You Snooze you Lose

The team at Investing For Tomorrow are busy making sure our clients make the most of their opportunities to reduce tax, just one facet of ensuring we use our wealth to the best possible effect.

This is true of both our personal business planning as well as optimising business proceeds for tax.

Unfortunately, this is where that human tendency to put things off runs out of road, we need to act now to ensure the best possible result. The methods and opportunities are too extensive to cover in an article and of course need to account for personal circumstances, however to discuss a few:

We can help utilise your personal allowance; not everybody has an £11,500 allowance but there are ways most people can benefit.
Make the most of tax relief while you can, you may be able to give that pension a boost without it breaking the bank.
Use those dwindling dividend allowance, the tax free £5,000 will be slashed in April, make the most of it whilst you can.
Minimise tax on your gains, we had a competition in the office and came up with eight diverse ways to reduce capital gains tax, unfortunately you can’t use any of them once the deadline has gone.
Effectively use the family tax bands, HMRC will give you relief on tax you haven’t even paid.
Make sure those ISA allowances have been all used up, careless acts costs tax!

Investing For Tomorrow are ready and waiting to help, there are no false deadlines here. Give us a call on April the 4th and we’ll jump through hoops, but March 4th would be better.

The bank that likes to say ‘yes’

Repeated payouts to children could have a detrimental impact on your own long-term saving

Many parents who are in a position to do so would want to provide financial help to their children. However, in many cases, this financial support ends up being gifts from Mum and Dad rather than the loans from the Bank of Mum and Dad they start out as.

Long-term dent

These written-off loans risk making a long-term dent in the finances of parents, often at the stage in their lives when they would like their money to be invested for the future and working hard for them in a pension. If the choice is between providing loans to their children or continuing to contribute to a pension, parents should obtain professional financial advice before making that decision.

On average, those who have lent money to their children or grandchildren are owed £12,700, and more than one in ten (11%) of the Bank of Mum and Dad’s loans are for figures of more than £20,000.

Repaid in full

Research from Prudential[1] has revealed that in many cases, the Bank of Mum and Dad doesn’t expect its loans to be repaid in full, with more than two in five (44%) parents who have lent money to their families admitting it is unlikely that they will ever see the full amount of money again.

However, the potential for significant financial loss from written-off loans doesn’t appear to deter them. More than two thirds (68%) of the parents interviewed have already loaned money to their families, or have definite plans to do so in the future, while the remaining (32%) all hope to be in a position to act as their children’s preferred lender some time in the future.

Considering lending

Of those parents who are considering lending to their offspring in the future, many are also unsure they will get the money back – nearly two fifths (37%) think it is unlikely they will be repaid, while only just over a quarter (28%) expect to be repaid eventually if they are called on as a lender.

Backing up a report[2] published by the Social Mobility Commission in March 2017, which revealed that young people are increasingly reliant on the Bank of Mum and Dad to help fund the purchase of their first house, the research shows that two in five loans from parents (39%) went towards a deposit for a house or buying a home outright.

Living expenses

The second most popular reason (28%) for lending money was to help buy a car. But the study shows cash is also going on paying off student and credit card debts, as well as for general living expenses.

As many younger people struggle to get onto the housing ladder, it has become widely accepted practice for parents to help out where they can, but children going to the Bank of Mum and Dad to help cover everyday living expenses is a worry. For many parents, repeated payouts to their children could have a detrimental impact on their own long-term saving for retirement.

Source data:
[1] Research conducted by Consumer Intelligence on behalf of Prudential between 20 and 21 July 2017 among 1,057 parents.
[2] www.gov.uk/government/news/first-time-buyers-relying-on-parents-to-get-onto-housing-ladder

Millennial outlook

Pension saving high up on the list of workplace priorities

Workers from the so-called ‘millennial generation’ are putting pension saving high up their list of workplace priorities. Nearly six in ten (57%) people in their first ten years of work considered the quality of their current employer’s pension scheme before deciding whether to take the job, and they will also assess any potential new employer’s pension scheme before moving jobs in the future, according to research from Prudential[1].

Rising living costs

The results found that a confident two in five (38%)[2] believe their retirement saving efforts are on track to help them match the living standards of today’s pensioners when they give up work themselves. However, just over a third (34%) acknowledge rising living costs and accept that the amounts they are saving today simply won’t be enough to support a comfortable retirement.

