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PERSONAL FINANCE


6. Do you have a clear investment process? • is this documented & can you obtain a copy?


• is the process evidence-based and repeatable?


• has it delivered consistent, measurable results on a risk- adjusted basis?


7. What will I pay? • how are fees calculated (eg. time-cost/fixed fee/percentage of assets invested)?


• Does the fee structure incentivise the sale of a product (eg. only apply if you buy something), or are you paying for truly unbiased advice?


8. How are you remunerated? • Does the business receive any other form of income, other than from your fees (eg. commission on previous products)?


• are you comfortable that they are rewarded by delivering value to you, rather than by other incentives (eg. sales targets)?


9. What makes you different? • What is the business’ unique selling point and is this what you are looking for?


10. And finally (a question for yourself): Can I work with this person?


• Do they explain things in terms you can understand?


• are they genuinely interested in your objectives and concerns, or just ‘going through the motions’?


• Would you trust them to look after you widow/widower/ dependants? • could you become professional friends?


If you’re interested in knowing how Pilot would answer any of these questions – or know anyone else who may be - why not give Ian Thomas a call on 01803 839 194? Alternatively, send him an email at ian@ pilotfinancialplanning.co.uk. He’d love to hear from you!


www.pilotfinancialplanning.co.uk


Pilot Financial Planning is authorised and regulated by the FCA. This article is intended to provide helpful information of a general nature and does not constitute financial advice.


  


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                        


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   


   91


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