Tag Archives: chartered financial planner

How to make your pension pot last?

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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Investment Planning – Bad News Sells!

Bad news sells. It sells because fear is a more powerful emotion than greed. Newspaper editors know that, which is why the front pages are often so depressing. But sometimes you need to dig inside the paper for a more balanced view. Also working closely with a chartered financial planner who has an investment philosophy which is client centred and focused on achieving a clients financial goals also helps clients see the investment journey in a much more balanced less fearful way.
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Investment Planning – Embracing Imperfection

New Year's resolutions often involve making promises to ourselves we can never keep. But instead of tilting at windmills, we can often generate better results by merely resolving to be less dumb in certain areas. And money is a good place to start.
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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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Where to find a good independent financial advisor?

I would actively encourage anyone looking for a good independent financial advisor to have a look at the new VouchedFor site.
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Finding a top Financial Advisor is never made easy!

If the Find an Adviser site from the leading financial advisor professional body the Personal Finance Society is intended to help a meaningful number of consumers find the most professionally qualified financial advisors in the UK then I would question whether it has been successful.
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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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Retirement Planning – New Rules Treat Pensioners as Grown Ups!

It is about time that the Government of the day treated pensioners as grown ups so the announcement last week of more flexible rules surrounding how pension funds must be used in retirement is great news for investors.
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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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