|
Correct Independent Financial Advice consists of experienced and qualified Independent
Financial Advisers. Our commitment is to deliver a transparent and value-added
one-stop financial advisory service to our clients. We aim to deliver our
commitment by offering a no nonsense genuine choice by using our experience,
connections and expertise to research the whole market for the most appropriate
financial solutions to our clients’ needs so that our clients can enjoy
financial security and peace of mind for themselves and their families with us
working alongside them.
Our mission focus is that our clients will regard us as professionals, whose
aim is to provide bespoke and trusted financial planning service through their
life stages.
What differentiates us from other Financial Services advisory firms?
- We know from extensive research and our experience of our industry that
most financial and mortgage advisers and firms concentrate their efforts
with clients on product solutions. Whilst this can be a useful step in the
right direction for many clients, we maintain the belief that this is not
the most appropriate way to help the majority of clients achieve the
financial security and peace of mind which they want and deserve.
- We don’t just sell policies and products but we offer financial guidance and
solutions designed to make and save our clients’ money. It is about having
and discussing a plan rather than products because financial planning is
about plans and not necessarily products. Products such as investment,
mortgages, life assurance, pension etc are tools to assist in reaching the
bigger objectives – “the plan”.
- The range and level of service we provide can be tailored to suit your
specific circumstances. This can range from simply acting on your
instructions to arrange a specific financial transaction, conducting a
financial health check to developing a bespoke holistic financial planning
programme to accumulate wealth over time whilst eliminate unnecessary risks
and effectively helping you to manage the process.
The essence of holistic financial planning
We focus on the totality of your situation in terms of what will give you the
financial security you want and deserve whilst equally offering genuine
no-nonsense choice and value for money.
It is all about looking at all of the tools we could employ to assist you so
that you can enjoy peace of mind and financial security as shown in the
illustration below.
What ways can I use to legally accumulate wealth?
- Inherit it.
- Marry into it.
- Create it through work, enterprise and a careful financial planning
programme.
There are a number of key levels of financial well-being that we work with our clients on. These are:
- Financial Existence – You are living for the day without any
financial safety net.
- Financial Protection – You have accumulated enough resources to
cover basic living expenses, plus a small nest egg for the rainy day.
Financial protection is one of avoidance of loss – by which we mean how you
will and your family will cope in the event of the unfortunate events of
life such as death, Loss of the breadwinner, Illness, Long term disability,
Redundancy, contracting a defined Critical Illness condition etc?
- Financial Security – You have accumulated enough financial
resources to cover needs far in excess of simple basic needs of food,
shelter and housing and can relax about the medium term. These stages are
ones of going over and beyond basic levels of protection and could
incorporate Investment Planning, Asset Protection, Tax-Efficiency, Estate
Planning, School Fees Planning, and Mortgage Planning etc.
- Financial Vitality – You have accumulated enough financial
resources to cover all of your medium term needs as well as some of your
dream goals of holidays, owning a beach-side property abroad etc.
- Financial Independence – You have accumulated enough financial
resources that you do not need to work, if you don’t want to.
- Financial Abundance - You have accumulated enough financial
resources that you do not need to work, if you don’t want to and you can
live your dreams.
- Financial Freedom (Absolute) - You have accumulated enough financial
resources that money is no object to anything.
Whilst there are interpretations and definitions for each of these stages as
we have seen, the important starting point is to identify where you are, where
you want to be and having the right team of experienced experts to work with you
in designing a route-map to get you there in a timely and tax efficient manner.
That is where we come in! To begin the journey,
contact us NOW!
In the world of financial planning, the key obstacles in the way of everyone
to take immediate action are:
- Fear of loss – be it money, the unknown etc.
- Complacency – taking for granted the need to take timely action
in a manner designed to help you achieve your goals and objectives.
- Ignorance - This can manifest itself either in a general lack of
knowing what to do or refusing to accept and put into action what we know
needs to be done.
- Time - We all have busy daily schedules and the amount of time we
have to think about ourselves and our loved ones continues to get repeatedly
eroded by intrusion of technology, longer working hours, longer delays in
traffic etc. The ironic thing from a financial planning point of view is
that the only equal opportunity employer we all have is time. Think about this, where
ever you currently are in your journey of financial security and comfort,
you have the same number of hours in a day as the most successful person in
the world you know or have heard of. You may then ask yourself, how do they
do it? Well, the answer that we have found through years of extensive
research and analysis is that they manage their time differently to the way
most of us do. They also employ the service of quality advisers to help
manage their affairs. You can enjoy similar privileges by
contacting us NOW!
|
