Where We Add Value
20% - Creating Your Financial Plan
Your roadmap to “money peace of mind”. Everything we do both derives from creating your financial plan, and then making sure it stays relevant to your changing life.
70% - Ensuring You Stick To The Plan
Walking you back off the cliff, when you are ready to abandon your plan. You will be tempted to do this when we all experience the next economic or market catastrophe. And the next one; and the one after that.
Working over time, with a skilled, empathetic adviser, you will enjoy significantly better returns on your money (and thus your plan and your life) than DIY investors. We can’t avoid the punch in the mouth; we can help you control your response to it.
10% - Adapting To Legislation
Sad but true: Governments of various political persuasions are totally unable to resist continually tinkering with pension & taxation legislation. We cannot change this but we can inform you of such tinkerings. In the process we save you potentially enormous sums of unnecessary tax.
0% - Rebalancing Your Portfolios
Keeping your investments in line with your appetite for risk over the years. Where appropriate we also use your annual taxation allowances as part of the process, to ensure more of your money stays with you, not HMRC. Rebalancing is relatively easy: we give it away.
0% - Fund Selection & Predictions
We have an elegant, defined investment philosophy that works. But any adviser can say that, and pick funds. Heck - even robots can do it, apparently (see: “Robo-Advice”).