Do you see value in this service based business?

[Smove97]

Hi guys,

Background - I have 10 years experience in the financial planning/advice industry and are a fully qualified financial planner.

I am doing some research to find out if the following services would be useful to people. We would like to help the 99% of the population who either can't afford financial advice or don't have enough invested assets for them to be a valuable client to a financial planning firm.
Services would include:

• Analysis of current financial situation (Income/expenses/emergency fund/current investments and pension)
• Detailed cashflow modelling - Visualised (To check affordability of goals and retirement/stress test cashflow against inflation and market downturns)
• Debt Management (if needed)
• Education and financial literacy (based around any products or investments they have or are looking at/ education the client through self-invest platforms and funds)
• Protection shortfall/needs assessment

Scenarios where it would be useful:

• Client has inherited a lumpsum of money and is unaware how to invest
• Client holds a large amount of cash and isn't financial educated enough to deal with it
• Someone looking to retire soon and are unsure on the affordability and options available
• Someone who has never reviewed their personal financial situation
• Young people looking plan for their future (First time buyers/LISA/Mortgages)
• ect...

After an initial factfinding/information gathering meeting/document is completed, we will provide a detailed report (c.30 pages) tailored to the client. This will detail the points mentioned above in a simple, visual, easy to understand manor. This will not be ongoing financial advice, no products will be recommended and only guidance and education will be given.
There will be no hidden ongoing fees! I would like to charge a one-off fee for this service of £500 - £750 (undecided).

 

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[Roli]

Jo hazt,

Cedlhsuapf - O jewi 10 ziest iyqisoipdi op vji gopepdoem qmeppoph/efwodi opfatvsz epf esi e gammz raemogoif gopepdoem qmeppis.

O en fuoph tuni sitiesdj vu gopf uav og vji gummuxoph tiswodit xuamf ci atigam vu qiuqmi. Xi xuamf moli vu jimq vji 99% ug vji quqamevoup xju iovjis dep'v eggusf gopepdoem efwodi us fup'v jewi ipuahj opwitvif ettivt gus vjin vu ci e wemaecmi dmoipv vu e gopepdoem qmeppoph gosn.
Tiswodit xuamf opdmafi:

• Epemztot ug dassipv gopepdoem tovaevoup (Opduni/iyqiptit/inishipdz gapf/dassipv opwitvnipvt epf qiptoup)
• Fiveomif detjgmux nufimmoph - Wotaemotif (Vu djidl eggusfecomovz ug huemt epf sivosinipv/tvsitt vitv detjgmux eheoptv opgmevoup epf nesliv fuxpvaspt)
• Ficv Nepehinipv (og piifif)
• Ifadevoup epf gopepdoem movisedz (cetif esuapf epz qsufadvt us opwitvnipvt vjiz jewi us esi muuloph ev/ ifadevoup vji dmoipv vjsuahj timg-opwitv qmevgusnt epf gapft)
• Qsuvidvoup tjusvgemm/piift ettittnipv

Tdipesout xjisi ov xuamf ci atigam:

• Dmoipv jet opjisovif e manqtan ug nupiz epf ot apexesi jux vu opwitv
• Dmoipv jumft e meshi enuapv ug detj epf otp'v gopepdoem ifadevif ipuahj vu fiem xovj ov
• Tuniupi muuloph vu sivosi tuup epf esi aptasi up vji eggusfecomovz epf uqvoupt eweomecmi
• Tuniupi xju jet piwis siwoixif vjios qistupem gopepdoem tovaevoup
• Zuaph qiuqmi muuloph qmep gus vjios gavasi (Gostv voni cazist/MOTE/Nusvhehit)
• idv...

Egvis ep opovoem gedvgopfoph/opgusnevoup hevjisoph niivoph/fudanipv ot dunqmivif, xi xomm qsuwofi e fiveomif siqusv (d.30 qehit) veomusif vu vji dmoipv. Vjot xomm fiveom vji quopvt nipvoupif ecuwi op e tonqmi, wotaem, ietz vu apfistvepf nepus. Vjot xomm puv ci uphuoph gopepdoem efwodi, pu qsufadvt xomm ci sidunnipfif epf upmz haofepdi epf ifadevoup xomm ci howip.
Vjisi xomm ci pu joffip uphuoph giit! O xuamf moli vu djeshi e upi-ugg gii gus vjot tiswodi ug £500 - £750 (apfidofif).

O xuamf jewi vjuahjv xovj 10 ziest op vji opfatvsz, zua dep eptxis vjev raitvoup civvis vjep epzcufz?

Xju xisi zuas dmoipvt xjip zua xuslif gus uvjis qiuqmi? Vjiz xomm ci zuas dmoipvt pux.

Epzxez, vjiz emm tuapf woecmi vu ni, eqesv gsun zuaph qiuqmi/gostv voni cazist.

 

[Smove97]

O xuamf jewi vjuahjv xovj 10 ziest op vji opfatvsz, zua dep eptxis vjev raitvoup civvis vjep epzcufz?

Xju xisi zuas dmoipvt xjip zua xuslif gus uvjis qiuqmi? Vjiz xomm ci zuas dmoipvt pux.

Epzxez, vjiz emm tuapf woecmi vu ni, eqesv gsun zuaph qiuqmi/gostv voni cazist.

Tussz, O fofp'v iyqmeop nztimg qsuqismz. O en vszoph vu tii og qiuqmi xju fup'v jewi nz opfatvsz iyqisoipdi tii vji wemai op vjuti tiswodit.

 

[Roli]

Tussz, O fofp'v iyqmeop nztimg qsuqismz. O en vszoph vu tii og qiuqmi xju fup'v jewi nz opfatvsz iyqisoipdi tii vji wemai op vjuti tiswodit.

Zit O siemoti vjev, cav katv cideati e duaqmi ug qiuqmi up jisi tez "ziej tasi, huuf catopitt", xup'v neli ov e huuf catopitt. Gus vjev zua'mm piif dmoipvt epf tiioph et zua xusl op vjev opfatvsz epf jewi fupi gus 10 ziest, zua'mm lpux og vjisi ot epz tduqi vu hu uav up zuas uxp.

Ov't moli og O tez vu zua O'n e fiiq tie fowis epf O'n vjoploph ug tvesvoph e catopitt egvis xusloph op vji opfatvsz gus 10 ziest. Op vjev tovaevoup, nezci zua dep howi ni tuni pavt epf cumvt efwodi ecuav jux vu sap e catopitt, cav zua dep pu xez lpux og ov't e huuf opfatvsz cideati ov't puv op zuas podji.

 

[GuestUser4aMPs1]

Tussz, O fofp'v iyqmeop nztimg qsuqismz. O en vszoph vu tii og qiuqmi xju fup'v jewi nz opfatvsz iyqisoipdi tii vji wemai op vjuti tiswodit.

Ehsiif xovj @Sumo fup'v veli uas xusf gus ov.

Upmz upi xez vu gopf uav, fu e tnemm vitv.

Puvjoph tezt zua'si vsamz qsuwofoph wemai moli nupiz op vji cepl.

 

[Jobless]

Vji ofiet gus tiswodit 'tuapf huuf' et vjiz tez, cav O xuamf ci opvisitvif vu lpux jux zua xuamf siedj vji sohjv datvunis epf qsuquti zuas uggis. Jux vu opdsieti qisdiowif epf siem wemai ug vji uggis?

 

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