50 finance Choosing the right adviser
Forbes magazine recently ran a survey of 20 entrepreneurs asking them on average how many hours they worked in a week. The numbers ranged from 50 to more than 100, with the majority stating at least 60 hours. These are well known facts and, as any entrepreneur will testify, are simply part of the job
However, with so little time left, personal financial management and ongoing planning is likely to be pushed to one side. The obvious route therefore is to use professional advisers, a team who can guide you along the path, saving precious time by raising the important issues and highlighting the opportunities that should not be missed.
If
this holds true, the advisers you choose become vitally important. Choose the wrong people and not only will you lose valuable time, you may also miss fundamental opportunities. Choose the right advisers and you’ll receive the best advice at the right time, throughout life.
This is why our client advisers are experts in understanding the areas that are most important to our clients, and why our clients continually choose UBS to fill the role of their trusted adviser. A role we pride ourselves of fulfilling for all our clients. Our mandate is to talk to our clients about key areas which are likely to cause issues and opportunities they do not have the time to seek out or require advice upon.
These key areas include: • Financial health and estate planning • Understanding and addressing risks • Structuring and managing investments • Utilising tax shelters • Monitoring investment performance.
Understanding these areas means that we continually consider the intricacies associated with in-depth planning and the issues faced by our clients and their family. Changes in legislation affecting gifting allowances, investment options and exit strategies are considered in relation to each individual’s
You should seek professional advice before making any investment decisions.
Authorised and regulated by the Financial Market Supervisory Authority in Switzerland. In the United Kingdom, UBS AG is authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
The information contained herein is intended for the sole purpose of information and is not intended as an offer, or a solicitation of
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situation and appropriate action taken before any adverse effects can be felt.
One of the most important areas we consider consistently for our clients is how our advice could be affected by tax. Whilst tax is an unavoidable part of life, controlling when and how it is paid using well-known tax wrappers is a vital part of investment planning.
Choose the wrong people and not only will you lose valuable time, you may also miss fundamental opportunities
Investment
wrappers would include pensions and ISAs, which can be effectively used to hold a wide array of assets. Understanding the options from both an investment and a strategic point of view is vital if these wrappers are to be successful.
We believe that good performance can only arise with a structured, robust and disciplined investment process. For us the process begins with our wealth management chief investment office where our strategists analyse global data from a network of economists and researchers to compile our house view. This filters to our local investment management teams who align these views within our clients’ portfolios. By starting with a big picture view and drawing on our global capabilities, we are able to apply diversification across asset classes, regions and sectors.
Expertise in these areas is vital. Building successful long-term planning takes time, so we ensure that we are talking to our clients and future clients today, tomorrow and over the long term.
It is also our responsibility to remind you that the price and value of investments and income derived from them can go down as well as up. You may not get back the amount you originally invested. Past performance is not a reliable indicator of future results.
an offer to make any investment. Although all information expressed was obtained from sources believed to be reliable and in good faith, no representation or warranty, express or implied, is made as to its accuracy or completeness. Investments may be subject to market fluctuations, the price and value of investments and the income derived from them can go down as well as up. You may not get back the amount you invest. It must be noted that past performance is not a reliable indication of future returns. UBS does not give tax advice and you should consult your independent tax adviser for specific advice before entering into or refraining from entering into any investment.
We believe that good performance can only arise with a structured, robust and disciplined investment process
One of the most important areas we consider consistently for our clients is how our advice could be affected by tax
Details: Martyn Begbour 07887-450664
martyn.begbour@
ubs.com
THE BUSINESS MAGAZINE – THAMES VALLEY – SEPTEMBER 2013
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