The Financial Planning Group. Financial Planning Services

Transcription

1 The Financial Planning Group Financial Planning Services

2 The Financial Planning Group Who we are... Established in 1993 Based in Teddington, South West London We deliver a holistic financial planning service to Individuals, Companies and Trustees Authorised and Regulated by the Financial Conduct Authority We are Chartered Financial Advisors the profession s gold standard status

3 Key questions to consider Financial planning service Do you have a clear understanding of your financial goals? Are your investments producing a sufficient return to meet your goals? Will you be able to afford to pay for School and University fees for your children? When and how will you be able to repay your mortgage? Will your family be protected should you die? What happens if you lose your job or become incapacitated? You are planning a major lifestyle change; can you afford to do it? When can you afford to retire? How can you pass on your wealth to your family in the most tax efficient way? We will help you to understand your current financial situation Using financial planning software we will put your assets, expenditure, tax, protection and debt in context and relate these to your future plans and aspirations We have a structured investment process to manage the risk of your portfolio With the use of an investment platform we manage your portfolio in one place providing you with online access What you know as financial products - Pensions, ISAs, Bonds, Unit Trusts - will be recommended only as relevant tax vehicles We offer a comprehensive mortgage service - residential, holiday home, investment and business We will work with your accountant or solicitor to ensure a truly holistic approach to your finances We provide an ongoing relationship; your financial plan will be reviewed at least annually We will act as your agent in all communications with insurance companies and other providers to minimise the administrative burden and complexity of dealing with your financial affairs

4 Financial planning services Financial planning services Stages With you we explore and record all aspects of your financial life to ensure the best possible starting point for your plan

5 Financial planning services Investment philosophy We model your assets, tax, expenditure, protection and debt into the future and help you to decide on the shape of your financial plan Eugene F. Fama Efficient Markets Hypothesis, University of Chicago Our philosophy is based not on speculation but on the science of capital markets When investing for your long term future, return is the reward for the risk you take with your money Capital markets around the world are efficient; there is no advantage to be gained from stock selection or market timing Diversification reduces risk and Asset Allocation allows risk to be adjusted to fit individual need

6 A picture of growth What this means for you? Your risk profile is assessed using a psychometric risk profiling questionnaire Your attitude towards risk is then put into the context of both your time horizon and planning goals We will help you decide on the most suitable portfolio to align to your financial plan Our role as the financial planner becomes one of supervision, monitoring and maintaining discipline It is important to ensure that the portfolio is reviewed on a regular basis, to ensure it remains suitable and provides the investment return needed for your financial plan

7 Use of an investment platform Online access The Financial Planning Group use a WRAP platform to manage your Investment Portfolio The WRAP is a web-based facility that allows us to construct cost-efficient and consolidated investment portfolios The financial products you may have bought in the past - Pensions, ISA s, Unit Trusts, Bonds - are taxed in different ways. To allow a cohesive investment strategy which is aligned to your plan these Tax Wrappers can now be managed in one place Your online access provides a clear view of your whole investment position. No longer are you required to think in terms of individual products or plans. Keeping track of your entire portfolio becomes a simple task, with instant portfolio valuations Vastly reduced paperwork and increased efficiency mean that we can focus on ensuring the correct investment strategy is in place to achieve your objectives Login securely to your personal account to view realtime valuations of your funds

8 Chartered Financial Planners The Financial Planning Group are proud to announce that the company have attained Chartered Financial Planner status recognition that we adhere to a strict code of conduct and a commitment to ongoing professional development. The object of the ethical code is to ensure that all our members act in the best interests of clients, of the society and the profession. All Chartered Financial Advisors have completed degree level professional qualifications and have at least five years experience Chartered status is the profession s gold standard for financial planners.

9 SCAN THIS QR CODE TO VISIT OUR WEBSITE The Financial Planning Group 1 Cambridge Road, Teddington, Middlesex, TW11 8DT enquiries@fpgonline.co.uk