FOCUS on plans, not retirement
An international HSBC study, The Future of Retirement, in 2011 showed that those with financial plans accumulated nearly 250% more retirement savings than those without a financial plan in place. Furthermore, nearly 44% of those who have a financial plan in place save more money each year for retirement.
Research by David Blanchett and Paul Kaplan of Morningstar, in their article "Alpha, Beta and now...Gamma", has attempted to quantify into real numbers the value that financial advisers can provide. Their research shows that advisers help individuals generate roughly 1.82% excess return each year, creating roughly 29% higher retirement income wealth. This means even if an adviser is charging a 1% ongoing advice fee a year for the management of assets, the financial advice still has a huge impact on generating additional wealth.
Please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investments, please seek advice. Tax rules can change, and the value of any benefits depends on individual circumstances.
No advice remains suitable forever, and to ensure our clients' remain on track to achieve their goals and aspirations we offer an additional ongoing service.
We aim to build long-lasting trusted business relationships with all our clients. This involves recommendations being clearly explained to you with an ongoing service process being put in place to review your plans to ensure that they remain appropriate to your ongoing needs.
As part of this service, we will:
- Meet with you in person at least once a year
- Reassess your financial situation at any time
- Complete a new investment risk questionnaire
- Define your attitude to risk
- Appraise your existing investments to ensure alignment with your attitude to risk, goals, and expectations.
- Consider your financial objectives and goals
- Discuss the investment performance
- Ensure the continued suitability of your current investments
- Review any income or contributions in or out of the plan/s
- Identify any further financial objectives
- Issue you with a suitability report
We're located in Wakefield
Athelward Suites East & West,
Estate Yard, Nostell, Wakefield,
WF4 1AB
Opening Hours
Monday - Friday: 9am - 5:30pm