Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

The true value of financial advice… £40,000… really?

Recent research from the International Longevity Centre indicated that, on average, financial advice leaves people £40,000 better off compared to those taking no advice. That made me sit up and take notice and perhaps so should you.

As a regulated financial adviser for more than 30 years of course I believe that my clients are better off by taking advice, but as an investment coach I accept that there are now some really practical alternatives to regulated advice which work well for many people.

What the above research really indicates is that if people ignore their money altogether or try DIY investing without any guidance they will inevitably be worse off. Burying your head in the sand is not a good option.

However, the online “no advice” services such as Hargreaves Lansdown now provide so much help, education, guidance, and easy to use processes, which 10 years ago were only available to regulated advisers, that they have become a much used alternative to regulated advice.  You do not need to become an “expert” to achieve similar results to using a more expensive regulated financial advice service as long as you are prepared to put in some time and effort. Even better, by using my “guidance” service you will get the best of both worlds.

Over the past couple of years I have helped many people move millions of pounds on to the “no advice” platforms with very positive feedback and at considerably less cost than using a regulated adviser.

However, this is not right for everyone. In those cases where I identify that regulated advice is necessary I can help clients source an adviser who has the qualifications, experience and processes to provide an excellent service.

If this is something you would like to explore in more detail just text me on 07770 575122 and lets have a 20 minute exploratory conversation entirely on me.

Taking financial planning seriously will have a massive impact on your wealth, retirement lifestyle, and possibly inheritances for your children. Don’t put it off. Take action today. It’s your money. It deserves your attention.

Original research can be viewed here.


This document and our on going services are not personal advice. We'll give you all the help and guidance you need to make your investment and retirement decisions, but we can't advise you. If you're not sure whether you need regulated financial advice we can put you in touch with a suitably qualified and experienced regulated adviser. Because we are not regulated by the Financial Conduct Authority you will not have access to the Financial Ombudsman Service in respect of any complaints. If you use one of the "no advice" on line services to handle investment transactions they will be Regulated and you will have access to the Ombudsman and The Financial Compensation Scheme in respect of their services. The value of investments/pension plans can fall or rise depending on market performance. The Retirement Team and The Investment and Retirement Coach are trading names of Capture Success Ltd Reg No 01825075 Tel 07770575122

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