A plan, built around you
At Charters Private Wealth, we focus on the things that matter most to you and your family. We don’t believe much in providing one-off advice because, as with most things in life, the best results are achieved through long-term dedication and commitment.
Not only will we encourage you to take a close look at your current situation, we’ll also assist you in establishing some long-term goals. We’ll take time to get to know you and to understand what you want—and what you don’t. This then enables us to focus on the things that are most important to you and your loved ones. At the same time, we’ll identify the absolute must-haves and the nice-to-haves.
Once we’ve clarified what you want out of life, we’ll work with you to build and develop a bespoke plan of action—a financial roadmap if you like. This plan will set out relevant and meaningful objectives, which will be adjusted as your circumstances and requirements change over time. The roadmap shows where you stand (at any point in time) in relation to where you want to get to in life.
We aim to make your life easier, less stressful and more joined up, in effect. It’s not rocket science, just old-fashioned common sense combined with objectivity, devil’s advocacy (as and when required) and a high degree of financial expertise.
As far as we’re concerned, that’s what true financial planning is all about.
Our 'big picture' approach
We believe your overall situation in life is the key issue. Investments, funds and other financial products merely facilitate your goals and ambitions; they’re a means to an end, rather than an end in themselves.
Experience tells us that you’re much more interested in knowing when you’ll be able to retire, how many holidays you can afford each year, whether or not you can afford to gift some money to your children, or pay for your grandchildren to be privately educated.
Our relationship with you will be founded on this ‘big picture’ approach.
Making the complicated uncomplicated
When it comes to managing your money, our aim is to provide you with the best returns, for the least risk, at the lowest cost. To our mind, investment management doesn’t need to be any more complicated than that.
Having established what you want to achieve in life, we then identify the type of investments that are best placed to help you realise your ambitions.
The majority of our clients favour a diverse mix of low cost, streamlined investments that are designed to track a particular market or index, such as the FTSE 100. Other investors prefer funds where the manager chooses which underlying securities to include in their portfolio. Whichever solution we recommend for you will be matched to your individual needs, circumstances and beliefs.
Naturally, you’ll only want to be invested in rigorously researched funds and accounts. By taking full advantage of our resources, you’ll have the peace of mind that comes from knowing your investments are considered best-of-breed within their respective categories and/or sectors.
Like you, we accept nothing but the best.
The following case studies, all of which are based on actual events, show you the types of clients we work with and some of the diverse circumstances, needs and objectives we encounter and satisfy.
Case studies coming soon.
The value of our advice
No doubt you want to know sooner, rather than later, about the costs of our advice; hence our transparent, honest and direct approach to the subject.
Don’t just take our word for it. Research* shows that the average UK income in retirement is £19,000 per annum. However, the average for those who set goals working with a financial adviser is £26,000. Put another way, by not working with a financial adviser, a client can potentially lose out on an extra 36.8%, or as much as £157,000 over the course of a 21-year retirement.
*Old Mutual Wealth/YouGov survey, July 2014
You may find cheaper advisers, but our years of know-how and expert knowledge allow us to shape and customise our advice so that you receive the best possible service at a competitive price.