For investment professionals only.‍

Amber River Johnston Financial is a long-established independent financial planning firm based in Edinburgh, known for its thoughtful approach to investment and client service.

As part of their Centralised Investment Proposition (CIP), they’ve adopted a fund-of-funds approach, integrating the Downing Fox multi-asset models into a streamlined structure built around two portfolios: Cautious and Growth.

To explore how this simple approach benefits both clients and advisers, we have produced two companion pieces: a written case study and a video conversation with one of the group's Directors and a Chartered Financial Planner, Suzanne Gray.

These materials explore how the Downing Fox fund-of-funds model helps Amber River Johnston Financial tailor risk-based solutions across the client spectrum, streamline operational processes and support transparency and tax efficiency. It's a story of how simplicity, when built on depth, can transform the adviser experience and build client confidence.

Why less is more with Downing and Amber River Johnston Financial

If you’d like to learn more about our approach or the Downing Fox Funds, visit our webpage or get in touch.

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Important notice

This video is intended for financial advisers and has been approved and issued as a financial promotion by Downing. Any personal opinions expressed are subject to change and should not be interpreted as advice or a recommendation. Capital is at risk and investors should note that their investments and the income derived from them can fall as well as rise and investors may not get back the full amount invested. Downing is a trading name of Downing LLP. Downing LLP is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 545025). Registered in England and Wales (No. OC341575). Registered Office: 10 Lower Thames Street London EC3R 6AF.