Where to from here?

September 2010

The last few years would shake the confidence of any investor. The recession has brought volatile markets and the collapse of household names such as the Halifax and AIG.

So how do you get your pensions and investments back on track?

A starting point is to appoint a fee based financial adviser who can offer comprehensive, impartial advice. Clients have complex needs and to achieve your financial goals you are likely to require advice on pensions, investments, insurance and inheritance tax planning.

Decisions about your finances are easier if you know where you are going. The next step is to create a plan that clearly establishes your financial goals. The decisions you make today will then have your long term aims in mind. We use specialist software that has been designed to help bring you face to face with the reality of what your financial future looks like. You will know the truth about your future so you can do something about it and have the answer to the big questions such as “when precisely can I afford to stop doing the things that have become a drag ... and start doing things that I really enjoy?”

The final step is to apply an investment philosophy that delivers long term returns. We all know that there is no such thing as a free lunch and as much as we would like a plan that delivers the highest possible return, in the shortest possible time, at the lowest possible cost, with the lowest possible risk - it doesn’t exist.

To help you meet your goals we offer investment solutions that are grounded in academic science. We think long term, reduce expenses and diversify your portfolio to control risk. You will hear from us regularly as we monitor your portfolio to ensure that you stay on track and do not take unnecessary risks. Achieving your long term objectives requires discipline and regular reviews of your arrangements and goals.

Too often, pensions and investments held over many years are not reviewed and languish in poorly performing funds because it is difficult to obtain information and check performance. A review of your portfolio and long term ambitions, sooner rather than later will help you achieve your goals.

For further information please contact Kevin Jow at Hart Shaw Financial Planning on T: 0114 251 8870 or email: info@hartshawfp.co.uk.

Disclosure
The value of investments and the level of income taken from them can fluctuate. Past performance is not a reliable indicator of future performance and the value of units purchased may go down as well as up.

For our Wealth Management Service, we require instructions from you before we can arrange any transaction on your behalf.

Hart Shaw Financial Planning Limited is an Appointed Representative of Russell Ulyatt Financial Services Limited which is Authorised and Regulated by the Financial Services Authority. Registered in England & Wales Number 3603920