We'll provide you with a lifetime Financial Master Plan that lists everything you wish to achieve. We'll be there with you during the inevitable market extremes - both periods of unsustained euphoria and exaggerated armageddon. We'll prevent you from doing anything that is financially self destructive. If we can ensure you don't make life-changing errors during these periods, our value is exponential. Employing a caring adviser is like taking out 'big mistake insurance'.

What we'll do

- Help remove the anxiety you feel about being financially disorganised.

- Get to know your hopes and fears.

- Be a caring, considerate sounding board for all your major (or minor) life decisions. 

- Provide clarity about the confusing world of wealth creation.

- Help you avoid the 'big mistakes'.

- Provide optimism during periods of major pessimism.

- Manage your money in the same way we manage our own. 

What we can't do

- Predict the direction of the economy or the stock market.

- Pick hot sectors/hot funds/hot managers in advance. No one can.

- Provide high returns with low volatility (impossible).

- Sell into a temporary declining market.

- Allow you to do anything we wouldn't do ourselves. 

- Manage your investment portfolio without a clear financial plan.

- Pick the correct time to invest - we believe in 'time in' the market and not 'timing' the market.
The best time to invest was 30 years ago, the second best time is today.

- Have an opinion on things that are outside of our control or are unimportant - the bulk of what most commentators focus on.

- Manage half your investment account and the rest be managed elsewhere. An army general would never manage half an army.