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Financial Advice You Can Trust
 

Financial Advice You Can Trust

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A quick introduction to the importance of financial planning including pensions, investments, tax, forward thinking. John would like to be your trusted adviser. ...

A quick introduction to the importance of financial planning including pensions, investments, tax, forward thinking. John would like to be your trusted adviser.
John is an independent financial adviser from Lighthouse Financial Advice, which is an appointed representative of LighthouseXpress Limited. Authorised and regulated by the Financial Services Authority

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  • Although almost everyone knows that long-term stock market investments have significantly outperformed returns available from deposit accounts, some people are put off investing in the stock market because of the worry that short term fluctuations could result in them losing money. Timing is almost impossible to get right and you have little influence however time in the market is your choice. This is why we recommend a minimum of 5 years, as it potentially gives the investment an opportunity to perform.

Financial Advice You Can Trust Financial Advice You Can Trust Presentation Transcript

  • Financial Advice You Can Trust
    John Kendall
    of
    Independent Financial Advisers
    Lighthouse Financial AdviceLimitedis an appointed representative of LighthouseXpress Limited which is authorised and regulated by the Financial Services Authority
  • Types of Advice
  • Lighthouse Financial Advice Limited is an appointed representative of LighthouseXpress Limited which is authorised and regulated by the Financial Services Authority.
    The FSA does not regulate Wills, Trusts, Taxation, Tax Planning and some
    Mortgages.
    Lighthouse Financial Advice Limited
    Woodrow House
    78-84 Warren Road
    Woodingdean
    Brighton
    BN2 6BA
    08000 85 85 90
  • Agenda
    Personal Introduction
    Why personalised financial advice is so important
    Adding value to your planning
    My service proposition for clients
  • My Background
    • Oxford educated - BA Chemistry
    • Imperial College London - MSc/MBA
    • 30 years in large companies (Unilever ,Thorn EMI) consulting,
    problem solving, financial reporting, project management, executive reporting, adviser, strategist, implementer
    • Advised at divisional board level
    • Worked in – UK, Holland, France and others.
    • Industries – Food, consumer goods, aggregates & concrete, health, oil development, direct marketing and IT
    • KRM Concrete (Portsmouth) – 30+ years in family business shareholder & director
    • Experience of small, medium and large organisations
  • A Wealth of Experience
    Marriage - 36 years with 2 Daughters
    Executor of 3 Estates and Administrator of 2
    1 Business sale / 1 Buy out of family shares
    Formed, traded and dissolved a business
    7 stock market crashes and recoveries
    Became an IFA after seeing the poor state of the family firm pension scheme
    A High Net Worth individual as defined by Merill Lynch Cap Gemini World Wealth Report 2010
  • What Do I Do For You?
    • Ensure you have the right amount of money in the right hands at the right time
    • Help you confidently make financial decisions & choose appropriate options in an increasingly complex world
    • Provide financial advice by highlighting your risks and needs such as ;
    Life/death Serious Illness Incapacity Borrowings
    Inflation Savings & Investment Tax
    Planning For Retirement Income & Longevity
  • Put Another Way
    I am here to support and guide you through your decision making and the application of your choices
  • My Financial Planning Process
    Establish and define our working relationship
    Understanding your circumstances including goals/aspirations & fears/concerns
    Understanding your financial situation
    Developing & presenting financial planning recommendations
    Helping to implement the recommendations
    Regular reviews ensuring your financial plans remain appropriate
    Providing support & guidance when needed
  • Financial Investment requires insight & experience!
    UK Financial History 1950 to 2009 source Scottish Widows
  • Straightforward Advice
    The basics of investing in real assets
    A deposit account provides interest but no ability for capital growth
    A real asset provides an income and the potential of capital growth…….. Such as property and shares
    Real assets can provide a hedge against inflation which is why it is good practice to consider investing in them
    Real Returns (less inflation)
    Income reinvested
    Source Barclays Capital Equity Gilt 2010 Study 2010
  • Where & When should you invest?
  • Straightforward Advice
    I provide a comprehensive & robust investment service
    Analyse your attitude to risk
    with your assets to ensure that
    you are not overly exposed to risk
    or invested too safely
    2. First class asset allocation
    System
    3. First class fund & fund manager selection. Professionals to review investments daily.
  • What is your appetite for risk?
    • Assessing risk is part of our everyday lives & we are all used to making risk assessments – from crossing a busy road to taking part in sport