Millennial women are more realistic than their male colleagues about the challenges of matching the living standards of their retired grandparents in a world where the responsibility for pension provision continues to shift further away from employers and the Government and onto the individual. Just under one in three (32%) of the women surveyed were confident their retirement incomes would match that of older generations, compared with more than half of men (52%).

Making personal sacrifices

Many younger workers are considering making personal sacrifices to help fund a comfortable retirement – 31% say they will consider cutting back on spending for the next ten years to focus on their pension, and 30% are considering a move to a less expensive part of the country.

Despite all the good intentions around saving and planning for their retirement, more than half (54%) of the younger generation of workers admit they are envious of the retirement plans and finances of those who have already given up work or are about to do so.

Comfortable in retirement

The research also found that 30% of younger workers have yet to consider how much income they will need for a comfortable life in retirement, while one in three (33%) say they will consider moving abroad if it helps to secure a more comfortable life when they give up work.

The facts are that given the current economic world is changing, the millennial generation will need to adapt their outlook in line with changes across the economic landscape, and many may be too over-optimistic about the age they can expect to retire if they don’t make sufficient provision early enough.

Source data:
[1] Consumer Intelligence conducted an independent online survey for Prudential between 26 May and 5 June 2017 among 740 UK adults who started work within the last ten years – 98% of whom were aged 18 to 34.
[2] Research conducted by CanvasseOpinion from Experian for Prudential between 28 September 2007 and 25 October 2007. More than 4,000 people were questioned, with 464 people out of that sample retiring in 2008. In subsequent years (2008 to 2016), Research Plus conducted independent research on behalf of Prudential each November among at least 10,000 non-retired adults in the UK, including at least 1,000 planning to retire in the following year.

Brexit – It’s Not Whether We’re In Or Out That Will Cause Uncertainty:

PROFESSIONAL’S VIEW – MARCH 2016

We’d love a Pound (or a Euro for that matter) every time we heard or read the word “Brexit” in the next four months. Its’ coverage will be wider than Demis Roussos’s kaftan in the run- up to June 23rd and we don’t doubt that most people will be growing mighty weary of the in-out debate well before then. But we can’t ignore the impact that it may have on the equity, bond and currency markets connected to the UK as we move through Spring to Summer.

Probably the biggest cause of uncertainty will not be whether we stay in or leave, but rather the changing perception of the outcome as the date draws nearer. We’ve already had a clue as to what will happen to Sterling, as it fell sharply upon the announcement by Boris Johnson that he was joining the “out” camp. Of more interest to us however is the discrepancy that exists at the moment between what the polls say will be the outcome and what the bookies say.

Most people think that the bookies always get it right. That wasn’t necessarily the case in our General Election of last year as a Tory majority could be backed at 7-1 even on the day. Today, bookmakers have it as a near certainty that the UK will remain in the EU after June 23rd but if you look at the polls you see a much closer vote occurring. The polls didn’t cover themselves in glory leading up to the General Election, it’s fair to say, but over Brexit they are suggesting close to a 50/50 chance of coming out, which is a massive discrepancy. It doesn’t really matter at this stage who is right. It does matter from a short term investment perspective though that one of them is clearly wrong. Deciding which one will have a fundamental effect on UK portfolios as, if the bookies are right, the drop in Sterling is almost certainly overdone and certain stocks and sectors will benefit once the result comes through. If the polls are right though, this means that expectations of leaving will increase as polling day approaches, probably leading to further downward pressure on the Pound and seeing share prices in the companies and sectors that will be major beneficiaries of staying in, fall.

Either way, June 24th will bring clarity and we suspect that markets may respond positively whichever way the UK votes as most of the price volatility will have happened prior to the date itself. We may, of course, be wrong, but we’ll not be increasing our UK exposure in the run up to the referendum. We will however be ready to act quite quickly after the vote, whichever way it goes.

Pass The Petrol:

Our comment last month that the last time the world was shaping up as it is today was “just before World War 2, and before that just before World War 1” was greeted with some scepticism. Since then, China has unveiled some missiles on an island in the South China Sea claimed by Vietnam and Taiwan and Donald Trump has taken a huge step towards making it a straight fight for the White House with Hilary Clinton. Just saying….

