Keeping your savings in a bank is one of the worst things you could do with your wealth!

​Some people think that is prudent to keep your money in savings in a bank, but actually that is one of the worst things you could do with your wealth over an extended time period. Cash is a terrible storage medium in the long term because of inflation - if you compound inflation at just 2.5% for 10 years your money would actually be worth 28% less than it was at the beginning of that decade! That devaluation shows the erosion in the real purchasing power and assumes you are receiving no interest payments on the account.

“What about property?” a lot of people say. Well bricks and mortar is generally regarded as a relatively safe haven but the market is cyclical and is well known to crash periodically. The stock markets tend to outperform property over the long term and most investors’ portfolios are heavy in property anyway in the form of the family house.

​I recently saw a relatively wealthy lady who was worried that she was going to have to keep working for years to come and maybe even have to die with her boots on (metaphorically speaking). Using special software tools, we looked at how much income she would actually need in retirement where her mortgage had been paid off. I was able to demonstrate to her that even if she took a larger income than she needed, and lived well past her average life expectancy age, she would have more than enough money to retire now and still be able to pass a generous legacy down to her children.

Money is the best device for storing energy that human beings have devised to date.
This means your wealth is literally a reserve of all the energy that you have amassed at this point in your life. I help you ensure that you aren’t taking any more risk than you need to in order to achieve your objectives.

I kind of have three different roles within my work with you:
First, as a Financial Planner, I look at your bigger picture scenario and answers to three big questions:

• How did you arrive at your current perspectives on money?
• Are you managing your money in a way that is improving your life?
• Are you financially ready for life’s big transitions?​ ​

Secondly, as an IFA, I am Independent, not limited to a restricted panel of providers. Our proposition offers genuine whole of market access and I am fully accountable and liable for my advice. As a client, you are entitled to make a complaint through our Customer Disputes Resolution Process which is ultimately enforced by the Financial Conduct Authority and protected by the Financial Services Compensation Scheme.
 
And finally, as a Wealth manager - this is the analytical bit where I look at charts, graphs and performance statistics for the funds that you are invested in. I make sure that your numerous tax allowances are being utilised and that your overall portfolio is fully optimised, properly balanced, competitively charged and that you are in the best performing funds.

We add significant value to your portfolio in many ways - way more than we charge in our fees which are just a relatively small percentage. This is always broken down explicitly in our reports and demonstrated so that our advice should more than pay for itself in the long run. In a nutshell, I think that probably the main thing that I provide for you is reassurance and peace of mind that you can do what you want to without having to worry about money because we’ve made a thorough financial plan together to take care of things.

​So why put your money in a bank when you can have a Financial Planner, an IFA and a Wealth Manager taking care of you and your savings?
 
Start adding value to your future now. Let’s schedule a call and I’ll show you how.