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Everyone needs Independent Financial Advice, and any advice sought should not be a one off event, or one when you are forced into action; prevention is inevitably better than cure!
As a deal for Treads CC I am willing to provide all Treads CC members/friends/family or colleagues a FREE full financial review. This will include a review of your income and expenditure, pension arrangements, investments, mortgage and protection contracts. I will assess the suitability of any policies currently in force, giving written reports on “the good, the bad and the ugly”; everybody has an element of all.
For business owners I will also do a full financial review of their companies’ Group Pension and Protection schemes (if any), with the aim to providing solutions which can enhance their employee benefits offering, while at the same time reducing company costs and improving staff morale. I will also assess if they are taking their income out of the company in the most tax efficient way.
Anyone who is facing, or been made redundant, in particular could benefit from seeing an Independent Financial Advisor. On this note, if anyone knows of a company about to make redundancies I can work with them to assist their employees in reducing the financial impact of redundancy.
What’s in it for Treads CC?
As a result of the above, should any business be transacted for an individual or company I will pass on 10% of any initial commission or fee to Treads CC.
What’s in it for me?
Simple, at worst you will be more financially organised and aware; at best, your position will be consolidated and you will be financially stronger for it.
Why are you giving away 10%?
I am a firm believer in “what goes around comes around”, if I am given the opportunity to help the membership in a professional capacity it is only right that I also help the organisation that enabled the introduction. I hope, that with an additional income stream all members will benefit in one way or another.
The amount of income and the use of the income generated in this way will be fully disclosed at the AGM; client details will NOT be passed to any other member of Treads CC. In addition, Treads CC will be free to use this income as it sees fit; I will be in no way able to influence Treads CC in any way.
As a thinking aid I have drawn up some bullet points below;
- Do you have a pension/investment contract – has it been reviewed within the last 12 months? If not, you could benefit from further advice.
- Is your Financial Adviser being paid commission out of your pension/investment, but not doing annual reviews? If they are not doing regular reviews, how do they justify this additional charge on your pension/investment?
- Do you have a mortgage, what rate are you paying? When was it last reviewed, are you paying too much? Paying too much on your mortgage is robbing you and your family of disposable income.
- Is the family protected from financial hardship on death/critical illness/inability to work due to accident or long term ill health? People often (not always) insure what they HAVE to, but rarely insure the most important asset to the family; themselves.
- Do you have a Will? Is it up to date? Do you want to decide what happens after your death, or do you want the State to stipulate what happens, including who brings up your children, where they are schooled and under which religion.
- When did you last analyse your Inheritance Tax liability? This is an often overlooked, yet vital area of financial planning. Most clients are surprised what their whole estate is worth and don’t realise the liability they are storing up for their beneficiaries. Married couples attract relief up to £624,000, with individuals attracting half this. On death, assets over and above these limits are taxed at a whopping 40%!
- If you have a Financial Advisor, when is the last time HE/SHE proactively contacted YOU? When all is well in the world it is easy for an adequate Adviser to make themselves look good; it is far harder to do this when the world’s economy is in a down turn. It is in current conditions that an excellent Adviser is contacting you; actively reviewing your changing financial situation, explaining what is happening and educating their clients.
If you would like to take this opportunity and want to know more about the firm I work with have a look at our website; www.philiptenglish.com or contact me directly by email; Chris Howard alternatively feel free to PM me through my user name “mcobie” with your contact details and we can have an informal chat at a time of your choosing and go from there.
Chris Howard CertPFS CertCII (MP)
Financial Advisor
"PHILIP T. ENGLISH INTERNATIONAL FINANCIAL SERVICES LIMITED IS AUTHORISED AND REGULATED BY THE FINANCIAL SERVICES AUTHORITY
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