Business Goals - The 10 Commandments
The Ten Commandments of Goal Setting While it's good to set goals and work them into a proper plan, the fact is many people succeed in business without setting any goals. Be careful not to set your goals too high. You should have goals that are achievable, otherwise frustration will set in and you are more likely to give up.There are certain features or strategies that you can build into your goals resulting in success. There is a problem however when someone engages in a risk product with an investment attached. If the client had no more need for this product and wanted to cancel then there would be charges involved. My opinion is to keep these separate for flexibility.

So the question I want to ask is do you or your clients know whether their investment allocation is 100% or not? Have you educated them sufficiently that they won’t be disappointed further down the line? Great news is that there are products out there now that offer 100% allocation and no cancellation fees after a reduced period of time. So when selling or buying an investment, pension f

With much speculation over the insurance power houses and how they always seem to be in the spotlight, how can you make the right decision when it comes to your personal financial planning? When you read the press it's normally one sided in my opinion. Yes certain people have had a slap on the wrist which has been well deserved, yet there are companies that have made a phenomenal effort to increase the transparency of their contracts. Some companies have made a more concerted effort to educate their prospective clients into making an educated decision.

Making one bad decision when it comes to policy choice can have an exponentially disastrous effect on your life. In the past there have been various investment strategies offered to the public which where not transparent enough for the consumer to understand. The public would entrust their financial advisor to make the right choice for them, not thinking that maybe the underlying factor like the policy structure could be flawed in several ways. It is no use having the best financial advisor in the field when he is not backed by a system that has their client’s best interest at heart.

My aim is to educate my clients as extensively as possible so that they too can make that all important decision. Now what I have to do is to ensure that my clients understand the fundamentals of investing their money and how fund managers work.

Unlike the earlier days your choice of fund managers is considerably greater. Then there are multi-managed funds which gives you exposure to various expert managers and not relying on one specific manager. There are benchmarks in place so the funds can be switched under poor performance. Unlike the earlier times when you put your money into one fund you were “doomed” due to the flexibility of the product. If your broker was not watching your funds continuously you would be none the wiser to have your funds moved.

The one most notable factor which has been widely debated on is early cancellation fees. The industry has charged these fees for many years and has caused great outrage amongst the public. Now we can look at this in two ways. Either the advisor did not make it clear enough to the client about these charges or the client ignored the fact that they would have to keep their investment to its full term to avoid charges.

Although many contracts may not have been as transparent as we would like, the policy owner has to accept certain liability to acknowledge the fact that it was a long term plan. If people adhered to this plan there would be no “early exit” charges. There is a problem however when someone engages in a risk product with an investment attached. If the client had no more need for this product and wanted to cancel then there would be charges involved. My opinion is to keep these separate for flexibility.

So the question I want to ask is do you or your clients know whether their investment allocation is 100% or not? Have you educated them sufficiently that they won’t be disappointed further down the line? Great news is that there are products out there now that offer 100% allocation and no cancellation fees after a reduced period of time. So when selling or buying an investment, pension f

us effect on your life. In the past there have been various investment strategies offered to the public which where not transparent enough for the consumer to understand. The public would entrust their financial advisor to make the right choice for them, not thinking that maybe the underlying factor like the policy structure could be flawed in several ways. It is no use having the best financial advisor in the field when he is not backed by a system that has their client’s best interest at heart.

My aim is to educate my clients as extensively as possible so that they too can make that all important decision. Now what I have to do is to ensure that my clients understand the fundamentals of investing their money and how fund managers work.

Unlike the earlier days your choice of fund managers is considerably greater. Then there are multi-managed funds which gives you exposure to various expert managers and not relying on one specific manager. There are benchmarks in place so the funds can be switched under poor performance. Unlike the earlier times when you put your money into one fund you were “doomed” due to the flexibility of the product. If your broker was not watching your funds continuously you would be none the wiser to have your funds moved.

The one most notable factor which has been widely debated on is early cancellation fees. The industry has charged these fees for many years and has caused great outrage amongst the public. Now we can look at this in two ways. Either the advisor did not make it clear enough to the client about these charges or the client ignored the fact that they would have to keep their investment to its full term to avoid charges.

Although many contracts may not have been as transparent as we would like, the policy owner has to accept certain liability to acknowledge the fact that it was a long term plan. If people adhered to this plan there would be no “early exit” charges. There is a problem however when someone engages in a risk product with an investment attached. If the client had no more need for this product and wanted to cancel then there would be charges involved. My opinion is to keep these separate for flexibility.

So the question I want to ask is do you or your clients know whether their investment allocation is 100% or not? Have you educated them sufficiently that they won’t be disappointed further down the line? Great news is that there are products out there now that offer 100% allocation and no cancellation fees after a reduced period of time. So when selling or buying an investment, pension f

re that my clients understand the fundamentals of investing their money and how fund managers work.

Unlike the earlier days your choice of fund managers is considerably greater. Then there are multi-managed funds which gives you exposure to various expert managers and not relying on one specific manager. There are benchmarks in place so the funds can be switched under poor performance. Unlike the earlier times when you put your money into one fund you were “doomed” due to the flexibility of the product. If your broker was not watching your funds continuously you would be none the wiser to have your funds moved.

The one most notable factor which has been widely debated on is early cancellation fees. The industry has charged these fees for many years and has caused great outrage amongst the public. Now we can look at this in two ways. Either the advisor did not make it clear enough to the client about these charges or the client ignored the fact that they would have to keep their investment to its full term to avoid charges.

Although many contracts may not have been as transparent as we would like, the policy owner has to accept certain liability to acknowledge the fact that it was a long term plan. If people adhered to this plan there would be no “early exit” charges. There is a problem however when someone engages in a risk product with an investment attached. If the client had no more need for this product and wanted to cancel then there would be charges involved. My opinion is to keep these separate for flexibility.

So the question I want to ask is do you or your clients know whether their investment allocation is 100% or not? Have you educated them sufficiently that they won’t be disappointed further down the line? Great news is that there are products out there now that offer 100% allocation and no cancellation fees after a reduced period of time. So when selling or buying an investment, pension f

factor which has been widely debated on is early cancellation fees. The industry has charged these fees for many years and has caused great outrage amongst the public. Now we can look at this in two ways. Either the advisor did not make it clear enough to the client about these charges or the client ignored the fact that they would have to keep their investment to its full term to avoid charges.

Although many contracts may not have been as transparent as we would like, the policy owner has to accept certain liability to acknowledge the fact that it was a long term plan. If people adhered to this plan there would be no “early exit” charges. There is a problem however when someone engages in a risk product with an investment attached. If the client had no more need for this product and wanted to cancel then there would be charges involved. My opinion is to keep these separate for flexibility.

So the question I want to ask is do you or your clients know whether their investment allocation is 100% or not? Have you educated them sufficiently that they won’t be disappointed further down the line? Great news is that there are products out there now that offer 100% allocation and no cancellation fees after a reduced period of time. So when selling or buying an investment, pension f

There is a problem however when someone engages in a risk product with an investment attached. If the client had no more need for this product and wanted to cancel then there would be charges involved. My opinion is to keep these separate for flexibility.

So the question I want to ask is do you or your clients know whether their investment allocation is 100% or not? Have you educated them sufficiently that they won’t be disappointed further down the line? Great news is that there are products out there now that offer 100% allocation and no cancellation fees after a reduced period of time. So when selling or buying an investment, pension fund or retirement annuity that comes with all the bells and whistles make sure you understand the intricacies of the product. This will ensure that you as the client can make a more informed decision and you the advisor have educated your client on this pertinent issue!