Savings &
Savings &
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Welcome to ATM Orchard

Experts in Savings & Investments

Why are we encouraged to save money?

From childhood, most of us are told to put away money to save for the future – perhaps for something special; or maybe to be sure that when we really need something we have the funds to acquire it, without taking on debt. People’s aims are broadly the same; to provide for future needs, and to protect ourselves against unexpected expenditure, events and inflation.

Planning for your future

When planning your finances, it is important to distinguish between savings and investments. Savings are generally funds that you set aside that can be accessed relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car. The most common way of saving is into a bank account (‘deposit’ account) where the money can be accessed in an emergency, and for every £1 you put in, you will get £1 back and possibly some interest. In other words, the original capital is guaranteed.

Longer term investments

Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time and should not consider investments unless you have some savings in place. Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your investments.

The information within this article is purely for information purposes only and does not constitute individual advice.

What we can do for you

Why Use a Financial Advisor

A Financial Advisor will use their expertise to find the best solutions for your savings and investments. Our goal is to empower you to make informed decisions and to give you a secure financial future.

Our skilled team can provide personalised savings strategies tailored to your unique financial situation, goals, and risk tolerance. We will analyze your current financial standing, future aspirations, and potential hurdles to craft a plan that maximizes your savings potential while mitigating risks.

Navigating the complex landscape of financial markets can be daunting. Financial advisors possess a deep understanding of market trends, investment vehicles, and economic indicators. Leveraging our expertise, we will guide you through market fluctuations, helping you make informed decisions to optimize your savings and achieve long-term growth.

Emotions often cloud financial decision-making, leading to impulsive actions that may undermine savings goals. A financial advisor serves as a rational voice, providing objective advice based on facts and analysis rather than emotional impulses. By mitigating emotional biases, they help you stay disciplined and committed to your savings plan, even during turbulent market conditions.

Navigating the regulatory landscape of the financial industry requires expertise and vigilance. Financial advisors stay abreast of ever-changing regulations and compliance requirements, ensuring that your savings strategies adhere to legal standards and industry best practices. By partnering with ATM Orchard, you gain peace of mind knowing that your savings are managed in compliance with relevant laws and regulations, minimizing legal risks and potential liabilities.

01229 770001
ATM Orchard Investments The Orchard, Kingsland Road, Millom, Cumbria, LA18 5BP

Lakenwest Ltd trading as: ATM Orchard Investments is registered in England and Wales no. 6330196. Registered office, The Orchard, Kingsland Road, Millom, Cumbria, LA18 5BP.

Lakenwest Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 472648.

If you wish to register a complaint, please write to or telephone 01229 770001

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 0234 567.

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