Cardale Asset Management was established in 2003 and is a wealth manager based in Harrogate. We pride ourselves on delivering simple and sound advice to our clients old and new, which is why many clients have been with us from the very beginning. Our extensive range of financial services enables us to work with clients to help them develop a financial plan to grow and protect their wealth based on current circumstances and financial objectives. Services include financial planning, investments, pensions and taxation as well as providing a broad range of services specifically for businesses and business owners. Cardale Financial Planning provides comprehensive advice on a broad range of financial matters and provide a wide range of services including: • Tax efficient investment planning • Inheritance tax mitigation • Retirement planning • Retirement income options • Family protection • Long term care funding • Paying for Long Term Care 𝗛𝗼𝘄 𝘄𝗲 𝘄𝗼𝗿𝗸 We would classify ourselves as bottom-up portfolio managers. Investment decisions are driven predominantly by fundamental analysis and our view on the top-down macro environment is used to drive asset allocations and themes within portfolios. We operate a dynamic business model ensuring we can move quickly to maximise opportunities as and when they arise. As a business, one of our key strengths is direct equity investment. An equity is a share in an individual company which can rise or fall in value as the fortunes of the company or outside factors such as the economy influence the share price. The key to direct equity investment is selecting the right companies to invest in. According to a report by Hendrik Bessembinder, ‘Wealth Creation in the U.S. Public Stock Markets 1926 to 2019’, 1% of stocks have accounted for all the global net wealth creation in stock markets over the last century. We have developed our approach over time and have a rigorous process driven by in depth research into individual stocks
