How we manage money

We put the client's needs first and then help them to achieve their goals

Asset management to us is simply about combining your vision with our expertise to make the right decisions about your wealth.

Our approach to financial management focuses on understanding your life goals, your current circumstances and the decisions you make when managing your own wealth. We focus on gaining an immediate understanding of you and your own circumstances and turning this into a fresh, long-term plan to secure your financial future.

We use technology to help you to pursue your financial goals. Our innovative Insight portal and mobile app is available to all clients and helps you to review your entire financial life all in one place.

Our client-focused team believes that establishing trusting relationships with our clients holds the key to allow us to provide timely and accurate advice, aimed at securing your life goals.

We cover a broad range of advice areas, including investments, savings, insurance and retirement planning. This holistic approach enables us to effectively manage your wealth without any bias towards any product or investment provider.

Our aim is to establish your life goals and to help you to achieve them. Underneath this is a practical, pragmatic approach to managing your wealth, built on years of financial experience and a deep resolve to see our clients prosper.

We are firm believers in carrying out diligent and thorough research and analysis, and bring this approach to every client’s financial needs. Using advanced modelling and analytic tools, we build an in-depth understanding of your circumstances and your approach to investing money. We pay particular attention to your attitude to risk and the options that this gives us for making the right investment choices.

Based on the information we gather about both you and the investment options available, we then work hard to ensure that your investments are aligned to your goals.

* The value of investments can fall as well as rise. You may not get back what you invest.

Our 5 stage process

Discovery

It is important that we get to know who you are, your circumstances and what you wish to achieve through financial planning and wealth management. It is just as important for you to get know us, so you feel confident in trusting us to provide you with advice and guidance.

Without future commitment from either party we are always happy to have an initial meeting at our expense, where we shall listen whilst you tell us more about you current situation and what you wish to achieve. Also we shall answer any questions you may have about the way we work and what you can expect from working with us.

Research and planning

When we feel we understand your goals and expectations, we shall head off to do the hard work for you. Our expert team will research the best options and formulate a plan that is aligned to your needs and goals. We may come up with a number of options which can be discussed further. This is just the start of us ensuring that your money is working as hard as possible for you.

Recommendations

When we have finished our research for you, we shall meet to discuss our findings and make firmer plans for your financial future. These will be explained as to how they will work in the long and short term. We can do this in person or in a written report: whichever is best for you.

In the recommendations we shall provide details of your existing financial position and any financial products you may have, such as pensions, ISAs, life assurance, collectives or investment bonds. We shall comment on these and provide details of how we think your situation could be improved, both in terms of financial products and in relation to the wider areas of financial planning, such as providing options for retirement. It will be a report that is specific to you, reflecting your goals in life.

Implementation

At this stage we take the plans we have recommended previously and implement them. Following our discussion there may have been changes to our original proposals, and a financial plan which you understand and with which you are entirely comfortable will be implemented.

We make sure your finances are in order and set up any new investments or other financial products we have agreed are suitable. Our aim is to give you peace of mind in your financial future.

Review

It is important for us both that the plans we put in place continue to be suitable for you and your life goals. As circumstances may change, we shall review your plans regularly with you and make changes if and when they are required. Of course, in the meantime, we are always happy for you to contact us.

What our clients say

“

We enjoy working with Paula and her colleagues at DBL. They have an excellent knowledge of the financial products available in the market and are able to explain them in a clear manner without too much technical jargon. They are not afraid to make recommendations and give advice. This sounds very easy but is something that many financial professionals avoid.

The “personal touch” is also very much part of the service at DBL, and they strive to ensure that they have a clear understanding of personal and business objectives, whilst delivering a service that is friendly and approachable – whether the requirement is a one off pension, or a complex financial scheme.
Alison Loveday

“

Both on a personal and professional basis I have worked with Dacre for over ten years, and with Dacre and Paula since the incorporation of DBL. I have always found both to be extremely personable individuals who provide a thoroughly professional service in a relaxed, friendly and personal manner.

I have no hesitation in referring those seeking independent professional financial advice to DBL.
David Allen

“

I have been a client of Paula Staines for nearly 30 years. In fact I believe that I was her first ever client. Paula initially provided me with advice and solutions to my pension provision requirements and through the years going on to assist me with savings and investments. Paula has always provided my wife and I with a clear and helpful professional and friendly service.

I have also been a client of DBL Management since its inception. Each and every member of staff have maintained the level of service that I have been accustomed to from Paula. I have in the past, and will continue to recommend both the company and especially Paula to friends and family.
Fred Spencer

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As a client of DBL for some 7 years I appreciate the friendly and thoroughly professional manner in which they look after my investments. I have complete confidence in the decisions made by Paula and Dacre on my behalf and have no hesitation in recommending DBL to others seeking independent financial advice.
Keith Allen

“

Paula Staines has provided Insurance and Pension services to both my business interests and personal needs for over 25 years. She always presents an analysis of needs and a range of solutions to choose from. Her advice is always impartial and sensible with a thorough analysis of the market. Under her guidance the chosen SIPP has done very well despite the poor market conditions recently. The website will be a helpful addition to her services and I have no hesitation in endorsing her business.
Niall Finegan

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My financial security and planning for mine and my families future is vitally important to me and for the last 13 years I have entrusted DBL Asset Management to be responsible for the selection and ongoing management of all my investments. In that time, I have found them to operate with the highest levels of integrity and they have been truly independent in the advice they have given. We have been delighted with the performance of our portfolio and DBL’s active management has – I believe – delivered far better returns than I could have achieved. I would have no hesitation in recommending their service to others seeking high-quality independent investment advice.
Paul Dickinson

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I have been a client since 1985 and have been in a position to observe the consistent and careful management of my financial affairs over a period of time to be very reassuring. Communication with DBL is easy and discussions are always helpful and informative, and advice is both helpful and sound.

It is also a further satisfaction to me that official regulatory changes and requirements have not in any way disturbed the sensitive and professional way that DBL manage my affairs together with those of my wife. I have no doubt that other DBL clients will also applaud the way we are all treated as individuals.
Paul Skelton-Stroud

“

DBL Asset Management have been looking after our interests since 1999 and I would have no hesitation in recommending their services.

They are undoubtedly experts in their field and successfully manage to combine professionalism with a friendly and understanding manner. As financial administration and compliance for businesses and employers becomes ever more complex and rightly more transparent, it is important to have the support and assistance of people who you trust.
Philip Smith CBE

“

I gain great comfort from the company’s approach to client care and their management of investments; from the detail of the documentation and transparency of performance, to the knowledge that my investments are under regular review. DBL offer a personal and friendly service that I have no doubt will cause them to have many long term and repeat clients.
Sam Mabon

“

I have been a client of DBL Asset Management for many years, and have always valued the friendly and professional manner in which they have dealt with my interests. The team have supported me in many financial decisions throughout my career to date and have become trusted advisors for all aspects of my financial planning.
Ben Southworth