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Special Report on

Choosing an independent financial adviser

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Accounting practices may desire the ability to offer clients financial advise to enhance their firm-client relationship and to create an additional source of revenue. Chartered accountants must apply to the Institute of Chartered Accountants of Scotland (ICAS) for permission to give financial advice. Firms should identify the probable needs of their clientele when deciding on the range of financial products and services to offer. Firms wishing to refer clients to independent financial advisors should also seek ICAS approval. When choosing an independent financial adviser, firms should obtain details on financial advisers from ...
Ideally, the financial adviser helps the client maintain the desired balance of investment income, capital gains, and acceptable level of risk by using proper asset allocation . Financial advisers use stock , bonds , mutual funds , real estate investment trusts (REITs), options , futures , notes, and insurance products to meet the needs of their clients. Many financial advisers receive a commission payment for the various financial products that they broker, although "fee-based" planning is becoming increasingly popular in the financial services industry. A further distinction should be made between ...
How to Choose an Independent Financial Adviser
We tend to turn to all manner of people for advice and often take pot-luck on whether the person we have asked is especially knowledgeable, whether we can rely on them to be giving impartial and independent advice, or whether their answer starts with the phrase "If I were you..." When it comes to seeking reliable advice about making your own money work its hardest for you, however, there is no need to leave so much down to mere chance and the luck of the draw - you should consider choosing an Independent Financial Adviser. The title says it all. An Independent Financial Adviser will be independent - he will not be in ... market research, surveys and trends
Planning For The Future
There’s a lot in the news these days about planning for the future, everyone being urged to save, save, save for their retirement. Of course this is easier said than done for many, what with the cost of living going up all the time, mortgage and fuel costs being just two of the areas causing concern. Even when you do have the money to consider saving, the big question is how to do it the right way. Do it the wrong way and Gordon Brown and his chancellor will get their hands on (more of) your money, something that no one really wants. But it is a complicated world out there, with lots of different savings plans and many ... market research, surveys and trends


Free Money Finance: Three Steps to Choosing a Financial Adviser
Americans today are forced to make a dizzying array of financial decisions, including many we've talked about in this book: how to build a retirement nest egg, save for kids' college expenses, and deal with debt and insurance. For help, you might consider hiring a personal financial adviser. That can be a great idea or a bad one. The main advice: Buyer beware. Choosing a Financial Adviser, 1-2-3 1. Interview three fee-only planners. 2. Ask questions and listen to your gut 3. Never agree to an investment you don't understand. The title "financial adviser" is not regulated. No government ... industry trends, business articles and survey research
Broker or Adviser - Choosing the Best Fit for Your Money -
THE Great Recession has intensified a long-running debate: who is better able to look out for your money, a broker or an independent adviser? Skip to next paragraph Photo by Tony Cenicola; Illustration by The New York Times More articles on taxes, investments, estate planning, antiques and art. Go to Special Section � Chester Higgins Jr./The New York Times BIG HAS BENEFITS Sallie Krawcheck defends Bank of America's offerings. Now that the shock of last year’s losses has worn off, many investors are reconsidering what their financial professionals did — or failed to do — for them. At the same time, many ... industry trends, business articles and survey research
Robert Caplan and Anthony Villis square up to the challenge
The volatile investment markets unleashed by the credit crunch prompted Robert Caplan (right) and Anthony Villis to develop a new model firm that could respond more quickly to clients’ needs. It was when markets descended into turmoil and clients’ portfolios took a battering that Robert Caplan decided he needed to make a change to the way he did business. Working as an adviser for First Financial Consultants, the firm founded by his father Michael Caplan, he became frustrated at his inability to move quickly enough to protect client assets from the market falls. Lacking discretionary authority, he realised the investment ... market trends, news research and surveys resources
Have ethical funds lost their green credentials?
Pensions company Zurich has a fund that it promises will invest in "companies and institutions which actively enhance the global environment and community". It tells savers that the Environmental Opportunities fund will seek out companies across the globe which take a positive attitude to environmental issues. So its investors may be more than a little surprised to learn 13.5% of the £16m fund is in shares in oil groups BP and Shell, and 4.3% in Rio Tinto, one of the world's biggest mining companies. Indeed, it's difficult to spot any names among its top 10 holdings that are conspicuously environmental. After ... market trends, news research and surveys resources


Financial Adviser Interview Checklist - Checklist PDF
choosing a financial adviser. It may be used during an interview or sent to an adviser as .... If yes, is there an independent review of such accounts? ... technology research, surveys study and trend statistics
Investment Advisers: What You Need to Know Before Choosing One
The SEC receives many questions about investment advisers—what they are and how to go about choosing one. This document answers some of the typical questions we receive from investors about investment advisers. This Q&A is for the benefit of investors. You should not rely on it to determine if you need to register as an investment adviser. Q:  What is an investment adviser? A:  Investment advisers are in the business of giving advice about securities to clients. For instance, individuals who receive compensation for giving advice on investing in stocks, bonds, or mutual funds, are investment advisers. Some ... technology research, surveys study and trend statistics
Why Choose Hawaii?
If you are a prospective graduate student reading this, you are probably trying to choose between the many excellent astronomy graduate programs in the US and elsewhere. Here are some reasons why you should choose Hawaii. Mauna Kea on the Big Island of Hawaii now houses the largest and most important observatory in the world, and as a member of our graduate program you would be part of it. UH faculty and students have guaranteed access to The 10-meter Keck I and Keck II telescopes; The Gemini and Subaru 8-meter telescopes; Two submillimeter telescopes: the 15-m JCMT and the 10-m CSO; The ...
Are financial institution advisers any good? | LinkedIn Answers ...
I think the more reasonable question to ask is whether the advisor is successful and does he/she live within their means. An ostentatious display of wealth by a financial advisor is neither a guarantee of their proficiency at their craft nor the strength of their moral and ethical compass. posted 4 months ago Oppenheimer & Co. Inc., financial marketing writer. see all my answers I think that's a great sound bite, not a major disconnect. If you're looking for a financial adviser, you need to check the adviser's record to make certain s/he's in compliance; to learn what other certifications s/he may have ...
someone please tell me about stock market . i want to invest some ...
Many friends who may be making some money in share market will never share their secret of success and may not tell you where to invest. You need to invest and take responsibility of success or failure yourselves. Better approach is to invest in small amounts, gain confidence and then invest more. All the best Ramesh The nHuman Search Engine posted 1 month ago This is an area best researched on your own. Any advice yoy get here would only be an opinion and potentially a costly one. Good luck! posted 1 month ago CEO of Elevating Your Business ★ Small Business Coach ★ Strategic ...