Adviceworks Limited

Latest News

Funds

• Gibraltar to scrap curb on funds to lure customers
• Chinese, Texan and classic on hedge fund menu
• Lansdowne drops UK from name of $7.5 billion hedge fund

Stocks and Shares

• Oil swoops back onto recovering investors' radar
• China's offshore yuan market spurs FX volatility
• China bid to boost growth a surprise in timing only

Personal Finance

• Banks shell out 1.9 billion pounds for mis-selling
• Economy set for moderate recovery - Bank's Bean
• Small businesses seek crowds as funding alternative

Markets

• Asia shares fall amid eurozone concerns
• Greek debt swap pay-out prospect weighed
• Japan’s policy will spur high debt economies

Why Adviceworks

• Highly qualified, highly ethical, Independent Financial Planners
• Established 10 years
• Boutique not a supermarket
• Friendly and approachable
• Passionate about your finances

• Bespoke financial planning advice geared to your own ‘life plan' objectives
• Take time to really get to know you
• Take control of your financial planning
• Bring peace of mind to your finances
• Offer the best financial products from the whole of the marketplace
• 100% focused on providing the best possible advice that we can
• Explain complex issues in plain English
• Build  long term client relationships
• Are accountable for the advice that we give

 What we are not

• A sales driven company
• A discount broker
• A business giving free advice
• A stock broker who gives advice on individual shares

• Your financial affairs are vitally important
• Professional financial planning advice is essential in today’s complex and rapidly changing world
• It is a false economy not to take advice
• Active fund management at a higher cost is an option to passive management. ( We offer both options)
• Your life goals drive your financial goals

• A long term, enjoyable, valued relationship
• Your input, interest and time into your own finances
• Speedy response to our proposals and requests
• Immediately inform us if your circumstances or objectives change
• Immediately inform  us if you have cause to worry
• Our invoices settled without delay
• To keep your appointments with us and not to cancel without reasonable notice
• To recommend us to other people who could benefit from the services that we offer

• Through  fees and / or commission
• Most investment business is carried out on a fee basis
• Most mortgage and regular premium business is carried out on a
• commission basis
• We will discuss and agree the most suitable option that works for both yourself and Adviceworks
• We will advise you of all costs before we carry out work for you
• Refer to our Keyfacts document for further information regarding our services and costs

• This is a core area of our business
• We believe in actively managing pension monies to maximise returns, as you would any other cash deposit or investment
• It is easier to manage many different personal pension plans by consolidating them 
• We prefer Self Invested Personal Pensions (SIPPs) where appropriate
• We are performance driven rather than cost driven
• We are active in the Annuity and Drawdown markets

• This is a core area of our business
• We typically look after investments of £50,000 and above for individuals wishing to invest for the long term and who are willing to accept a degree of risk
• Our expertise is in portfolio planning and picking the right funds / fund managers for you.
• We can not call the markets and believe in balanced, diversified portfolios as our preferred investment strategy
• We have a defined investment process as follows:
  - Setting your financial objectives
  - Assessment of your attitude to investment risk
  - Agreeing an asset allocation strategy
-Fund Manager choice
- Making tactical decisions to reflect current economic
  conditions
- Making use of tax wrappers
- Providing ongoing reviews
• We strongly believe in asset diversification to lower risk
• We look to identify sectors that could do well in the future rather than look what has done well historically

• It is almost impossible to avoid risk
• There appears to be more risk in today’s world than historically
• Typical risks today include, Investment, Provider, Inflation, Economic, Legislative and Political
• Fund fact sheets are an important indicator as to past performance and past volatility. They are not an indicator as to future performance
• Minimum Investment term for a risk investment is five years and ideally ten

• This is a core offering for all pension and investment clients
• It ensures that your finances are reviewed on a regular basis
• It is essential In this rapidly changing world where personal, financial and economic circumstance change almost daily

• We are directly regulated by the Financial Services Authority
• We  employ third party compliance specialists to oversee our procedures and advice, on a regular basis
• We will write to you confirm our recommendations and action taken. We will endeavour to do this in plain English.
• We carry Professional Indemnity Insurance to the minimum FSA requirements
• In irreconcilable situations, you have recourse to the Financial Ombudsman and The Investors Compensation Scheme