FutureCertainty
Changing the world, one plan at a time...
The
FutureCertainty™ process starts
by taking a fresh look at your values and goals, and how
they impact your financial future. We help you take
decisions about the many competing priorities in your
life and the inevitable tradeoffs between available
resources, investment risk and return. And, as your life
changes, we’ll adjust your plan to continually assure
your future certainty.
Just as satellite navigation has taken the place of the sextant and the compass in mapping your progress, we’ve replaced the old world "hit-and-miss" approach to planning with sophisticated financial tools that give us a greater degree of confidence to ensure you reach your destination.
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Just as satellite navigation has taken the place of the sextant and the compass in mapping your progress, we’ve replaced the old world "hit-and-miss" approach to planning with sophisticated financial tools that give us a greater degree of confidence to ensure you reach your destination.
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Step 1: Clarify
Step 2: Analyse
Step 3: Plan
Step 4: Implement
Step 5: Monitor
What's important about money to you?
Most of us have no more than a vague notion of where we are heading and even less idea of how we are going to get there. Creating a compelling vision of your future life will provide you with the inspiration to turn hopes and dreams into financial reality. Taking it to the next level; creating a shared vision with your life partner and working towards it as a team will help you achieve your dreams in a way that can transform your relationship. (See FutureCertainty™ for Couples).
Clarifying your goals
How we manage and spend our money impacts every area of our lives and plays a central role in each individual’s value system. By creating your Financial Roadmap® I help you discover what you want to do, have and become and, ultimately, what is more important to you than money. You’ll identify what you truly value and develop the insight to make smart choices about your financial future on which we can base a set of financial strategies that will increase your certainty of achieving your goals.
Most of us have no more than a vague notion of where we are heading and even less idea of how we are going to get there. Creating a compelling vision of your future life will provide you with the inspiration to turn hopes and dreams into financial reality. Taking it to the next level; creating a shared vision with your life partner and working towards it as a team will help you achieve your dreams in a way that can transform your relationship. (See FutureCertainty™ for Couples).
Clarifying your goals
How we manage and spend our money impacts every area of our lives and plays a central role in each individual’s value system. By creating your Financial Roadmap® I help you discover what you want to do, have and become and, ultimately, what is more important to you than money. You’ll identify what you truly value and develop the insight to make smart choices about your financial future on which we can base a set of financial strategies that will increase your certainty of achieving your goals.
How am I doing?
It’s the question everyone asks - but now it can be answered more accurately than ever using our unique Portfolio Diagnostic Tool(TM). Most of us have an assortment of financial products acquired sporadically over the years from different sources. Some will have turned into solid investments and others will not have performed well.
Developed from nearly two decades experience in analysing the performance of pensions and investments, the Portfolio Diagnostic Tool(TM) removes the opportunity for bias and human error from the equation. It tells us impartially whether you are getting the market return you are entitled to for the amount of risk you are exposed to.
It tells us whether your fund managers are delivering value for money and whether you are likely to have a successful investment experience. It allows us to answer the question “How well are my investments doing?” with greater accuracy than ever before. The results give us greater certainty by helping us to decide which of your current investments you should take with you on your onward journey.
It’s the question everyone asks - but now it can be answered more accurately than ever using our unique Portfolio Diagnostic Tool(TM). Most of us have an assortment of financial products acquired sporadically over the years from different sources. Some will have turned into solid investments and others will not have performed well.
Developed from nearly two decades experience in analysing the performance of pensions and investments, the Portfolio Diagnostic Tool(TM) removes the opportunity for bias and human error from the equation. It tells us impartially whether you are getting the market return you are entitled to for the amount of risk you are exposed to.
It tells us whether your fund managers are delivering value for money and whether you are likely to have a successful investment experience. It allows us to answer the question “How well are my investments doing?” with greater accuracy than ever before. The results give us greater certainty by helping us to decide which of your current investments you should take with you on your onward journey.
Who should have a plan?
Financial planning is not just for the wealthy; it is for everyone who wants a certain financial future. Financial planning is not just for those nearing retirement; the earlier you start, the better chance you have of achieving some very ambitious goals
Most people do not have a clearly defined, written plan for their financial future. They don’t know how to achieve the results they are hoping for. A well constructed plan will identify a way forward that is within your comfort zone whilst giving you a high degree of certainty about your financial future.
Designing your plan
The FutureCertainty™ planning process is designed to achieve the goals you have identified in your Financial Roadmap®. We treat each goal as if it were a lever you can slide between two outcomes; the ideal (what you really, really want) and the acceptable (what you can live with). Between these two extremes we can design a plan that balances all the competing priorities whilst avoiding unnecessary investment risk or needless sacrifices to your current lifestyle. Just like Goldilocks – we are looking for something between “too hot” and “too cold” that is “just right.”
We can’t control what happens in the market, or the economy or the world. However, by focusing on what you can influence, we create a plan that allows you to deal with this uncertainty. We use highly sophisticated financial modeling software to simulate all the permutations of thousands of potential lifetimes. By modeling uncertainty, we can calculate the probability of a successful outcome, balance out your competing priorities and adjust the key variables to design a plan that gives you the highest level of confidence.
As the first Certified Wealthcare Analyst™ in the UK, FutureCertainty's Managing Director, David Jones, has been fully trained and accredited to create financial plans using the Financeware system, underlining our commitment to provide our clients with access to the best financial planning tools available.
