Saving & Investments
Committing your money to regular savings or lump sum investments may be a daunting prospect, particularly in today’s economic climate; but this has always been the case.
At Philip T. English I.F.S Limited, we have an investment advice process that has helped clarify expectations and meet our clients’ objectives for over three decades.
The process first consists of fully understanding your financial objectives, attitudes, experiences and circumstances, both at present and how things may be for you in the future.
Based on an understanding of your requirements following our initial meeting(s), we will be able to formulate a financial plan together which will be suitable for your individual needs.
All solutions are vigorously investigated and constantly reviewed in light of new options, evolving tax regimes and new legislation, as well as your changing work and personal circumstances.
The objective is to avoid jargon and overly technical descriptions and seek clarity in choosing and explaining the most appropriate options for your consideration.
There is no commission-induced bias within my recommendations because I work on an agreed same fee basis, across the various investment products and solutions. The solution that is the most beneficial for you will be my final recommendation. The importance of this point cannot be understated.
The right planning for you
Having a deep understanding of your individual needs and situation is a fundamental factor in enabling me to give you the best advice on your savings and investments.
It is not just simply a question of ‘cherry picking’ the most promising investments that look as though they will produce the best returns for you; there are many other factors to consider:
- Your objectives and time frames
- Your previous experiences of saving and investing
- Your attitude towards risk and reward
- Your own particular financial and taxation circumstances
In our initial meeting, I seek answers to these and other questions that will guide the research process in finding you the investment options best suited to your needs.
Understanding your options/portfolio
All of my recommendations will be clearly outlined to you in a full written report. This will reiterate the points we have discussed in our meetings and how we have agreed to proceed. The report will also detail the mechanics of your savings and investments portfolio, the reasons we have chosen these options and the outcomes we can reasonably expect.
Regular review of progress
It is important to monitor the performance of your savings and investments on a regular basis.
My clients appreciate the frequent communication and regular review processes that I provide when managing their savings and investments.
At Philip T. English LTD, we manage tens of millions of pounds in savings and investments for our clients. Regular reviews are an important aspect of this responsibility.
If you have a question, or would like to arrange an initial meeting at no cost or obligation to discuss whether I can help you with your savings and investment plans, call Nigel on (01295) 660571 or request a call-back.