Do you wonder where your money goes each month? Are you prone to making impulse purchases of items that you don’t really need or want? Do you feel uncomfortable when the markets take a downward turn? Do you wish you could be more generous, or does your overly generous nature impact on your own financial security?

Your relationship with money is built up over a lifetime of experiences. These experiences can be both good and bad and are associated with emotions that are hard wired into the way you think about money. Your attitudes and habits towards money form a vital role in creating a successful financial plan for you.

Talking about money can be hard for a variety of reasons: it’s taboo, it’s embarrassing, it’s overwhelming, it’s boring, it’s intimidating, it’s associated with lots of other emotions. But it’s important to start the conversation. Our Money Habitudes questionnaire will help identify your money personality. The process also helps identify underlying emotional factors that may support or sabotage the development and implementation of a realistic, individualised financial plan from basic money management to choosing an appropriate investment strategy for you.

Even the most savvy investor can benefit from some financial coaching and support at times of market volatility, or when the media is screaming about the latest crisis. We make sure that a knee-jerk reaction to Brexit or a headlong gold rush after the next Bitcoin won’t derail your investment strategy. We’ll remind you that volatility can be good for a long-term investor and that remaining disciplined in downturns is what brings real rewards.

The behaviour of investors has far more impact on their returns than the make-up of their portfolio.

[Behavioural Finance Guide]

 

The value of your investment and the income derived from it can go down as well as up and you may get back less than you originally invested.

To discuss how we can tailor our services to meet your needs, please get in touch