We thought it might be useful to step back a little bit and review the value that we bring to our clients, in order to make sure we’re meeting your needs as much as we possibly can. We identified ways in which we enrich the lives of our clients and ended up with quite a long list! We then came up with the brainwave of narrowing down this list and sharing with you 6 ways in which we can help you to improve your lifestyle.

 

1. We help you sleep at night!

We’re firm believers in the principle of risk based investing. Any investments that you have need to clearly reflect your own appetite for risk in order to ensure that your money is working as hard as possible for you, while not increasing the risk in your investments beyond your comfort levels. We don’t want you lying awake at night worrying about losing your money.

 

2. We make sure an unexpected event doesn’t dash every hope and dream

Life is full of uncertainties that impact all of us every single day. Sometimes significant events change the course of your life and the lives of your loved ones. A serious illness or the death of a parent has an enormous emotional impact on a family. It can also be catastrophic financially and dash a lot of dreams. It’s our job to help you protect yourself financially against such events.

 

3. We help you reduce the cost of your financial products

We go to great lengths to save our clients money on their health insurance, life insurance and other financial products. We also save our clients money on their general insurance products. The area that is currently getting a lot of our attention now though is mortgages. We have helped quite a number of our clients switch their mortgage, to one with a much more favourable interest rate. These savings have been very significant in some cases. Lots of happy clients!

 

4. We help you reduce your tax bill

We’re very aware of how taxation can take large chunks out of your financial assets. We stay on top of changes to the taxation regime and this knowledge helps us to ensure you are reducing your tax bill as much as possible. This applies of course to retirement planning, but we also look to find tax saving opportunities in your investments, life assurance and income protection planning. We want the money in your pocket rather than the taxman’s!

 

5. We help you to understand the swings and roundabouts of investment markets

Investment markets are moving up and down all of the time. Some people don’t notice, others sweat over every (downwards) movement. Often this is down to a lack of understanding of markets, volatility and how it works, and the impacts on your own portfolio. While ensuring you have the optimal risk based portfolio in place is an important job for us, it’s equally important that we help you understand how markets work.

 

6. We help you to make your debt v investment decisions

When incomes increase and there’s some extra cash left over each month, or indeed you get a windfall as a result of a bonus, a gift or maybe an inheritance, you’ve got decisions to make. Do you pay down debt or invest? We can help you make those decisions, taking account of interest rates, projected risk-based investment returns and tax considerations. We want your money working as hard as possible for you.
Of course there are many other ways that we help clients make the most of their financial situation. Give us a call and we can look at how we can help you!