EVERYONE LIKES TO KNOW WHERE THEY’RE HEADING.
HERE YOU’LL EXPERIENCE THE JOURNEY AHEAD WITH US BY YOUR SIDE.
OUR LIFETIME SERVICE COMPRISES OF TWO ASPECTS:
INITIAL ADVICE & SET-UP
Firstly, we need to match your investments to your requirements.
ONGOING LIFETIME SERVICE
From there on we track and manage your pensions and savings.
OUR 6 STAGE CLIENT JOURNEY FROM DISCOVERY TO ONGOING LIFETIME SERVICE
- At our initial DISCOVERY MEETINGS we get to know you, your situation and your aspirations.
- We then start the FACT FINDING with expenditure planners, valuations of existing pensions & savings, state pension and RISK PROFILING. At this stage we ask you to sign our client agreement.
- At our CASHFLOW PLAN PRESENTATION we forecast your income and expenditure to age 100 with allowance for life events. We consider tax, inflation and anticipated long-term investment growth.
- During our RECOMMENDATIONS & ACTION PLAN meeting we run through the construction of your pension & investment portfolio with you, explaining our fund selection and asset allocation ethos.
- As part of our ongoing service we carry out a MONTHLY FUND ANALYSIS to see if we need to make any changes to the funds and asset split within your portfolio.
- Every six months we prepare a full investment PORTFOLIO REVIEW for you and meet face-to-face or by video call or telephone to run through any questions you have.
THE OAKLANDS WEALTH INVESTMENT PROCESS...
What’s good for my family is good for you too . . .
I recommend the same investment process for you as for 3 generations of my own family. Not that my 8-year old daughter has much choice in the matter!
Seriously though, my approach, honed since 2004, has safely steered my family and hundreds of clients through the lows of recession, downturns and the pandemic.
My 5 Investment Principles guide the way forward:
- Never run out of money in retirement
- All funds are FCA Regulated investments
- Risk and growth managed through diversification
- Active performance-based fund management
- Long term investment strategy to age 100
WHAT IS RISK TOLERANCE AND WHY DO WE MEASURE IT?
Risk tolerance is how emotionally comfortable a person is with taking financial risk. For example, how much a person is willing for their portfolio to diminish for a chance to make bigger returns. It is psychological and is best measured with a psychometric tool.
WE USE FINAMETRICA RISK PROFILING
It provides a scientifically validated technique for assessing financial risk tolerance using a series of 25 questions which we incorporate into the financial planning we do for you.
EXPLORING YOUR FINANCIAL NEEDS AND OBJECTIVES
We gather information from you on:
- A Personal Fact Find
- An Expenditure Planner
- Valuations of Existing Pensions & Investments
- Current Statement for your State Pension(s)
Forecast your income requirements upon retirement.
Then we create a personal Cashflow Plan to age 100.
BUILDING YOUR CASHFLOW PLAN
Cashflow Planning is like a SatNav. Just like getting in a car and putting the address into the car’s SatNav of where you want to arrive at . . . our Cashflow Planning will help you to see how your financial journey will progress and any changes in direction needed along the way.
We have a software tool which helps us accurately forecast the income you can draw comfortably. This accounts for tax, withdrawals for life events and any fluctuations year on year.
We don’t want your money to ever run out. Which is why we always build the cashflow plan to your 100th birthday. It’s then reviewed and refined at a Cashflow Plan Presentation with you.
By analysing your current situation and comparing this with your future objectives, we put together a plan of action. This is known as your Recommendations Report.
We search the whole of the market of investment and pension providers to find the most appropriate platforms and managed funds.
Then we build you a personal portfolio of funds for your pension or savings plan, which matches your risk profile.
The Recommendations Report is discussed at a meeting with you where we can make any final adjustments prior to us arranging the investments on your behalf.
HOW YOU KNOW YOU CAN TRUST US
Hundreds of clients over the last 16 years have entrusted their savings and pensions with us. From the very first moment we’ve wanted to build the highest level of service.
As soon as the British Standard BS8577 was released we asked Standards International to put us through our paces. We are now one of only 25 UK advisor firms who have been given the British Standard BS 8577 mark of quality.
Both our advisors, Helen Blackburn and Nick Hampton, are ISO 22222 certified, meeting all the ethical and personal financial quality aspects of this International Standard. There are only 56 other advisors accredited with this standard.
We have over 80 independently verified client reviews on the consumer trust site Vouched For. This gives us an overall rating of 4.9 out of 5.
Our accreditations page gives a full account of all our regulatory and quality standards.
As the saying goes “Every Journey Starts with a single step”. Take your next step by scheduling your chat with us below and one of our team will be in touch to discover how we can help you to never run out of money.
THINKING OF MOVING FROM YOUR EXISTING ADVISOR?
It’s easy to move on from another advisor.
We’ll handle everything.
All that’s needed is for you to sign some letters of authorisation and we’ll do the rest.
None of your investments will be switched into new funds until you’ve agreed with our recommendations and you’re fully happy with any changes we propose.
7 KEY FEATURES OF THE OAKLANDS WEALTH MANAGEMENT SERVICE
British Standard BS 8577 Awarded Service
12 Month Money Back Service Guarantee
Lifetime Cashflow Planning
Risk Adjusted Personal Investment Portfolio
ISO 222222 Certified Financial Advisors
Monthly Fund Analysis
2 Investment Portfolio Reviews Per Year
A WORD FROM OUR CLIENTS...
“Upon leaving Rolls-Royce after 26 years, I wanted to transfer my pension into an investment fund but find anything investment related a ‘black art’. Helen reviewed my circumstances and risk profile to develop my portfolio. Every Oaklands’ team member I’ve seen is an established professional and I would recommend Helen and her team in a heartbeat.”
A WORD FROM OUR CLIENTS...
“Helen is outstanding in her knowledge of the pension ‘minefield’ and immediately gave us a feeling of ease when discussing, what is after all, the rest of our financial lives. From the very first e-mail to the ‘sit down’ you have with her, everything is done in plain English. Helen is a model professional in this field.”
A FRIEND FOR YOUR FINANCIAL JOURNEY...
THIS IS NOT A DIY SERVICE – WE TAKE FULL RESPONSIBILITY FOR SETTING UP YOUR PENSIONS AND SAVINGS. FOR LIFE.
No half measures. We don’t set it up then leave you all at sea. We manage your investments ongoing and hold ourselves accountable for steering you through your financial journey.
This phrase came from a client who said that’s exactly what we felt like to him, he said “you are like a friend or good neighbour who’s always got my best interests at heart.”
Whatever the reason you come to us we care. We really care. Like it’s our own money.
Tidying up bit and bobs of pensions and putting them neatly in a pot you have full control over.
Maybe transferring a final salary pension if your objectives are better met with your own pension.
Making sure you get all the tax efficiencies legally available to you to enhance your money.
Pointing the microscope on 3,000+ funds and finding the best ones to secure your retirement.