Financial planning is not just for the wealthy; it is for everyone who wants a certain financial future. Financial planning is not just for those nearing retirement; the earlier you start, the better chance you have of achieving some very ambitious goals
Most people do not have a clearly defined, written plan for their financial future. They don’t know how to achieve the results they are hoping for. A well constructed plan will identify a way forward that is within your comfort zone whilst giving you a high degree of certainty about your financial future.
Designing your plan
The FutureCertainty™ planning process is designed to achieve the goals you have identified in your Financial Roadmap®. We treat each goal as if it were a lever you can slide between two outcomes; the ideal (what you really, really want) and the acceptable (what you can live with). Between these two extremes we can design a plan that balances all the competing priorities whilst avoiding unnecessary investment risk or needless sacrifices to your current lifestyle. Just like Goldilocks – we are looking for something between “too hot” and “too cold” that is “just right.”
We can’t control what happens in the market, or the economy or the world. However, by focusing on what you can influence, we create a plan that allows you to deal with this uncertainty. We use highly sophisticated financial modeling software to simulate all the permutations of thousands of potential lifetimes. By modeling uncertainty, we can calculate the probability of a successful outcome, balance out your competing priorities and adjust the key variables to design a plan that gives you the highest level of confidence.
As the first Certified Wealthcare Analyst™ in the UK, FutureCertainty's Managing Director, David Jones, has been fully trained and accredited to create financial plans using the Financeware system, underlining our commitment to provide our clients with access to the best financial planning tools available.
What do you base your investment decisions on?
Past performance, a tip from a friend, the Sunday papers or a financial website? There’s so much financial information flying around it’s a full time job working out the right course to take. Who can you trust? How can you be sure your investments will perform? The result for most people is a hotch-potch of products collected over the years that bear little relevance to their long-term goals.
A successful investing experience
Chasing the latest hot tip or star fund manager introduces a high element of uncertainty and is a strategy that almost always fails in the long-term. Our objective therefore is not to attempt to ‘beat’ the market but to get you the return you are owed for the amount of risk you take and to take the least amount of risk needed for your financial plan to succeed. Every recommendation we make is informed by the FutureCertainty™ filter; we simply ask: “Does this investment increase your certainty?”
To deliver a successful investing experience, our solutions are based on an intelligent application of multi-asset class investing. The basic allocation of assets between equities, fixed interest, property and cash, is the main component which influences investment performance and, therefore, the construction of a portfolio. By diversifying across domestic and international equities, fixed interest and property, and gaining access to those assets via index funds, we can produce a more consistent and predictable experience.
More information about our implementation partners can be found here.
Past performance, a tip from a friend, the Sunday papers or a financial website? There’s so much financial information flying around it’s a full time job working out the right course to take. Who can you trust? How can you be sure your investments will perform? The result for most people is a hotch-potch of products collected over the years that bear little relevance to their long-term goals.
A successful investing experience
Chasing the latest hot tip or star fund manager introduces a high element of uncertainty and is a strategy that almost always fails in the long-term. Our objective therefore is not to attempt to ‘beat’ the market but to get you the return you are owed for the amount of risk you take and to take the least amount of risk needed for your financial plan to succeed. Every recommendation we make is informed by the FutureCertainty™ filter; we simply ask: “Does this investment increase your certainty?”
To deliver a successful investing experience, our solutions are based on an intelligent application of multi-asset class investing. The basic allocation of assets between equities, fixed interest, property and cash, is the main component which influences investment performance and, therefore, the construction of a portfolio. By diversifying across domestic and international equities, fixed interest and property, and gaining access to those assets via index funds, we can produce a more consistent and predictable experience.
More information about our implementation partners can be found here.
How do you stay on track and cope with
change?
A
financial plan shouldn't be a one-off report doomed
to gather dust on a shelf. It's a living document
that should be regularly updated so that you always
operate with a high degree of certainty about your
future - helping you avoid the trap of hoping for
too much from your investments or making needless
sacrifices in your current lifestyle.
Getting a clear overall picture of our financial position can be a daunting task. Even if we know where we stand now, few of us know for sure where our current strategy is likely to leave us in ten or twenty years’ time.
Adjusting for changes
Having a financial plan gives you a basis on which to work but, inevitably, it will evolve as your circumstances change and as outside forces come into play. As priorities change and opportunities arise, we feed the new scenarios into the financial model and calculate what effect, if any, they have on your comfort level. Using information in this way is the basis of intelligent decision making.
Your financial plan is updated quarterly (or as needed) to ensure that you stay on course to achieve your goals. You are also able to obtain 24/7 access to your investments on our Transact Wrap platform.
Getting a clear overall picture of our financial position can be a daunting task. Even if we know where we stand now, few of us know for sure where our current strategy is likely to leave us in ten or twenty years’ time.
Adjusting for changes
Having a financial plan gives you a basis on which to work but, inevitably, it will evolve as your circumstances change and as outside forces come into play. As priorities change and opportunities arise, we feed the new scenarios into the financial model and calculate what effect, if any, they have on your comfort level. Using information in this way is the basis of intelligent decision making.
Your financial plan is updated quarterly (or as needed) to ensure that you stay on course to achieve your goals. You are also able to obtain 24/7 access to your investments on our Transact Wrap platform.
For more information or to arrange an initial interview contact us or call David Jones on 0208 744 1888.
