Where we add value & Important Reminder
Where we add value
When demonstrating the value of financial advice, it is all too easy to focus on the quantitative; after all the only thing that should really matter is the net return after tax and costs.
However, if we delve deeper into the financial advice process we can identify value that is qualitative and plays a crucial role -
Behavioural Coaching - helping investors understand strategies and stop them making behavioural errors that could have a big impact on whether financial goals and objectives will be met.
Cost effective implementation - utilising providers and assets with competitive charging structures without compromising results - cheap does not guarantee success.
Rebalancing - the rebalancing of the Portfolio to ensure risk management and to adapt to changing conditions.
Cashflow Analysis - ensuring cashflow strategies are tax efficient and take into consideration other objectives, such as Estate Planning.
Product Analysis - steering individuals away from inappropriate investments, for example those that are not covered by the Financial Services Compensation Scheme (FSCS) and offer questionable guarantees.
These underlying components help to provide the framework that we use to help clients meet their goals and objectives.
However, if we delve deeper into the financial advice process we can identify value that is qualitative and plays a crucial role -
Behavioural Coaching - helping investors understand strategies and stop them making behavioural errors that could have a big impact on whether financial goals and objectives will be met.
Cost effective implementation - utilising providers and assets with competitive charging structures without compromising results - cheap does not guarantee success.
Rebalancing - the rebalancing of the Portfolio to ensure risk management and to adapt to changing conditions.
Cashflow Analysis - ensuring cashflow strategies are tax efficient and take into consideration other objectives, such as Estate Planning.
Product Analysis - steering individuals away from inappropriate investments, for example those that are not covered by the Financial Services Compensation Scheme (FSCS) and offer questionable guarantees.
These underlying components help to provide the framework that we use to help clients meet their goals and objectives.
Important Reminder
In the current climate and given the lack of social contact with others, it is important that we all remain vigilant and are aware of the risk of scams - particularly scam emails, cloned web sites and phone calls. Scammers are able to make an email appear to have been received from a known source.
We have been aware of parties who have fallen victim to some or all of these. The scam practitioners are practised and convincing. Our main concern is, of course, our clients and their invested funds but other examples are seen every day. A recent example is the 'yellow box scam'. A letter, or more likely, an email arrives that looks genuine. It will probably say that a vehicle registered to you stopped in a yellow box and invites you to pay a discounted fixed penalty on line to avoid full, and more expensive enforcement. However diligent a driver is, can they be sure they did not do so momentarily? There are several boxes in Cardiff and no doubt elsewhere that can trap a motorist.
Our approach is to suspect any communication and not to respond, open any attachment of follow any web link unless we verify the credibility. We would ask you to be careful, time spent on security is a wise investment. If you are ever in doubt as to the validity of a message regarding your finances or investment that, whether from a provider or us, please give us a call, we are more than willing to help.
We have been aware of parties who have fallen victim to some or all of these. The scam practitioners are practised and convincing. Our main concern is, of course, our clients and their invested funds but other examples are seen every day. A recent example is the 'yellow box scam'. A letter, or more likely, an email arrives that looks genuine. It will probably say that a vehicle registered to you stopped in a yellow box and invites you to pay a discounted fixed penalty on line to avoid full, and more expensive enforcement. However diligent a driver is, can they be sure they did not do so momentarily? There are several boxes in Cardiff and no doubt elsewhere that can trap a motorist.
Our approach is to suspect any communication and not to respond, open any attachment of follow any web link unless we verify the credibility. We would ask you to be careful, time spent on security is a wise investment. If you are ever in doubt as to the validity of a message regarding your finances or investment that, whether from a provider or us, please give us a call, we are more than willing to help.