Category Archives: Financial Planning

Dont believe what you read in the money pages!

If there was a prize for the worst article in the money press then the one recently by Richard Evans in the Telegraph “Pension savers could double their tax free Read More
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Charging Fees for Financial Planning Advice

My experience does differ from many of the responses to Nic's article that clients will not pay a fee for independent financial planning advice and will go off and buy a commission paying product instead. I started my independent fee based advisory practice in 2006 from scratch with most of my clients finding me via the internet or through word of mouth. During this time, my clients never seem to have had a problem with me charging fees and indeed many of them have signed up precisely because I was fee based. I am the first to admit that I am not the best salesman in the world but I have nevertheless built up a successful business. I think that the key for me has been being able to explain to clients where the real value in a client adviser relationship lies and having a clear on-going service proposition - see independent financial planning service. Also acting as the clients most trusted adviser is much more credible when remuneration doesn't come from product sales (commission) but from fees agreed in advance with the client alongside being highly qualified - see chartered financial planner.
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Financial Planning – Portfolio Tax Mitigation

How can investors with an investment and ISA portfolio increase their after tax returns without changing the asset allocation of their overall portfolio? Good investment advice is essential but the tax planning and portfolio structuring advice outlined below will increase after tax returns for many clients.
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Financial Planning Service – Client Charges

Client charges can have a significant cost drag on a portfolio’s overall performance. Traditionally, the charges have been broken down into component parts, making cost comparisons between different providers difficult. I feel that it would be much fairer if all firms whose services include investment management (i.e. not just individual funds but discretionary investment managers and financial advisors/planners) were required to disclose their Total Expense Ratio (TER).
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Investment Advice – Not the Ryanair of asset management

But the analogy to Ryanair doesn't really work as it is not low cost - 1% per annum for a concentrated mainly buy and hold portfolio is expensive and whilst air fares vary in price I don't suppose they vary as much as 10 or 25 times which would be the case if £100,000 or £250,000 was invested instead of £10,000. It is the same flight at the end of the day!
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Great Investment Planning Videos

I would like to thank Vanguard for allowing me to use two of their investment fundamentals videos on my site. These short videos are by two great investment gurus Charles Ellis and Burton Malkiel and can be viewed here. As well as discussing what good financial planning and investment planning looks like, they also discuss how a financial advisor can add considerable value.
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Financial Planning – No Punting Needed!

There is a far superior alternative - taking independent financial planning advice. Financial planning is about helping clients achieve their financial objectives and if done properly should put clients firmly in the driving seat rather than bad advisers/conventional wisdom press enjoying or exploiting a clients/readers ignorance!
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Financial Planning – Have we reached the tipping point?

How valuable are the investment tips we find in the weekend money sections? Can these experts skilfully predict the future and at the same time are they sufficiently altruistic to share their secrets with millions of newspaper readers? I hope readers realise that these tips are of little or no value although they are an interesting read which I guess is why personal finance news editors like to include them in their papers.
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  • How to make your pension pot last? November 24, 2015 It is a question that will be on many people’s minds as they approach retirement particularly with greater pension freedoms giving increased flexibility on how to use their pension savings.

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