A wrap account basically enables you to collect all your investments (including cash, pensions and life assurance) into what is effectively a financial 'holdall'. You don’t have to sacrifice choice and you can continue to keep all of your existing shares, unit trusts and bonds, so there's no need to worry about placing all your eggs in one basket.

You can see, at a glance, how your collective investments are performing and furthermore, if you engage an accountant, they can receive a consolidated statement in place of the numerous sheets of paper they processed in the past.

Any future instructions you wish to place, e.g. to buy, sell, or switch investments, will be swiftly dealt with by Cathy Holme or Celia Evans, our wrap administrators. As well as providing attractive discounts on a wide range of investments, the Acumen Wrap offers highly competitive interest rates on cash deposits and cash ISAs.

The cost of the wrap service is extremely competitive and completely transparent, unlike many financial services when it can often be difficult to know precisely what you are being charged.

If you would like to know more about how the Acumen Wrap can make managing your finances easier, please contact us for more information and a no-obligation review of your investments. We would remind you that the value of your investments can rise as well as fall.

Take a look at how the Wrap account works -
You can see how the online Acumen wrap account works by viewing our demonstration screens. You can view either a Powerpoint version or a PDF version. Simply click one of the two links immediately below - if prompted to, "Save" the file to your computer.

Wrap Demonstration - PDF file (2.1MB)
Wrap Demonstration - Powerpoint file (3.4MB)

You will need either Adobe Acrobat Reader or Powerpoint Viewer to access these files.

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate we will charge a fee of up to £295 for arranging your mortgage.