How we work
As Independent Financial Advisers we are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximise the benefits to our clients.
You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead.
Depending on your instructions we will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular annual reviews.
You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all).
You'll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course it will all be sensibly balanced in relation to your current income and your prospects.
In almost all cases we are able to make arrangements which clients would be unable to make for themselves. All our proposals will be fully explained and costed so that you'll know exactly what and why before you agree to anything.
We have established practices for investing client's money (whether that be investments or pensions) and believe that asset allocation is the key to successful investment.
Asset allocation (the balance of assets in a portfolio) has been shown to be by far the largest determinant of portfolio performance (not stock selection and market timing that make up less than 8% of your return).*
* Source: "Determinants of Portfolio Performance" Financial Analysts Journal July/August 1986 - Gary P Brinson, L.Randolph Hood, Gilbert Beebower and "Institutional Investment in the UK" Paul Myners, March 2001.
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daily quote:
“ I believe that every right implies a responsibility; every opportunity, an obligation; every possession, a duty. (John D Rockefeller Jr) ”