Unforeseen Consequences of Negative Interest Rates:

With the Bank of Japan crossing into negative interest rate territory and speculation mounting that the ECB and other Central Banks may follow suit in the event of a worsening global economy, we have read something that we found interesting regarding possible outcomes from a move that we, and nearly everyone else, will be facing for the first time. We will continue to make our point that we are in, or entering, a deflationary era that is unfamiliar to policymakers, politicians, bankers and fund managers alike and as such there will be numerous errors made in expectations and assumptions as old models are found to be wanting in the new environment. Negative interest rates may be one such area.

Intuitively, negative interest rates suggest cheaper borrowing and a positive stimulus to the economy. This may not be the case. Strangely, negative interest rates could actually lead to the cost of borrowing increasing. How? Well, according to BCA Research, a bank has to respond to a negative interest rate policy in one of three ways.

One of these is to increase their margins by raising the cost to borrowers. This, then, would have the effect of tightening credit when the intention from the central bank was exactly the opposite.

If the negative rate was to be passed on to depositors, this would encourage capital flight and thus put the bank’s solvency in jeopardy. If it took the hit on both lending and saving rates this would again adversely affect its own profitability and, ultimately, solvency. We saw in February a sell off in bank stocks as this state of affairs raised its head for the first time.

It is pretty clear that any one of these three outcomes is negative for the wider economy and adds fuel to our argument that this time around, if there is a crisis, the Central Banks’ armoury is empty.

A Quite Brilliant Analogy:

Linked to the idea that we are in a different era today in which yesterday’s rules don’t work, we tip our hat to Dhaval Joshi (Managing Editor at BCA Research) for this superb analogy as to why it is a mistake for policymakers such as our own Bank of England to put a numerical target on the inflation rate that they are trying to hit. Their stated inflation target is 2%. Unsurprisingly, they are way off hitting it on a constant basis. Why? Well, according to Joshi, it’s akin to trying to arrive at Heathrow Airport at precisely 8 a.m. in a weekday from North London.

Leave home at any time up to 7 a.m. and the journey to the airport is a smooth, constant forty minutes. Leave after 7 a.m. and the journey time doubles, due to bus lanes coming into force and the general rush hour surge. “This non-linearity creates a perverse effect. It is mathematically impossible to arrive at Heathrow at precisely 8 a.m.”

If you leave before 7 a.m. you will arrive early. If you leave after 7 a.m. you will be late. There is no time that you can leave so as to arrive bang on 8 a.m. But this doesn’t stop people trying with the resulting increase in dangerous driving, rising stress levels and increased physical risk.

So it is with a 2% inflation target in a deflationary world. Central Banks are pursuing an unobtainable quest and, as we see through the introduction of negative interest rates, the unintended consequences of their linear approach could turn out to be quite damaging. Better that they target a range, if they need to target at all.

As we’ve seen in countless situations since the Financial Crisis though, if we are waiting for policymakers to act in anticipation of an event then we may have to wait a long time. Their normal course of action is to wait for a crisis, and then respond. We’re not sure exactly what the next crisis will be, but a next crisis will surely happen as the world crawls out of the mess that it got itself in nearly a decade ago.

If It looks Like A Bear, Sounds Like A Bear, and Feels Like a Bear…:

PROFESSIONAL’S VIEW – FEBRUARY 2016

Last month we wrote the following: “In our opinion, a market correction is a near certainty in 2016. It’s just a question of when, and by how much. And will a correction turn into a full blown bear market? We’re certainly due one.”

Silly us. The graph below clearly shows that we’re already in one.

For some reason others are in denial, clutching on to various definitions of a bear market that insist upon the 20% fall in a market occurring within a two month period, and so on. To us that’s a bit like looking up as a half-ton bag of sand is about to land on you and discussing whether it’s come from Travis Perkins or Jewson. Best take evasive action first – detail can be analysed later. If the highs are consistently higher, and the lows are consistently lower, there’s only one direction that is dominant and you’re not going to be very thankful if you are invested in a FTSE tracker. Yes, it will be cheap, but it will just be a cheap way of losing money, until the bear turns of course. The crucial question, therefore, is when will this be?

This is where the hindsight fund would come in useful as we could be invested in it with 100% of our assets. Sadly, it doesn’t exist. We will only know that a bear has turned into a bull after approximately the same length of time as it has taken for the graph above to identify the current bear. In other words, the highs will need to get higher and the lows will need to get higher too. It feels a bit of a way off just yet. Let’s look at some of the obstacles in the road ahead.

