About us

We are an investment firm dedicated to creating investment solutions specifically designed for financial planning firms and their clients. Our mission is to seamlessly align investment strategies with the goals of financial planning, ensuring a cohesive approach that supports clients throughout their wealth journey.

Redefining Financial Planning and Investment: Collaborative Solutions for a New Era

In today’s ever-changing economic landscape, we prioritise delivering solutions that are not only adaptable to the modern climate but also deeply rooted in value. By focusing on cost-effectiveness, transparency, and long-term results, we empower financial planners to provide their clients with investment strategies that balance stability, growth, and sustainability.

The financial services industry is evolving, and new operating models are essential to meet the demands of modern clients and the challenges of regulatory scrutiny. Clients now expect more than ever—a seamless journey, meaningful experiences, and evidence of real value delivered through a robust service. It’s time to create something better for the end client.

In an increasingly volatile economic climate, the traditional race to the bottom with passive investments may not meet the nuanced needs of many clients, especially in periods of market drawdowns. Our vision is clear: instead of attempting to do everything in-house, we’ve built an advanced operating model by partnering with experts who share our values, investment philosophy, and client-first approach.

Stephen and Charlotte bring decades of experience in wealth management and financial planning. With a focus on delivering cost efficiency and genuine value, we’ve gone to the market to assemble the best solutions—leveraging the power of collaboration, economies of scale, and knowledge-sharing.

Behind the Scenes

Stephen Harper

Chief Executive Officer

Stephen Harper

Chief Executive Officer

Stephen is the CEO of Attivo Investments and has partnered with his CIO to establish a forward-thinking investment management business. This is the second time Stephen has collaborated to create a successful investment business, drawing on decades of industry experience and a shared vision for delivering innovative solutions to improve client outcomes.

Stephen has a proven history of building client focused financial planning businesses that evolve with industry trends and to the changing needs of clients. As an innovator he is committed to driving change and continuously enhancing the client experience.

He also serves as the Chairman of the Attivo Group which shares the same parent company as Attivo Investments, Stephen focuses on the development and growth of all Attivo Group businesses, particularly through strategic acquisitions. Under his leadership, the group has successfully acquired over 40 IFA businesses in the last decade, expanding its reach and impact across the UK.

Charlotte Watson

Chief Investment Officer

Charlotte Watson

Chief Investment Officer

With over 20 years of experience in financial services, Charlotte Watson is a dynamic and accomplished Chief Investment Officer. Throughout her career, she has demonstrated a proven ability to design, manage, and elevate investment propositions that deliver exceptional value to clients while achieving business growth and compliance with regulatory frameworks.

Charlotte has spearheaded the creation and launch of successful discretionary fund management businesses, responsible for the oversight of portfolios and fostering innovation in investment strategies. Her leadership extends beyond investment management to include corporate strategy, risk oversight, and team development. As a recognised industry voice, Charlotte has contributed to industry media, shared macroeconomic insights, and led client-focused initiatives, such as educational briefings and stakeholder communication.

Charlotte’s expertise is grounded in a robust foundation of qualifications, including the CISI Level 6 Diploma in Investment Compliance and Private Client Investment Advice and Management. She combines strategic vision with hands-on execution to deliver results that align with both client and organisational goals.

Graham Jarvis

Head of Investment Operations

Graham Jarvis

Head of Investment Operations

With over 20 years of experience, Graham is an expert in investment operations, specialising in enhancing processes for holding the investments of financial planning clients. He is skilled in system migrations, compliance risk management, and process improvements, focusing on delivering accurate reporting and streamlined operations. Graham excels at leveraging institutional trading platforms and implementing discretionary investment management (DIM) solutions on retail platforms to provide efficient, scalable investment operations.

A member of the CISI Continuous Professional Development Scheme, he remains up-to-date with regulatory and industry trends. Graham holds a BA (Hons) in Business & Leisure Management and is dedicated to delivering innovative solutions for financial planners and their clients.

Richard Haines

MPS Portfolio Manager

Richard Haines

MPS Portfolio Manager

Richard Haines is an experienced Investment Director and Portfolio Manager with over 17 years of expertise in supporting financial planning firms and managing client assets. Throughout his career, Richard has developed centralised investment processes, implemented robust governance frameworks, and delivered tailored investment solutions designed to align with client needs and financial planning objectives.

His specialisation lies in the creation and management of model portfolios, ensuring that investment strategies are seamlessly integrated into the financial planning journey. Richard is passionate about aligning investment selection with long-term financial goals, helping clients navigate their wealth management needs with confidence and clarity.

Why Attivo Investments Limited

Our mission is clear: to offer a cutting-edge investment solution designed for the goals of today’s clients while providing financial planners with the tools and confidence to deliver exceptional outcomes. Through a unique strategic partnership model, we collaborate with leading experts, ensuring seamless integration between financial planning and investment management.

By aligning with a goal-based investing philosophy, we prioritise what truly matters—helping clients achieve their financial aspirations at every stage of life. Our solutions are competitively priced, making them accessible without compromising on quality, and our personable approach ensures we build trusted relationships with both financial planners and their clients.

In a world where regulation demands precision and clients expect transparency, we provide intuitive tools and tailored resources to simplify the investment process. Attivo Investments delivers more than just solutions; we deliver confidence—equipping financial planners with strategies that resonate and enabling clients to stay focused on their long-term financial journeys.

Attivo Investments isn’t just built for today—it’s built for what comes next.

How We Work With You

At Attivo Investments, we partner with financial planners to provide solutions that elevate client experiences and outcomes.

Here’s how we support you:

A Range of Model Portfolios: Investment strategies designed to align with your clients’ goals, preferences, and risk tolerances.
Seamless Collaboration: A dedicated team working alongside you to ensure smooth implementation and ongoing support.
Goal Alignment: Strategies focused on real-world financial goals, like retirement income, wealth preservation, or income generation.
Efficient and Scalable Processes: We’ve streamlined our processes to make it easier for planners to offer clients exceptional value without operational challenges.

Investment philosophy

An investment management firm that understands financial planning.