Introduction
Recent years have seen significant changes within the financial services
world. Legislative measures have served not only to regulate, but unfortunately
also to complicate, the financial arena. There has never before been such an
extensive and ever-increasing choice of products from a multitude of financial
institutions. Against a challenging and constantly changing economic background, the result is that the financial services marketplace has become
a veritable minefield where an inadvertent error can prove very costly indeed.
Consequently, the more discerning clients seek high-quality, personalised, financial advice
from qualified practitioners and we believe we have the expertise and
technical ability to provide an outstanding service for such clients.
"Financial advice is not just about making money.....
.....it's about planning to achieve a quality of life" [apfs]
Get the balance right
" It's unwise to pay too much, but it's worse to
pay too little.
When you pay too much, you lose a little - that is
all.
When you pay too little, you sometimes lose
everything because the thing you bought was incapable of doing the thing it was
bought to do.
The common law of business balance prohibits paying a
little and getting a lot - it can't be done.
If you deal with the lowest bidder, it is well to add
something for the risk you run and if you do that, you will have enough to pay
for something better."
John Ruskin (1819 - 1900)