    • What may seem risky to one person may be pedestrian to another
    • Independent risk profiling based on proven statistical modelling using Distribution Technology’s Dynamic Risk Profiler
    • Calculates a risk profile on a scale of 1 (safety first) to 10 (acquisitive Investor)
    • Uses Psychometric Questioning
    Profiling considers your key investor
    characteristics:
    • Risk sensitivity
    • Desire for profit
    • Tolerance of ambiguity
    • Outlook
    • Horizon
    • Financial awareness
    • Investment experience
    • Suggestibility
  • Straightforward Advice
    4. Analysis of the right type of investment approach for you
    (considering tax, costs, accessibility)
    5. An overall (holistic) view to help you decide the most appropriate
    solution –For lifestyle decisions, for the performance and risk you
    choose.
    6. Easy access to portfolio valuations
    7. Regular reviews and monitoring
    Of your appetite for risk Of the performance of your portfolio Previous decisions match with current lifestyle choices
    Then Implement changes to help reduce the risk of future income /capital shortfalls
  • Advice Area Examples
    Will you have enough money in retirement?
    Pensions
    What is your current expected State Pension entitlement? Will it be enough?
    Have you anyother pension provision?
    Are there gaps in your planning? If so when and how will they affect you?
    Do you have old pension schemes/plans that are not managed/poorly invested, provide poor value for money?
    Other Funds
    Are you expecting to inherit money?
    Is your house your pension? What will it provide?
    What are the associated risks with your plans?
    Don’t forget that retirement income planning also has to consider your PersonalPlanning(i.e. non financial issues)
  • Advice Area Examples
    • Estate Planning – Inheritance Tax, Care Homes, Money running out……….
    • Have you made a will? Is it up to date?
    • Are you aware of the rules of intestacy and how they can affect you and your loved ones?
    Would you like to understand potential outcomes & what this will mean for you & your family?
    I can help you assess these risks & plan
  • Advice Area Examples
    Do you Run a Business ?
    • As you get older how will your involvement in the business change?
    • What impact will this have on you, your family, the business ?
    • Which natural changes in your life & family will impact on the business?
    • Have you considered your exit strategy?
    • How much is enough? Will your business provide enough?
    • Most owners (my experience) are optimistic about their company value. What will this mean for you, your family & the business?
    • Parent health and care can affect your time spent in the business – have you planned for this?
    • What will the impact of serious illness or death have on you & your business?
    • Is your business your main pension?
    Will you have enough money to retire ?
  • Integrated Advice.
    Personal / Business financial planning
    Integrated Financial Planning
    • Family
    • Business
    Benefits
    • Directors
    • Shareholders
    Business Will / Individuals Wills
    Guaranteed Market
    for shares
    Tax Planning
    Other Key People
    Locked in
    Company Protected
  • Summary
    I can guide you through an organised process
    To help you understand your existing position
    What this will mean for you in the future
    Focusing on possible shortfalls /surpluses
    With analysis of existing risk & assets presented as a meaningful report
    With recommendations to implement
  • Inaction Costs - the 4Ds
    Planning to meet your goals requires action
    You have 4 simple choices – all will cost you…
    • Do it Now i.e. do you have the time & knowledge to do this yourself competently
    • Delay it i.e. will this cost you in lost returns, opportunity or greater risk ?
    • Drop it i.e. take no action – who else will be affected by this ?
    • Delegate it i.e. allow me to understand & work with you to manage the process for you, making it easier & freeing up your limited time
    Why Not Book an Initial Meeting with me Today at our Expense.
  • Regulatory Information
    • The value of investments and the income derived from them may go down as well as up and you may not receive back all the money which you invest.
    • The investments and investment services described or recommended in this presentation may not be suitable for all people. You should seek your own professional advice as to the suitability of any such investment or service before you enter into any transaction.
    • Any information relating to past performance of an investment or investment service is not necessarily a guide to future performance.
    • Fluctuations in the rate of exchange may have an adverse effect on the value, price or income of non-sterling denominated investments.
    • Aspects of corporate financial planning, Aspects of Trust and Estate planning, Tax planning & Commercial mortgages and finance are not regulated by the Financial Services Authority
    • Your home may be repossessed if you do not keep up repayments on a mortgage
    • The information provided at this seminar is generic and not to be taken as personal advice.
    • For any correspondence please address this to
    John Kendall
    Lighthouse Financial AdviceLimited
    7 Baldock Road,
    Letchworth Garden City,
    Hertfordshire
    SG6 2EG