considerable number of years. There is no doubt in my mind that they are the ideal firm to manage mine and my children’s portfolios. I have known Chris, my Dart financial adviser personally for the past ten years.

Confidence in handing over hard earned income to an investment manager requires a strong relationship built on trust, and Dart provide this in abundance. Unlike other advisors, Dart’s charging mechanisms are transparent, reasonable and fair. I also like the fact that Dart are not affiliated to any products or services for their own financial gain. Chris and his team are always accessible, ready to listen and to deal with even the smallest query.

I am extremely pleased with the performance of my investments which have always been balanced to take account of my personal circumstances. I am certain that I would not be so financially secure if it were not for Dart’s advice and management.

Most importantly, the team at Dart value customer service highly and their attention to detail is excellent, with timely and informative reports.

Christina Russell


I have known Richard Whitehead for 8 years during which time he handled my husband’s and my investments. Over the last 4 years or so I have also come to know Clare Hough. I can thoroughly recommend both of them.

My experience of their work has been excellent. The investments have performed well. More importantly for me, I am confident that they understand well my approach to risk and that they manage my investment fund in accordance with my approach. They understand that there can be priorities other than getting the best possible return. They are able to offer a personalised service, which is important to me.

I am kept well-informed as to the performance of the investments with regular information packs received by post and also regular meetings. Whenever I have emailed or phoned I have received a quick and personal response. When I was widowed a year ago they dealt effectively with matters which had to be dealt with, but also were personally easy and sympathetic to deal with in very difficult circumstances. I felt reassured and that I was in good hands. They are efficient and courteous.

I can not think of anyway in which they do not perform exactly as I would want them to and my experience of them has been entirely positive.

Our fees

We strive to ensure that our fees are transparent, clear, and fair. They are designed to ensure that there is no product or investment bias within your portfolio.

We believe that part of our role is to minimise the running costs of our clients’ portfolios, we therefore use the share classes with the lowest available management charges sometimes known as clean share classes.

 Our transparency is the key to maintaining your trust