Posts Tagged:financial planner

Your Dad Told You

Your home is the best investment you will ever make, didn’t he? I know mine did. Let’s get this straight, your home is not really an investment at all. It produces no income, and whilst it may appreciate in value, that value can only be realised by selling. It is likely you will be buying…

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Value Is In The Eye Of The Consumer – Beware, the Advice Professions

Back in the day, there was a significant movement in the accounting profession which was commonly referred to as “value-based pricing” Some in that profession took this to mean that they no longer needed to worry about how much they could charge a client, it was all going to be taken care of by convincing…

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What Price Financial Advice?

There are lots of misunderstandings when it comes to the advice that financial advisers can offer. At the heart of the misunderstanding is the misconception that financial advisers only “sell” investments or life insurance. The natural progression of this from a client standpoint, is that unless they have money to invest or want some life…

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On Advice

We call ourselves advisers, which means we provide “ADVICE”, but what is advice anyway? There are many professions who are in the business of providing advice, from doctors and dentists to accountants and lawyers, from engineers to motor mechanics, from architects to builders. We all get a lot of advice in our lives, some of…

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Doesn’t Anyone Understand Superannuation?

I am consistently amazed at the lack of understanding of the true nature of superannuation. I have written previously at length (see here), but following a couple of recent conversations I thought I should take the issue up again. The dictionary is not much help: Superannuated 1. to allow to retire from service or office on…

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Do You Want It Badly Enough?

I describe myself as a poor but enthusiastic golfer. There is nothing that I like more than wandering around a paddock in the sunshine attempting to hit a small, defenceless white ball with a tool that is ill-equipped for the purpose. Like most golfers, a goal of mine is to lower my handicap sufficiently to…

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Remember Why You’re Doing This

On a recent trip to the UK I had to have a wry chuckle. (I’m allowed, I was born there). We were visiting lot of different scenic, historical and variously important sites. (Blenheim Palace, Chatsworth House, Chelsea Flower Show, Bourton-On-The-Water), and as the inevitable tour buses rolled in, the first thing the Brits had to…

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Do You Crave Certainty?

My crystal ball must be on the blink. I bought it in New Zealand so maybe it is only tuned to the local cosmic frequencies there, but despite having spent a deal of time gazing into it, I have been unable to see anything remotely resembling the future, other than my increasingly distorted reflection. I…

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How Much is Enough?

The story goes that the managing director of Rolls Royce, when asked by a motoring journalist what the power output from the latest engine was replied with “Enough”. This elegant reply in my mind speaks volumes for the confidence he had in his product, and shifted the focus away from a statistical measure to one…

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Collaborate For Your Clients, Please

  You cannot properly give financial advice to a client without considering the tax consequences of that advice. Similarly you should not make a recommendation to a client in order to save tax without considering the impact of the action on their overall financial well-being True financial advice needs to cross over a number of…

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