Planning Not Hoping

Whilst focusing our attention on making money for our clients we realise that some clients prefer to draw-up a financial route map so to speak. There are different software packages available to IFAs to help clients ask the various ‘what if’’ type questions. However, these programmes are only as good as the assumptions made, the most critical one being the assumed investment return. This is why we focus on achieving superior investment returns.

The idea of planning is basically about targeting to meet specified future needs. For example, how much income will I need in retirement and how much will I need to invest over what period and what investment return to achieve it? Quite often the answer to the question is that ‘I can’t afford it!! So there you are thrown back on making the best use of resources, which in turn brings us back to our focus of achieving superior investment returns.