Financial advice

We strongly support a goals-based approach to investing, in which you and your adviser identify where you want to be and create a clear plan to get there.

Studies show that getting financial advice can make a big difference to long-term financial outcomes. 

1. Francis M. Kinniry Jr. CFA et al. ‘Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.’ Vanguard Research, July 2018.
2. ‘The Future of Retirement Power of Planning’, HSBC 2011.
3. Brinson, Gary P., Hood, L. Randolph, and Beebower, Gilbert L. ‘Determinants of Portfolio Performance,’ Financial Analysts Journal, July-August 1986, pp. 39–44.

Listening is one of the most important aspects of financial advice. It’s important for your adviser to understand where you are now and where you want to be in the future. This helps them develop a plan based on your specific financial goals and aspirations.

All investments carry a degree of risk. And all of us react differently to changes in our investments, particularly during times of market volatility. Part of your adviser’s job is to understand your attitude towards risk and to be there to answer questions or address concerns when market conditions change.

Once your financial adviser understands your goals and attitude towards risk, they can construct your investment portfolio. This involves making sure you have the right mix of assets to achieve your goals and adjusting them over time so your portfolio stays on track.

Our tailored financial advice is about more than creating an investment plan. It’s about understanding where you are now, where you want to be in the future, and what we need to do to get you there.