It is worth stressing here that one sees obstacles in the way by looking forward and not by being fixated by data that is backward looking – Janet Yellen take note. We said at the time that we considered the interest rate rise in the US last December to be a mistake as leading indicators were pointing to a slowdown approaching. It hasn’t taken long for this to be becoming clear.

China, Deflation, Global Slowdown, Geopolitics, Cyber Crime etc etc:

That’s quite an impressive line-up of potential headwinds. It’s not all bad though. On a positive note, the evenings are getting lighter.

We can see from the graph that there are regular rallies in which opportunities exist to make some money, but sentiment is a powerful adversary. Of the two problems listed above, deflation and geopolitics would be the most significant as a longer term threat. China, the global slowdown and cybercrime could, to varying degrees, be seen as more temporary and controllable risks. Having said this, each is inter-related to the other to some extent.

“The Last Time It Was Like This? Just Before WW2. And Before That? Just Before WW1”:

This cheery observation was made by BCA’s Geopolitical Editor, Marko Papic and refers to the state of multipolarity that exists in the world at the moment. For better or worse, the USA has been the global hegemon (leading influence) in the last thirty or forty years, but now that Russia has rediscovered its nationalism and China has quickly emerged as the 2nd biggest economy in the world and the dominant hegemon in Asia, which has coincided with the US withdrawing from the Middle East, a power battle is developing which does not bode well for the stability of markets.

A currency war is virtually upon us already, with the Yuan, Yen, Dollar, Euro and Sterling all playing musical chairs and trying not to be the strongest when the music stops. At times of crisis, the Yen and Dollar are traditionally the currencies under which to shelter, but a strong currency in each case causes domestic problems that respective governments are desperate to avoid.

A strong Dollar usually goes hand in hand with weaker commodity prices and expensive debt repayments for the emerging markets, so these are two areas we continue to avoid. The fact that the Bank of Japan have just announced negative interest rates shows just how important a weak Yen is to their plans.

Junkie Markets

Last month we predicted that this year would be characterised by markets waking up to the fact that central banks were out of ammunition. True enough, markets responded in junkie fashion when the Bank of Japan gave them a short term hit of lower rates, but their rush is likely to be short lived. What happens when they want more next time and it’s not there? Cold turkey is an unpleasant medicine, apparently.

Hands Up If You’ve Lived In A Deflationary Era:

We didn’t expect to see any raised. China’s biggest export at the moment is deflation and the global economy doesn’t quite know how to handle it. More importantly, the world’s policymakers don’t really know what to do. We see this as probably the biggest threat in the coming months, as people can argue all they like about whether we’re headed for recession or not, or point to improving order books, but if those orders are being delivered at a reduced price because deflation determines that you can’t put your prices up, then your profits go down.

And if your profits go down, your share price goes down. And if too many share prices go down that makes a market and a slowing economy. And if your economy is slowing and your central bank can’t help you, a correction in prices and projections takes place. And that’s where we think we’re headed.

It’s not all doom and gloom as rallies can last for three to six months, allowing plenty of time to reposition and make some profits, but for now we’re going to play it safe and treat any rally with suspicion, preferring to play safe and let others play the “buying opportunity” game in the short term.

Sources: BCA Research – January 2015

The value of investments can fall as well as rise and past performance is not a guide to the future. The information contained within this document is for guidance only and is not a recommendation of any investment or a financial promotion.

The importance of fact finding in financial planning

A fact-finding interview allows a dedicated financial planner to provide the best service possible to their clients.

Working together, fact-finding can provide an abundance of useful information which will identify key elements of a client’s life that can structure their future and help us to recognise how they can fulfil their life’s goals and ambitions.

One way that a financial planner will begin a fact-finding exercise is by sending the client a checklist to complete, ahead of a start-up discovery meeting. This will comprise of basic questions including questions about you, your family, your health, your plans for the future, along with details about any dependants you may have.

Always make sure to keep your options open as your financial planner will help you to prioritise your life according to your aspirations. So, if you have dreams that you think are unaffordable or unattainable, don’t rule them out as this is what your financial planner is there for… to help you achieve.

Here are some of the most important factors that your financial planner will need to know about you:

Health & lifestyle

Retirement is a key age to focus on your health. Inform your financial planner of your current health status, along with any previous issues and procedures you may have had.

This is extremely important as a previous diagnosis, may lead to a significant improvement in your pension income.

