Why use a financial adviser?

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Cashflow modelling

Projecting your position forward far into retirement with assumptions around growth rates, inflation, debt repayment, income and expenditure and how these change over time. This is essentially an annual budget that needs reconciling each year in order to ensure you are still on track to hit your long term goals and enables us to adapt if your situation changes or market forces necessitate it.

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Behavioural coaching

Research shows, if left to their own devices, investors travel in wrong direction (sell when they should be buying and buy when they should be selling), due to behavioural biases such as over-confidence and loss aversion. Our job is to help tune out the noise and stay focused on your long term goals.

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Tax planning

Taxes are charges which will have a compounding effect over time, eating into your returns, therefore tax efficiency is critical support for good investment outcomes. Advisers help by optimising your position by recommending the use of tax efficient wrappers, utilising allowances, creating effective contribution strategies and in retirement efficient withdrawal strategies.

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Relationship and Techinical Support

Our main role is providing guidance and reassurance via a strong personal relationship where trust is paramount. Our statements will be clear and understandable, you will increase your financial knowledge and confidence in these arenas which will be invaluable for your future.

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Asset Allocation & Investment Mix

​Independently select the right mix of investments for you and ensure you are in an environment which is rebalanced regularly, in line with your attitude to risk; if it underperforms for any reason, interrogate and change strategy where necessary.