How We Work With You
Achieving your goals in life is challenging, and your personal finances make it harder if not managed carefully. We help you manage your money better and achieve your best possible financial future.
01
Let’s Talk
We start by getting to know you and by helping you identify what you want to achieve in life. We begin to understand where you are currently on your financial journey through life, and then we’ll advise if we think we can help you. This initial meeting is at our expense.
02
We analyse
We carry out in-depth analysis of your current financial circumstances, building a complete picture of where you stand financially today. We then overlay the life you want to live and consider whether you are likely to achieve it… or not. We form our recommendations to help you achieve your financial goals.
03
We Implement Solutions
To achieve your financial goals in life, you may require some financial products. Whether they are to secure your family’s future, invest your money in line with your objectives and appetite for risk, or achieve the best possible retirement, we will identify and implement the very best solutions for you.
04
We Keep You on Track
Now your financial journey has really begun! We work with you over many years, reviewing and adapting your plan and solutions. We take account of your changing goals and financial circumstances, and the wider economic environment and markets, ensuring you stay on track to achieve your goals in life.
The Value of Advice
Managing your personal finances for an improved future financial destiny while also being prepared for unforeseen eventualities, can be challenging and complex. Research consistently demonstrates that the value of expert financial advice has never been more compelling in helping you achieve your financial goals, through professional and objective advice on protection, savings/investments and pensions.
The average pension fund of someone who sought financial advice is 55% higher than someone who did not seek advice.
58% feel more confident and in control of their finances having used financial advice.
The average amount in savings / investments of someone who sought financial advice is 60% higher than someone who did not.
33% of those who sought financial advice are confident or very confident about being financially secure in retirement by comparison to 19% of those who have not.
Investment Philosophy
Full Market Analysis
All investment opportunities should be considered. The investment needs of each client are unique, requiring an analysis of all available investments.
Risk and return go hand in hand
All investments carry some level of risk. It is important to identify the right balance between risk and reward, that aligns with your financial objectives.
Diversification is key
Spreading your financial resources across various asset classes, regions and sectors is key as a mechanism to manage mitigate your risk.
Capital market are efficient
Modern markets are generally efficient, in that they fully reflect all available information about the fundamental value of the securities in them.
Time in the market, not market timing
Investing is a medium to long term activity. Trying to time markets is a mistake, and investors are generally rewarded by staying the course.
Costs matter
Investment costs reduce the return of investors. Careful analysis of all costs is required to ensure best value for the investor.
