Every individual and business is unique.
At Foresight we pride ourselves on taking
the time to understand our clients and in
tailoring our approach to create bespoke
financial planning solutions. So our clients
can relax in the knowledge that their
financial affairs are being professionally
managed on an ongoing basis.
Today, we have clients situated in the UK
and throughout the world.
We have extensive financial planning
experience with all of our advisers being
Chartered Financial Planners, or actively
working towards this. This exclusive
title is awarded to those individuals who
have met the rigorous criteria relating to
professionalism and capability.
But Foresight is about more than
We are a close knit team that has
established a track record of providing
clear and innovative financial planning
Our advisers and support staff are highly
trained and have extensive experience
in dealing with clients who expect the
Our cutting edge financial planning
process, The Quantum Programme™,
allows us to provide advice tailored to
the individual, creating a bespoke
solution for every client.
As a result we now advise on
significant assets for clients using our
Advanced Investment Strategy™,
a clear and tightly managed
investment philosophy and process.
It means you can be confident that
you are dealing with one of the UK’s
leading firms. One that is wholly
committed to providing you with
the best possible advice, service
Established in 1998 and based in Hale, Cheshire, we have
built our reputation for stability, strength and integrity through
personal contact with our clients.
7. WHO DO WE
We operate a holistic approach to
financial planning, looking at the whole
picture rather than just the individual
components. However we do have
specific areas of expertise.
Our specialist areas include:
• Investment management
• Retirement planning
• Family protection
• Business protection
• Trust planning
• Estate planning
We recognise that you cannot be an
expert in everything, and therefore have
developed close connections with other
professionals to ensure that clients
receive the most suitable advice at all
Our Specialist Areas
Experience has shown that our financial
planning process is of particular benefit
to successful entrepreneurs,
professionals, senior executives and
those with more complex financial
Our clients typically have little time to
manage their own financial planning,
but understand the need to be
organised and in control in this area of
their lives. As experts in their own fields
they recognise they need similar
expertise and professionalism for their
financial advice and investment
We work closely with them to establish
and maintain a clear financial plan,
enabling them make the most of their
Our approach appeals to those seeking
peace of mind and for whom service and
a trusted relationship are key factors.
As a result, we often find ourselves
acting as a sounding board, enabling
clients to maintain the same discipline in
their financial planning that they
have within their professional lives.
8. THE QUANTUM
The process is split into 6 distinct stages:
5. The Implementation Meeting
We provide all the information to give you the confidence to make the
decisions that will move you towards your financial goals and objectives.
The actual implementation of the plan often requires large amounts of
paperwork. We remove the hassle by organising everything and ensuring
that everything is processed smoothly and efficiently.
1. The Exploratory Discussion
We want clients to be comfortable that they are making the right choice of adviser.
This meeting is to find out what you are looking to achieve from your financial
planning and for us to explain how we operate.
We can then decide how we can work together and agree the way forward.
6. The Calibration Audit
The most important aspect of the
financial planning process is monitoring
We will meet you on a regular basis to
confirm that your plan is working for
you, and make any required changes.
The value of investments and the income from them can fall as well as rise and is not guaranteed.
You may not get back the amount originally invested.
9. Our financial planning proposition is based around
The Quantum Programme™, our unique process based on years
of experience in dealing with sophisticated clients who require
the most effective financial planning.
By making incremental
improvements at every stage
in the process we provide our
clients with a market leading
This gives our clients The Edge in
aligning their financial plans with
their lifestyle and ambitions.
2. The Positioning Meeting
This paves the way for the successful development of your financial plan.
By the end of the meeting we will know enough to start formulating your financial strategy
and implementing the techniques to help make the most of your money.
We will agree the areas of financial planning that we will look at with you, and the costs.
3. The Reconnaissance
After our meeting we go into forensic
detail about your existing
arrangements so that we know exactly
what you have in place - the charges,
the underlying fund performance and
the small print of the contracts.
By liaising with your existing advisers
and product providers, we are able to
make objective and informed
recommendations based on facts,
rather than speculation.
4. The Alignment Strategy
We will clearly explain the rationale behind our recommendations so that you are
comfortable with the strategies within your plan.
It is vital to build a plan that adapts to the changes in your life.
We also identify realistic timescales for putting your plan in place
11. WHAT IT MEANS
TO OUR CLIENTS
Because we have a clear understanding
of their personal and financial goals we
are able to develop effective strategies.
