FSF News

UK inflation rate drops back to 3% The rate fell from November's six-year high of 3.1% mainly because of the impact of air ... Read more...

House prices: Midlands sees biggest rises The region saw the biggest price growth in the year to November, with London recording t... Read more...

Male work patterns see big shift to part-time roles, study says A big rise in men working part time is coupled with a fall in the number of middle earne... Read more...

Chile complains of World Bank unfair treatment The World Bank has ordered an enquiry into the ranking it gave Chile for competitiveness... Read more...

Sadiq Khan warns of Brexit 'lost decade' The London mayor says a hard Brexit could cost the UK 500,000 jobs and £50bn in lost in... Read more...

Plastic fantastic: How it changed the world Many things that we take for granted depend on plastic, but will consumers help reduce p... Read more...

Oil prices rise to hit four-year high of $70 a barrel Brent crude rose after Opec promised to keep a lid on crude production during 2018.... Read more...

What you should expect from us

The first step upon appointment is to gather as much information on your current situation as possible and begin to scope out your goals and aspirations.

Next we conduct a thorough analysis of the risk you are prepared to take, can take and should take. This process forms the bedrock to future investment planning and determines the mix of assets that we subsequently recommend within your portfolio, the underlying funds and the growth rate we assume for projections as part of our lifetime analysis.

During the initial few weeks, under an authority from you, we will write to all of your current providers and request full details of your plans.

Sophisticated cash-flow analysis helps shape future strategy by projecting income flows from all assets into retirement. It also allows us the chance to conduct ‘what if’ scenarios showing the impact of additional investments or a change of circumstance such as retiring early.

Once all of the research is in place we will analyse this in the context of your current situation and your risk profile to develop recommendations on how best to meet your goals.

We will deliver these recommendations at a meeting and leave you with written advice thereby allowing you a period of reflection before meeting again to answer any questions.

We may decide it appropriate to refer you to one of our investment partners in which case we would suggest they attend the recommendations meeting. This gives them the chance to run through the discretionary fund management offering and detail how they propose to invest funds.

Once our recommendations have been implemented, we would be looking to meet again to ensure you are fully ‘au fait’ with what you have and what to expect. Regular meetings for serviced clients thereafter ensure you keep on track and are totally aware of how things are going.