Financial Services for Effective Investment Planning and Securing Your Finances

Investing you money nowadays is such a complex and sophisticated activity that it takes a professional to truly understand all its subtleties and thus identify the premium investments. Here’s how a financial services company can give your investment planning the professional factor that helps maintain the value of your assets and plan for your desired quality of life.

Effective investment takes education, training, knowledge and experience – something that many of the professionals active in the financial planning field can offer. Even if you have a strong understanding of business and economics, it still makes sense to focus on your core job and allow financial professionals to take care of your investment planning. Here’s how they work.

Firstly, a financial services advisor helps you to define your goals. These aims will cover, for example,what assets, such as property, you wish to acquire? What future income streams you’ll need to maintain your lifestyle including important matters such as paying for your childrens’ education and your retirement?

By taking into account such factors as your income, assets, obligations such as mortgages and other debts, your advisor can determine the optimum sums you can invest over various timeframes to make sure your goals are met.

This involves developing a strategy to attain your goals. A strategy is a long term approach that’s formulated after a thorough analysis of all relevant factors. Your situation and goals plus the business environment including such factors as the investment situation and tax legislation will all be considered.

Next, you need to select the types of investments that align with your strategy. With so many types of investment on offer all differing in terms of timeframe and return it’s hard to make a decision.

Some of the choices you may have to make include choosing between individual stocks or investing in a mutual fund or unit trust. Some individual stocks are riskier than others but can offer a chance of high capital gains; whilst tracker funds and unit trusts should provide a safer and more modest return as the risk is spread out over a portfolio.

Then again treasury bonds or gilts sound safe. However, their value varies according to the interest rate. If interest rates rise, the value of existing bonds fall, lowering the value of your portfolio. A good financial advisor will be able to put together for you a balanced portfolio of investments designed to attain your goals.

Essentially, your financial services advisors is using his expertise and experience to help you make informed decisions that will influence you present and future wealth, your standard of living and your peace of mind.

He can guide towards investments that are expected to be less risky and fit in with your strategic goals. (And equally importantly steer you away from those which could bring you grief however promising they may look).

Ultimately, your future prosperity depends on the action you take now to make sure you money is invested wisely and offers a positive return.

Other than investment planning, you financial advisor will also make sure you don’t pay more tax than you should and that your insurance coverage is adequate for the needs of you and your family.

You can find a number of reputable financial services companies in London and the Home Counties. Just search online and you’ll find hundreds of firms. However, to make sure you get quality advice from a reputable advisor, you need to choose carefully.

By using the internet, you can find reputable financial services companies in London and the Home Counties. You can also use the net to check on the credentials of your London financial advisors. At the least, your financial advisors must be FSA authorised which guarantees certain standards. This is easy to check by visiting the FSA’s website or by calling their consumer hotline. For even greater confidence, you should also check your financial services advisors have staff holding chartered financial planner status.

Kathryn Dawson from Internet Marketing writes articles for Tower Hill Associates, http://www.strategyinternetmarketing.co.uk/ a team of financial planners providing a range of financial services such as investment planning in UK. http://www.towerhillassociates.com/ Using a set of methods and philosophies, the company prides itself in providing the best service for customers.