let’s get your investments back on track
Need help managing your existing pension or investments?
Have you already got investments, an offshore bond or a pension, which aren’t being proactively managed towards your goals?
Are you tired of being passed between new financial advisers every 6-9 months, and looking to work with one person for the long run?
Do you want to make sure your wealth is structured to support your life, now and in the future?
Working with a wide range of investment platforms, offshore bonds, SIPP & QROPS providers, I may be able to help manage your arrangements without needing to surrender them.
If they could be in a better place with a different provider, I’ll make sure you know.
Time to get a second opinion?
If your current portfolio isn’t behaving the way you expected, it might be a sign things aren’t in the right place.
1. Understanding you
Instead of a sporadic collection of assets, your wealth should be structured to support your life.
To evaluate your portfolio, we need to understand the future you see, and the goals you want to achieve.
2. Diagnosing the issues
In plain English, we’ll explain:
- The charges & fees you’re paying.
- The performance you can expect.
- How this compares to alternatives.
- If your assets will realistically support your goals.
- Gaps that need consideration.
3. Identifying solutions
You’ll get a detailed recommendation to address any issues.
This may simply require changing the investments in your existing account, or switching to more suitable arrangements.
How we invest
> Simple Beats Complex
93.6% of returns come from the asset class you’re invested in. Vast diversification, and cost-effectively capturing asset class returns, ensures risk is rewarded over the long-run.
> A Core/Satellite Approach
Starting from a globally diversified index-based approach to capturing market returns. Enhanced by tilting your portfolio towards areas of higher expected returns, and tilting away from areas of vulnerability.
> Survival is Key
If you’re retiring tomorrow, your investment horizon is 30+ years. Long-term returns are the ones that matter, but you have to make it through the short-term to get there. Our risk management strategy attempts to reduce volatility during severe market disruptions, so you can stick with your long-term investment plan.
> Portfolios Customised to Your Goals
Strategy has to be personal to work over the long run. We cannot invest your assets without a deep understanding of your risk profile, time horizon and goals. From there we can create a portfolio that meets your specific circumstances, needs and desires.
Arrange your portfolio review today
Let us know the best way to contact you below.
Frequently Asked Questions
Can I keep my original investment structure?
Usually yes. If the structure you already have is cost-efficient and provides access to a wide range of investments, or if there are prohibitive surrender penalties or tax consequences, in most cases I can manage your funds with the existing provider.
Do you work with providers other than those above?
Yes. The list of investment platforms, pension trustees and life assurance companies I work with is always expanding.
Will you consider alternatives to my current arrangements?
Yes. We’ll review your existing assets to make sure they’re in the best position possible to support your future. If I believe another solution is more suitable I’ll recommend it.
What if my funds or platform has a surrender penalty?
I’ll run a detailed analysis to look at the benefits of managing things where they are, or surrendering them and reinvesting the proceeds somewhere more suitable, from both a cost and performance perspective.
What is a second opinion?
We’ll consider both the performance, tax efficiency, and costs of your investments, and their ability to support the future life you want in the most effective way possible.
First we’ll discuss your ongoing and future financial needs, and your current arrangements.
Next we’ll analyse your situation and help you understand what you currently have in investments, insurance, pensions, and estate planning, and provide an outline recommendation for the gaps you need to fill.
Can you provide a second opinion on any investment arrangements?
I specialise in dealing with – UK Pensions, QROPS Pensions, International Pension Plans, ISAs, Offshore Bonds, General Investment Accounts, Regular Savings Plans, invested in Mutual Funds, ETFs, Stocks and Bonds.
It’s common for people to seek second opinions on insurance based investment products, like those from Utmost International, Zurich International, Hansard International, RL360, Providence Life, Ardan International and Friends Provident International.
How do I know if I might need a second opinion?
Something that worked well for you in the past, might not be the right solution for you today.
It’s important to make sure that as your life changes, your financial arrangements still aligned. So if you’re approaching a lifestyle change, now is a good time to re-assess.
Like all industries, the financial services landscape has evolved dramatically over the last decade.
If you have an investment or pension product taken out before 2019, there’s a high chance you’re paying more than you should, or following an outdated investment strategy.
How long does it normally take?
This depends on how much information you are able to provide, and how long it takes to ask your existing investment provider for any other details I need to provide your second opinion analysis.
Once I have the required information, you’ll get the clarity you’re searching for within a few days.
Will a second opinion help me understand if I have enough to retire?
Yes.
The process involves forecasting potential outcomes for your existing financial arrangements, to check if they’ll continue to support your lifestyle.
We’ll then look at how your situation can be optimised, to improve your choice for the future.
Will a second opinion help me understand what I’m paying and where I could save cost?
Yes, a second opinion will not only help you identify how to reduce costs, but also improve the certainty of long-term performance, and ensure your arrangements are aligned with your future.
Will you help me implement your recommendations?
Absolutely, once we’ve identified the problems, we’ll recommend a solution, help you implement it, and provide an ongoing service to ensure things stay on track.