Who Do We Suit? (and who we probably won't suit!)
We suit those who:
- Are very busy and want to delegate decisions but wish to remain in control. In effect you are the chairman, we are your chief executive.
- Prefer a structure to their finances and can live within a budget.
- Over the years have collected various investments, financial products, pensions, tax schemes, life policies bank accounts, wills and trusts (and family members!) and want a financial plan to bring them all together.
- Are organised but who want a second opinion/sounding board.
- Need independent investment advice to suit their objectives and tolerance to risk.
- Are retired or financially independent, who want to get on with their lives knowing their finances are well looked after.
- Prefer to manage their own financial affairs but are concerned their spouse or partner will not be able to manage as widow(er), and see the benefit in finding a family adviser now.
- Are recently divorced or bereaved and who want their financial hands held with the reassurance of knowing we are independent and impartial and have been doing this sort of thing for years.
We probably won't suit those who:
- Want to take high risks. Higher returns don't always follow. It is difficult to maintain a financial plan with volatile investments.
- Find it difficult to delegate.
- Can't live within a reasonable budget.
- Tend to exclude their spouse/partner from decisions. This doesn't mean the spouse/partner needs to be involved with all the details of finances and investments. But their opinions about personal and family objectives really count towards a financial plan - we need to hear them firsthand.
- Can’t find the time to spend on their finances (it is usually a question of priorities rather than being too busy) and aren’t able to make decisions within reasonable periods or complete paperwork on time.