From January 1st 2013, the way that you pay for financial services is changing. Instead of costs being hidden behind commissions, you’ll have to pay your Independent Financial Advisor direct for receiving the best advice and benefit of their experience.
At Reeves Independent Wealth Management, we do appreciate however that there is another option; shopping direct online.
Before you consider this, we’d like to gently remind you why sometimes some things are best left in the hands of experts and not call centre telesales clerks or automated systems. For example, would you really want to trust in a doctor’s online diagnosis or make decisions about your children’s future school via an online presentation?
Some things are great online; others are best left upfront and personal. Your financial future is one of them!
Why seek our advice?
As a valued client, we know you and what your financial circumstances and aspirations are. Our team has years of experience in not only dealing with the financial market but also analysing trends & statistics to make sure that the best possible advice is given to help you decide on your investments. Of course once you invest with us, we provide you with regular reviews & pro-active phone calls to ensure that your investment is protected.
The financial world can be a legislative nightmare with regular changes to rules and regulations. Our team make it their business to keep themselves up to date on factors that may affect your valuable investment. Whether it’s an opportunity or a threat, we will keep you personally informed – something that a website can’t always do.
Reeves Independent Wealth Management can:
- Establish the degree of investment risk you’re willing to take
- Tell you about the main asset classes such as cash, equities, bonds and property
- Work out how to make the most of tax efficient investments
- Tell you about specialist types of investments, such as ethical funds
- Align you investments with a bespoke retirement plan
- Integrate Inheritance tax issues/death & ill health planning into your investment plans
How we’ve performed for you
Over the past year, our clients have predominantly invested in cash and bonds. Through good, financial management, a significant percentage of our client’s assets have avoided being exposed to volatile equity markets, keeping their capital safe. Similarly, Corporate Bonds have been used for client’s wanting an even lower risk and have achieved similar growth to equity markets (7.7% last 6 months) compared to 6.1% from the FTSE 100 Index.
For our clients wanting equity investment, we advised those prepared to take higher risks to support Europe & financial equities through various collective funds. Over the last six months the European sector has outperformed the FTSE 100 Index, whilst the financial sector has lagged behind.
In summary, clients following our advice have seen their overall exposure kept to an absolute minimum whilst keeping away volatile markets, which have led to slightly lower returns than the FTSE 100 Index. Returns have mainly been dampened by cash holdings while clients who have just invested (no cash holdings) have generally outperformed the FTSE 100 with significantly lower risk.
Remember if you decide to take financial services advice online, you would not be receiving advice from us and you may find that there is an important issue concerning the investment or the product that you have overlooked.
You would also receive less protection in the event of a failure of your investment. For example, you would be unlikely to be successful in a complaint against us for ‘mis-selling’.
How we can help you further:
Whether you are considering investing in individual companies, a collective investment scheme such as a Unit Trust, Open Ended Investment Company (OEIC) Investment Trust or making the most of tax efficient investments using an Individual Savings Account (ISA), it always pays to seek investment advice from an IFA.
There are always questions to answer when it comes to your finances and our Priority Client Financial Health-Check will help you to make the best possible decisions on matters such as:
- Will your current retirement provision provide you with the income you need in retirement?
- Are your savings aligned to your current and future objectives?
- Is your portfolio maximising the tax efficient opportunities available?
- Has your portfolio been reviewed and aligned to your risk profile?
Sometimes, money can arrive from unexpected sources, a lump sum inheritance or even a lottery win but mostly, your investment comes from earning it through sheer hard work.
At Reeves Independent Wealth Management we will question you extensively about your goals and ambitions so that we can give you the most appropriate solution from the whole of the market to help you achieve them. We guarantee that we will also tell you all of the risks associated with the options available and work with you to create an investment package as individual as you are.
We also want to make sure that the funds you have saved will go into an investment that will grow in value. We are able to assess the performance of individual portfolios using software analysis tools giving you peace of mind and the knowledge that our team of experts have the right experience and resources to guide you in the best way possible.
Reassurance, expertise and peace of mind are worth their weight in gold when it comes to financial decisions.
For a FREE no obligation chat about your current situation or your requirements then call 0191 281 9862 or e-mail firstname.lastname@example.org NOW!