Construct a financial plan first
Eliminate bias
Identify your financial goals
View your finances as a whole
We tell you what you need to hear, not what you want to hear
Construct a financial plan first
We will construct a financial plan that will detail what you can expect from your finances. Its simple aim is to ensure that regardless of what happens in your life or in the economic world that you can continue to enjoy the lifestyle that you have designed for yourself.
We need to make sure that your financial plan and investment portfolio is not only kept up to date, but is actually ahead of the curve of changing taxes, investment markets and product developments.
We will also ensure that we will anticipate the lifestyle events that will inevitably happen within your own lives, and also quickly adapt to the unexpected.
We will provide you with a set of accounts every year that details all of the losses and gains within your portfolio, so that they you can clearly see the after tax and charges returns you are achieving, and we will compare these to the cash returns and the anticipated return within your overall plan.
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Eliminate bias
Bias has been rife in our industry for decades. It has lead to mis-selling scandals, it has lead to clients buying the most inappropriate product at completely the wrong time and it has lead to unacceptable losses in portfolios and the destruction of trust in our industry.
At Equilibrium we have eliminated bias in its entirety. We have no bias between products, no bias between funds and no bias between asset classes. We are just as likely to recommend an ISA as a pension, cash on deposit as shares. We have no bias in the selection of company and wrap platform, our only bias is in delivering the returns you expect and in providing a first class service.
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Identify your financial goals
Our aim is for you to be financially independent and sufficiently knowledgeable to make informed investment decisions always mindful of your goals.
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View your finances as a whole
No matter whether your money is in a bank account, a pension or an ISA, it is still your money. If you need an income from your savings, any of these products can produce it for you. If you put some of the money you save at risk by investing your pension contributions in equities for example, then perhaps you should consider investing in a different asset class (property, cash, bonds etc) for your ISA. In other words, you need to view your investments holistically and make informed decisions based on the bigger picture, not in isolation.
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We tell you what you need to hear, not what you want to hear
If we feel your goals are unrealistic, we’ll tell you so – rather than allowing you to pursue a strategy that will never succeed. We would rather turn away business than knowingly allow a client to adopt a plan or make investments that we believe are inappropriate.
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