Many financial advice firms deliver consistent, innovative and extremely valuable solutions for their clients. Not just at the initial planning / implementation stage but also over the years of guidance, support, rebalancing and tax planning. A simple sales aid / poster helps adviser firms showcase their value to clients.
In a world of ever-increasing complexity, clients can take comfort knowing that their investments are under the stewardship of professional advisers. This blog gives some ideas of the content for an adviser Investment Philosophy & Process document to show customers how you look after their money.
Trying to develop a Centralised Investment or Retirement Proposition is complex enough, but how do they fit with the other processes within an adviser firm? We've put together a helpful guide and some ideas of how to go about designing your overall processes.
As we approach our planned pension age, we probably have one question front and centre of our mind - do I have enough to retire? If we seek advice this is probably the simple query that we would like an answer to, but unfortunately without some more detailed analysis it's unlikely to have a simple answer.
Many investors are aware of the risks when 'saving up' towards a lump sum. Unfortunately, far fewer are aware of all the risks when 'drawing down' from a lump sum, for example in retirement. One pernicious risk is Sequence of Return risk...
Many financial advice firms have developed and refined their Centralised Investment Propositions (CIPs) over the years. But the advent of Pension Freedoms and greater regulatory scrutiny has many firms looking to refine these for retirement / decumulation clients.
Investing is not without risk. Anyone who suggests otherwise is misguided. The idea of taking risk is to increase returns. But how much risk should you take, what is the extra return you might get, what if it goes wrong? Understanding this is one of the most important foundations of investing and financial planning.
North American equities have had significant growth with the average Investment Association North America sector fund delivering over 100% return. Investors may become over reliant on just this sector or disregard their normal portfolio balance and investment more heavily in North American equities.
There are many areas in which financial advisers add value to their clients. We have broken them down into three 'branches', with several individual elements in each branch. In this blog we look at the Confidence branch. The Confidence branch looks at how advisers can built trust, deliver coaching and help...
There are many areas in which financial advisers add value to their clients. We have broken them down into three 'branches', with several individual elements in each branch. In this blog we look at the Goals branch. The Goals branch looks at areas such as pension freedoms, cashflow modelling and intergenerational...