Category Archives: Financial Planning Truths

Two IFA’s In A Pub.

 

On Friday of last week I was standing in the King and Queen pub [Brighton] with one retired Independent Financial Adviser and one currently authorised by the @FCA.

MoneyTrainers - FIdelity

I have known these two people for over twenty years and had in the past supervised them both, this meant that I had to check their advice and comment accordingly. Certainly both of them are what you would call experienced and competent advisers.

We’d had a very nice lunch and were now enjoying large rum and coke’s in order to round of the afternoon – a great time was had by all.

Despite having enjoyed a few drinks the talking became more and more serious when I was explaining to them one of the investment strategy’s I teach over here at MoneyTrainers.

Of course both of them explained that neither of them could do what I do because of the regulator.

That was interesting to me – both of these experienced financial advisers were not able to do the best thing for their clients because of the regulator.

 

Effectively the regulator is more concerned about regulating than consumers getting the right investment planning in place.

But I think it’s deeper than that. I think that the wealth management industry which includes many independent financial advisers don’t do the things I teach because they either can’t be bothered or they refuse to understand. Of course thirty years ago their approach would have been understandable, but in 2015 something is terribly wrong.

Importantly the one thing that we kind of agreed on – the investment returns from one fund had been good. The fund in question was the Fidelity Special Situations fund.

Indeed it is a good fund. But just one of my suggested funds has ‘knocked it into a cocked hat’ over a consistent period of time and for two reasons.

  • It is not trying and failing to be a better performer than the respective indexes.
  • Nor does it  make you pay for the attempt to beat the respective index.

You can continue to pay your fund managers and IFA’s for the privilege of having under performing investments or you can take control yourself and benefit in knowing that your path is a right one.

Even if you only get the same investment returns as the star manager from one of my strategies you will still be better of because charges will be at least ten percent lower every ten years.

MoneyTrainers – teaching you the truth about money.

Just so you know my Be Your Own Pension Adviser training is available now. Get in touch for more details.

For your Free Online – Money Course send me your details below.




Investment Returns 5 x Better With One Tweak.

NatwestMaking your money work harder.

Getting the most from your money has never been easy, but as I write this in 2015 things have never been more complicated. Record low interest rates have caused sizes and investors to be effected very badly, whilst we can expect interest rates to be going up in the short term future we have absolutely no idea when this will be.

 

As you can see from the images the banks and building societies are absolutely ripping you off by paying you derisory interest rates and charging their borrowers five or six times more than they’ll pay you.

 

 

It’s no wonder we’re seeing expensive advertising Nationwidecampaigns being wrong across most TV channels for some of these organisations.

It is you that is paying for them.

Most consumers think they don’t have a choice, but they do and it’s far easier than you think to increase the returns from your cash investments without taking much more risk.

In fact taking tiny bit more risk with your deposits means you can double your returns.

Without doubling your risk.

 

 

For your Free Online – Money Course send me your details below.




MoneyTrainers in association with the Pit Bull of Personal Finance.

MoneyTrainers – The Truth About Financial Advice

MoneyTrainers.

Since 1988 when Financial regulation first started to have an impact in the UK consumers have struggled to find genuine impartial and independent financial planning advice. And despite the promises made via government departments and the financial regulators not much has changed since then.

I think it’s fair to  say that the effect of regulation has been just to give us more regulation and has added little value to the consumers of financial products. Financial services mis-selling and wholesale mis-selling by the banks has further damaged trust in the sector.

For consumers getting access to high-quality financial advice and information has been and difficult in recent years. Nearly all financial advisors have to operate on a strict fee basis which means you have to pay per hour for advice and guidance. Despite the fact that the advice industry is contracting the information and knowledge you require in order to manage your own finances is now widely available to everybody.

Information that was once only available to a few insiders is now available publicly via the Internet. MoneyTrainers has been set up by an ex industry professional in order to ensure that you can get access to the right information to be able to manage and plan your finances by yourself, along with providing the tips and tricks you need to be able to make the most of what you have.

Do it yourself financial planning has never been easier, and importantly by taking control of your own finances and learning about how money really works is now easy – you just need to be aware of a few tricks.

Let’s consider pension planning as a starting point. If you are unlucky enough to have one of the highest charge providers in the market place you could see some 40% of your pension fund disappear in charges over the next ten years. Even with a low charging plan – you could see 15% go, and that’s before you have considered the other downsides to pensions.

1. No access until age 55.
2. Limited choice of investment funds.
3. Myth of Tax Relief.
4. High charges.

These are just a few of the downsides.

No matter what financial product you choose to invest in there is an entire industry waiting to rip you off. Which is why this training is so valuable.

MoneyTrainers – teaches ordinary people to do extra ordinary things with their finances.

For your Free Online – Money Course send me your details below.




Truths About Financial Planning

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After twenty six years of managing a successful  financial advisory practice  I found myself in a precarious financial position.

My wife was diagnosed with breast cancer  and  I didn’t work for three years to care for her and my two  teenagers (12 and 13) I then ended up with Labyrinthitus   which ruined my inner ear – I could not work for another two years.

As a financial specialist I had of course done everything  the right way  or so  I thought.

I had a mortgage, pensions and some savings. but after a few years I was on my last few quid  when  I started to realise that what I had been taught to do, what my training and skills allowed to  me to advise others on was hopelessly out of date and no longer fit for purpose, yet the industry was still selling the same story.

The financial services industry and the regulatory advice system had worked against me and I was an insider, ordinary consumers had no chance.

Much of what  I had been trained to do was at least twenty years out of date. So I started to formulate my own financial guidance and success plan.

I now teach what I have learned over the the past four years,  simplified and condensed into some short lessons – and the financial services industry is not happy.

  • I will show you how you are being stitched up by the Pension Providers.
  • I will show you how independent financial advisers continue to steal money from you.
  • I will show you how regulated investments work against you.

All of which can be proven with simple maths and little online research, the evidence for what  I teach is everywhere.

The information that was once held by a few is now accessible to everyone  – it’s called the internet, you just need to know where to look. The investment success stories you hear about can be yours with a little financial information – e.g Why rich people don’t bother with pensions? There is a good reason for it.

Let me show you what I have discovered and give you the information you need to be able radically improve your financial well being for good. There is no charge  –  it’s on me.

The Information Contained In This FREE Training  Has The Power To Transform Financial Life Even If You Have No Money At The Moment.

It is spread over four weeks and will change your finances for ever, I promise.

Send me your details below and  I will get this information to you. Don’t worry I will never share your details.

 
For your Free Online – Money Course send me your details below.




Money Trainers




Money Trainers – Telling The Truth About Financial Planning

After twenty six years of managing a successful  financial advisory practice  I found myself in a precarious financial position.

  • My wife was diagnosed with breast cancer  – I did not work for three years to care for her and my two  children.
  • I then ended up with Labyrinthitus which ruined my inner ear – I could not work for another two years.

Everything I had learned, and was qualified to do was wrong.  I had a mortgage, pensions and some savings.

The financial services industry and the regulatory system had worked against me, much of what  I had been trained to do was at least ten years out of date – I know teach what I have learned over the the past three years and the financial services industry is not happy.

Let me show you what I have discovered and give you the information you need to be able radically improve your financial well being for good. No charge it's on me. 

Send me your details below and  I will get this information to you. Don't worry I will never share your details.

For your Free Online – Money Course send me your details below.