FAQ'S AND OBJECTIONS

Over the years we have met different fears and objections, so let us try and address some of those;
 
 
Q1)  What is stopping you from running off with my money?
 
Other than it would be theft and fraud, this question shows misunderstanding of Anti Money Laundering policies
 We have neither the ability or the inclination.  
 
Nobody could access  client capital without strict AML checks and even then it may only be paid into a UK bank account registered in their name. 
 
All scams we have seen were caused by investors bypassing professional services to save on fees 

 
Use the correct channels and view investment fees as an incentive and protection for the portfolio to flourish
 
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Q2) So you could pick a random provider or manager that I’ve never heard of and I have to trust that?
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Yes, that is our Independence.  We work with bona-fide companies and qualified professionals.  We do not place unregulated capital and do not go 'off-piste'. 

If you only wish to see giant household names within your recommendations please let us know at the first meeting and we shall accommodate.  
 
We can't promise that those multi-million-pound offices were achieved by being the best value provider to the clients, but if that brand name is important for your peace of mind we can apply a filter for you.
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Q3)  I could do it myself and save the fees
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Ah yes.  The DIY investor that bets on below sector average returns in order to save on fees.  Unqualified, little experience, uses the advanced 'pin the tail on the donkey' investment strategy, then complains about markets when things go wrong.
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The fundamental point is that you would not achieve the same results as us within the same parameters.
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If we can get you the right performance for cheaper, be assured that we will.  Daft example I know; but if I had a pension that charged me no fees and made 3.5% per annum, would that be preferable to one that charged 2% per annum and made 10% per annum?  Your focus should be on the appreciation of the 10% and not to consider you'd have got 12% if you'd done it yourself.... a quite unthinkable chance
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The sensible approach is to ensure that whatever the fees are, the performance and returns must justify those fees. 
 
 
FT Jan 24;
When Mr XXXX got access to his pension aged 55, he had £220,000 in his pot but is now left with just £3,000. 
The 62-year-old told FT that he lost most of his pension in just three years by being able to put his savings into high-risk investments within his DIY Sipp.
The FTSE-100 listed pension company said there was nothing they can do to help Mr XXXX further.
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He should have used an IFA, it's beyond sad to the point of daft.

 

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Q4)  I just need a form signing, I know what I am doing
 
We can only sign off our own work.
We made the decision that to avoid causing any offence we would deny sign-offs across the board, irrespective of the rather lucrative fees offered, we respectfully decline.​
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Q5)  My existing provider says your work could be a scam and they are safer.
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We are FCA registered and we are vetted annually.

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This  behaviour is a disturbance sales technique that is used by your existing provider to retain your capital.  For every day they hold on to your cash, a target is met for their shareholders . 

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Disturbance selling [DS] is a technique used to scare clients into doing nothing which means they retain the cash.  The banks and providers have targets and courses on DS.
 
If the old provider was the best environment to hold your capital, we would of course recommend them.  It is a shame that the fear of being scammed is now used as a sales technique for uncompetitive providers to retain capital 
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