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...
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 Money branch. The Money branch looks at areas such as portfolio management, investment philosophy and risk...
Successful investors don’t start without a plan, any more than they would start a road journey without at least a map and a destination in mind. Your investment plan doesn’t have to be fancy, but it should be based on where you are (your current financial situation), the risks you...
The phrase that “diversification is the only free lunch in investing” is attributed to Nobel Prize winner Harry Markowitz, one of the grandfathers of modern portfolio theory. One of the cornerstones of investing is that there are no meaningful returns without risk. Investors who own volatile investments are compensated...
More than ever Independent Financial Advisers (IFAs) are having to justify their value, MiFID disclosure requirements and ever-growing press scrutiny are pushing the need for advisers to show what they do and why they are worth it. In the long run, getting the right outcome for the client will...
When it comes to investing, customers are not always as rational as they think they are and often reduce their returns by poor investment behaviour. Market volatility may exacerbate these issues and lead investors to suffer far worse outcomes than they should. Financial advisers have an important and valuable...
There is little doubt that financial advisers add real value to clients – clear goals, peace of mind, financial security and confidence in the future. With the growing transparency of fees (platforms, portfolios and advice) the need to show this value is growing. The FCA has expressed more than a...