Emma Cowley

Investment Manager

WIBN Groups


I am an investment manager at Brewin Dolphin, I help people manage their finances.

I work with my clients to understand their aims, goals and aspirations; we work together to understand where they are and where they want to be. For many this is saving for the future, for school fees, for retirement, providing an additional income either now or at some point in the future when the current situation may change. Together, we work on a plan on how best to achieve this.

I know how busy life can get and I understand that saving efficiently and investing for the future can easily become slightly neglected. My 8 year career at Bank of America Merrill Lynch throughout the financial crisis taught me this. I take the pressure off my clients and let them concentrate on their own busy lives. This means I take responsibility for investing to achieve their goals whilst utilising all ISA, dividend and capital gains tax allowances that are available to them. It is easy to miss out on this ‘low hanging fruit’ which means that investments have to work that much harder for the goals to be met.

I also work with IFA\'s, accountants, family and private client solicitors to help their clients with their investments.

Posts by this member

What to consider before investing in an ISA this year

You might be dedicated to using up your annual ISA allowance, which stands at £20,000 in the [...]

What does the budget have in store for your finances?

With the government’s Covid-19 spending bill approaching £300bn(1), there has been a lot of talk [...]

Financial resolutions for 2021

The new year is a time to look to the future and chances are, you will be hoping for better times [...]

The Chinese consumer revolution

Janet Mui, Investment Director, discusses how the shift to online shopping, ‘revenge spending’, [...]

Understand your financial future today

How financial forecasting can help you realise the life you want to lead sooner rather than [...]

The UK Economy is officially in recession. What does this mean?

Paul Danis, Head of Asset Allocation, considers the impact of a UK recession on investment [...]

Too good to be true?

Since the dramatic lows of March, the markets had been making a remarkable recovery before hitting [...]

Barrelling along

Guy Foster, our Head of Research, considers the recent dramatic drop in oil prices and cautions [...]

Protecting yourself from scams

With the entire world focused on coronavirus (Covid-19), fraudsters are taking advantage of the [...]

Navigating Brexit and beyond

After more than three and a half years of parliamentary and political arguments since the [...]

Is it still worth investing in buy-to-let?

A buy-to-let property has the potential to supplement income and rise in value - but changes to tax [...]

Conservatives triumph in General Election

After all the to-ing and fro-ing on the campaign trail, we know now that the Conservative Party has [...]

Autumn Budget 2018

Chancellor Philip Hammond heralded that the era of austerity is coming to an end in his third [...]

Looking ahead to the budget

At this time of year our minds inevitably turn to the government’s budget, now set for October [...]

Are you heading for a comfortable retirement?

For many people, “don’t know” will be their honest answer to this question.  With [...]

5 ways to change your financial future

Five ways to change your financial future: Be aware of your finances. We often meet people [...]

Can classic cars boost your finances as well as your heart rate?

Classic cars can certainly set the pulse racing, but price data shows that over the longer term [...]

Why you need a financial MOT

Why you need a financial MOT Just like your car, your finances need regular maintenance to [...]

Are we heading for a global trade war?

We have been hearing more about protectionism. What is happening? Trump has announced the [...]

Spring budget and tax year end planning

Chancellor Philip Hammond revealed that the economy is expected to grow more strongly than expected [...]