Is investment too much risk. Rather store your money under a mattress? Just take a look at this case study, give us a call and then make a decision. We'll respect that. We do respect that. But we can also help with some very risk free decisions that you may want to make in order to have a quality of life in the future.

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Too Much Risk?
NEED TO KNOW HOW TO MANAGE YOUR MONEY?

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Case Study 3
 Trevor & Ruth had recently sold their share of their business having
worked hard building it up for over 30 years…
 Aged 60, no children to pass on their hard earned wealth Trevor’s
primary concern was to try to ensure a high return on his capital.
 Trevor & Ruth had already met with two financial advisers with a view
to investing their capital. Each of these advisers had followed strict
FSA guidelines and put forward their recommendations based on the
‘risk /reward’ profile they had identified for the client at their first
meeting.
 As former business owners both Trevor & Ruth had confirmed to
these advisers that they were prepared to accept a ‘reasonable level
of risk’ in order to obtain a good return on their hard earned capital.
Trevor’s long held view was that “to accumulate, you have to
speculate”!

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A bit more backgroud
 So, in order to satisfy Trevor & Ruth’s requirement for a high return
both Advisers had recommended a similar, fairly adventurous
investment portfolio which “matched their average to above
average risk profile”. Both portfolios suggested a very high
proportion of monies to be invested in equities and other volatile
investments in an effort to secure a high return over the longer term.
 Trevor & Ruth were about to decide which Adviser they would invest
with.
….However, before investing their money they were
urged by a friend to speak to us!

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Here’s what happened…
 When we met with Trevor & Ruth we did the complete opposite
to the other two Advisers. We focused on them NOT their
money!
 We really got to know and understand Trevor & Ruth. Their
business they had built; when, how and why they started it; the
trials and tribulations they had encountered along the way; the
sort of things they’ve enjoyed doing in the past, what they now
enjoyed doing - and what sort of things they wanted to do in the
future. We even got to understand their fears and doubts and
what was important to them about their future.
 Through a straightforward we helped identify the cost of their
desired lifestyle not only now, but over the various periods of
their lives, allowing for inflation and the possible need for long
term care. Helped them to consider and include into their
planning certain additional financial goals and objectives that
would make their retirement even more fulfilling and meaningful.

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What We Did…
 With a thorough understanding, and using sophisticated financial
planning software and lifelong cash flow modelling techniques, we
were able to graphically demonstrate to Trevor & Ruth that in
order to prevent ever running out of money all they needed to
achieve was a real rate of return on their money of
just 0.5% above inflation.
With this knowledge, he helped them understand
that the last thing they needed at this stage of
their life was risk…

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Why Were We Different
 What they in fact needed was a lower return with much less
risk; a prudent, tax efficient portfolio which would give them
the peace of mind they needed to enjoy their retirement –
without constantly worrying about world stock markets.
 With recent volatility of equity and property markets Trevor &
Sue avoided the inevitable loss on capital that would have
ensued had they invested with the other Advisers without
knowing and understanding their full financial situation.
 We effectively saved Trevor & Ruth over £400,000 of
imminent losses that would have occurred had they invested
through the other Advisers who did not do lifestyle financial
planning.

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 Trevor & Ruth continue to enjoy their retirement we
continue to meet with them on an annual basis, to
monitor their investments, review and update their
financial plan and, more often than not, discuss how
much more they can afford to spend to further enjoy
their retirement and continue to be free of worry.
The big question was:
“Why didn’t the other two Advisers
do this?”

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…..And that’s easy to do – when we
know YOU & your NUMBER!
To find out more contact:
david.pert@sjpp.com