Assets

A customer must provide as much information as possible about their existing and previous assets, this includes; bank accounts, savings, shares, property and ISA’s. If you are unable to provide this yourself, or don’t know how to go about it, with your permission, your planner can contact the providers and seek that information themselves, in order to advise you appropriately.

Dependants

There has been a significant increase in the amount of people who reach retirement and then dedicate their time to looking after both elderly and younger relatives. If this relates to you then you must let your financial planner know, also informing them if you would like plans to be made to secure your relatives’ financial future, as well as your own.

Your financial planner will then make changes according to your requests; this could be things such as saving to pay for a younger relative’s wedding or an older relative’s care costs.

Liabilities

If you are going into retirement with outstanding debts, credit card bills and interests on loans which must be paid then it’s important to inform your financial planner, as they are able to help you with debt repayment strategies.

Pensions

When meeting with your financial planner, provide as much information as possible about your current employer schemes and any preserved benefits. Bring as much evidence as possible about your current expenditure such as annual statements.

Your state pension, along with any existing pension schemes you may have are an important part of your retirement income, so always remember to inform your financial planner of these, no matter how small you think the income will be… you may be surprised.

Income and expenditure

Your spending habits will most likely change during retirement. Rather than your income being used on commuting and work clothes, it’s more likely to be used on club memberships or holiday funds. You may wish to receive different incomes over different periods of your retirement. For example, you may want to work part-time and have your pension income just to top it up, until a more substantial employer pension scheme then comes into payment.

Overall your financial planner must have a solid understanding of how much ‘essential income’ you need as a minimum per month, along with how much ‘lifestyle income’ you would like. You must always make sure your lifestyle income reflects the life you want to lead.

Investing For Tomorrow host HRLFC networking lunch with rugby legend

We’ve teamed up with The Halifax Rugby League Football Club to sponsor their ‘Doing the Business’ Networking Club on 22nd June 2017.

Held at the Shay Stadium, the event will welcome former New Zealand rugby player, Robbie Hunter-Paul who also captained Bradford Bulls in 1996 and became the fourth player ever to achieve what was a Challenge Cup final record of three tries.

As the main sponsors of the event, we’re inviting fellow Calderdale businesses to enjoy an afternoon of networking and refreshments, in the company of one of the greatest Rugby League players in history. Robbie Hunter Paul, who is now the managing director at TXM Sports and an ambassador for Bedzrus Ltd, will be giving a presentation about his career at the event.

Demand for places is expected to be high, as guests are invited to experience first-hand the benefits associated with becoming a business supporter of Halifax Rugby League Football Club.

Commenting on the event, managing partner and founder of Investing For Tomorrow, Laurence Turner said:

“It is an absolute honour to support Halifax Rugby League, the club is a bedrock of the local community and Investing For Tomorrow is determined to be a positive local contributor wherever we can. Our whole ethos is to release people’s potential to make the most of life and Robbie and all those who make the club thrive are great examples of people who take life by the scruff of the neck.”

CEO at Halifax Rugby League Football Club, Mark Moore said:

“We’re incredibly pleased to have Investing For Tomorrow as the main sponsor to our second Business Networking Event. This provides Halifax Rugby Club and Investing For Tomorrow with the opportunity to reach out to local businesses, forming relationships in order to mutually help expand our working opportunities. Investing For Tomorrow has been a key sponsor this season which the club are very grateful for.”

Attendance on the day is free, but by invitation only. To receive an invitation send an email to markmoore@halifaxrlfc.co.uk asap.

Investing For Tomorrow celebrates HRLFC’s 1987 winning ‘band of renegades’

On 1st July we will welcome the town’s 1987 champion rugby league team to The Shay stadium, 30 years after their victory at the Challenge Cup final at Wembley.

A weekend of celebrations for the Halifax Rugby League team will kick-off with a reunion dinner where fans and former players will be able to remember the triumphant side and their achievements from 1984 to 1988. Attendees at the event will enjoy a three-course dinner and entertainment with MC and comedian Lea Roberts, interviews with the squad and a raffle.

As the main sponsors of the event, we’re offering fans the opportunity to win two VIP tickets to the dinner, which will include a champagne reception and the opportunity to take photos with the Challenge Cup trophy and the reunited team.

The winners will also be invited to the HRLFC game against Bradford Bulls on 2nd July, including a full hospitality package, before and after the game.