Everything we do is explained clearly
and in plain English. Our aim is to grow
client knowledge around financial
matters and to increase their confidence
in the decisions they make.
Excellent service is paramount to us, so
clients are always kept up to date with
progress - and queries are dealt with
quickly and efficiently.
We are also here for clients to discuss
financial matters when they need us
most, such as:
• Stockmarket volatility - helping clients
rationalise their emotions to ensure they
make the right decisions
• Family issues – relationship break
downs, debt, illness or death - listening
and providing advice in difficult times
• Second opinion/sounding board on
opportunities – providing an alternative
point of view
Clients tell us they like the peace of mind they get
from dealing with Foresight.
So what do we actually do?
We help clients understand the risks
they face and to take measured
decisions they are comfortable with.
These are then reviewed on a regular
basis to ensure investment strategies
are still aligned to their situation. All
portfolios are re-balanced on a regular
basis to capitalise on gains or buy assets
that are undervalued.
This means maintaining sufficient capital
to allow them to ride out short-term
volatility in investment portfolios.
We also advise clients where short-term
tactical change should be considered.
Fund Managers are kept to their brief
by undertaking ongoing due diligence,
ensuring that investments are
well-balanced and diversified.
Taxes are a part of life - but these
liabilities are minimised by the
appropriate use of tax advantageous
investments and careful tax planning.
And because we are independent,
clients can be assured they are getting
the best value for money.
Real value for money
There are many different views on how to invest.
The simplest is the best - ‘Buy low and Sell high’,
which is sound in theory but virtually impossible
to achieve in the real world.
Our approach to investments is based
on comprehensive intellectual research,
and our decisions are based on a
combination of leading academic theory
and time-tested principles with the
intention of delivering a more coherent
and dependable investment strategy.
The Advanced Investment Strategy™
is built around the Markowitz Model.
First put forward in 1952 - Harry
Markowitz was awarded the Nobel Prize
for Economics in 1990 for his systematic
technique for building an investment
portfolio and adjusting it over time.
We do not believe in chasing
performance or attempting to second
guess what the markets will do. We
adopt a structured and disciplined
approach to investing which seeks to
manage risk, target appropriate returns,
minimise tax and, above all, help our
clients to increase the probability of
achieving their financial and lifestyle
The Advanced Investment Strategy™
is successful because it works on the
understanding that investing is 90%
asset allocation and 10% investment
choice. Too many people focus solely
on investment choice, when asset
allocation is the prime cause in
successful long-term financial plans.
We believe in the benefits of a long
term strategic view of asset allocation
with some short term adjustments to
manage volatility and risk.
Intensive research is employed to
identify investment managers that will
deliver the returns our clients require
and cutting edge technology is used to
drive down costs; providing our clients
with convenience and simplification in
an otherwise complex area.
15. WHAT OUR CLIENTS
SAY ABOUT US
“We are busy, working people. The team at Foresight have proved
invaluable in taking good care of our finances.”
David & Helen Lomas, Company Directors - G W Lomas & Sons Ltd
“Foresight provide a positive, proactive and personal service to
ensure that my investments work as hard as I do”
Margaret McDonald, Barrister - Kenworthy Chambers
“The advice I have received has always been pragmatic and
professional. I trust them implicitly so I can concentrate on
developing my business and enjoying life.”
Guy Remond, Managing Director - Cake Solutions
“Foresight always spend time to understand my personal and
business circumstances and have given me structure and control
over my finances.”
Alan Foreman, Chief Executive Officer - B-Secur
“The team are thorough in their analysis and pay close attention to
the detail that is relevant to our investments.”
Lincoln & Bel Jones, Retired - Ex-Company Director
Our practice is built on long term relationships with our
clients. These days, the vast majority of new clients are
introduced by existing clients who have been pleased with
the service that they have received.
But don’t just take our word for it. Here are some
testimonials from existing clients:
16. Foresight Independent
Financial Planning Ltd.
161 Ashley Road
0161 926 9350
The Financial Conduct Authority does not regulate taxation and trust advice.
FORESIGHT INDEPENDENT FINANCIAL PLANNING LTD IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
REGISTERED IN ENGLAND & WALES, REGISTERED NUMBER 05897811. REGISTERED OFFICE AS ABOVE