In the space of five years, Halifax climbed out of the Second Division, won the First Division championship, reached a Premiership final and won the Challenge Cup final. The unexpected success of the club and their lively spirit, lead to the team being dubbed a winning ‘band of renegades’.

Commenting on the reunion weekend, our managing partner of Investing For Tomorrow, Laurence Turner said:

“It is an absolute honour to be able to support the Halifax Rugby League team, both past and future players. The reunion weekend will allow fans to remember all that has been accomplished by the club over the years and will also be a great opportunity for us to look forward to the future. As a local business, we’re passionate about being at the centre of the community and determined to be a positive local contributor wherever we can.”

Marketing manager at Halifax Rugby League Football Club, Rick Farrell said:

“We’re incredibly pleased to have Investing For Tomorrow as the main sponsor to our reunion weekend. This provides Halifax Rugby Club and Investing For Tomorrow with the opportunity to work together to put on a fantastic weekend for HRLFC’s fans. The club is incredibly important to the local community and I think it’s therefore imperative that we recognise the club’s 30-year anniversary. Investing For Tomorrow has been a key sponsor this season, which the club are very grateful for.”

For a chance to win the two VIP tickets, fans can send their memories of the day Halifax lifted their fifth Challenge Cup trophy, including 200 words and images to info@iftwm.com, using the subject line ’87 Memories’ by 26th June 2017. The winner will be announced shortly afterwards.

Halifax RLFC Reunion Dinner contest winner announced!

We were the proud sponsors of Halifax Rugby League Football Club’s 1987’s team Reunion Dinner, which took place at the Shay Stadium on Saturday 1st July.

We held a competition in partnership with Halifax RLFC, giving away two VIP tickets to two lucky fans. We’d like to say congratulations to Sharon Oliver who won the VIP Gold Seats, for the sold out 87 Reunion Dinner plus a VIP dining package for the Bradford Bulls match the following day. Sharon and her partner were given the opportunity to join the former players at an evening event which included a three-course meal and a meet and greet afterwards.

VIP ticket holder and contest winner Sharon Oliver commented:

‘I’m incredibly pleased to have been given this amazing opportunity. My husband has been a fan of Halifax RLFC since he was 10 years old; he went to all the games with his father. It was a struggle to be able to listen to the challenge cup final all those years ago, being in America, so I feel like this is a chance to relive the excitement from 1987! I was nervous but very excited to meet all the players!”

As the competition sponsor, Investing For Tomorrow selected the lucky winner; have a read of Sharon’s inspiring entry:

“Imagine a time before the Internet, Whatsapp, Twitter or Facebook. There were almost no Personal computers, no IPads, mobile phones were the size of bricks and email was for the few in the know. Imagine being a lifelong Fax Fan and working in North Carolina USA (Brit newspapers taking a week to arrive) and what happens?

“Your team makes it to the Challenge Cup Final for the first time in living memory. You can’t afford to fly back to London, what on earth are you going to do?

“That’s exactly what happened to my husband – then a twenty-something fan of 15+ years and marooned for two years thousands of miles away in the land of gridiron.

“By chance, I was in the dentist who happened to be British and was telling her this story and amazingly she said she had a long range radio we could borrow. So that’s how we listened to the match (no TV), in our condo with a very crackly signal. It was so exciting and I was so glad we’d managed to experience it albeit all those miles away. The next year we were back in the UK, excitedly followed the ’88 Fax to Wembley and … lost, gutted!”

We are recruiting for a paraplanner

Investing For Tomorrow is a growing practice, extraordinarily engaged in the Halifax and Huddersfield community serving a very wide range of clients. The practice thrives on living its brand, ensuring clients make the most of their assets to enjoy today, and prepare for their future.

The practice is growing and therefore we need to grow the team, the next addition is an experienced para planner who wants to be in at the early stages of something great. Rewards will be good and will grow as the practice does.

Right now the practice is after experience before qualification, help will be very forthcoming for those who want to reach their potential in terms of qualified status, someone who has ‘been there and done it’ will be a best fit for this vacancy.

Attitude needed:

Committed

Hard working

Detail obsessed and determined to be excellent

Experience needed:

A wide range of financial systems including;

O&M Profiler, Selectapension, Adviser Asset, FE Analytics and the Synaptic Research tool.

Overall:

Put simply the successful candidate will need to write exceptionally competent reports analysing the finances of our clients and making the best recommendations to our advisor team.

call: 01422 349 131

email: info@iftwm.com

Month: July 2020