An Overview of UK Money.
About The Video.
Top tips on how to choose a financial adviser:
  • Go to an IFA not bank for advice.
  • Check qualifications.
  • Go for fee only advice.
  • Think about your life plan.
  • Do the "Understanding test".
Comment: I would point out that there is ongoing discussion regarding an “advice-gap” that has arisen because advisor fees can be high. 
Through 469BCe.COM I support the idea of financial education as a way to minimise the impact of any 'gap'.  Email me for details.
Wellness.
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  • Be patient: Things don't change overnight. Taken as a whole managing your finances can seem daunting. The truth is that once broken down into small bites everything, in your financial life, becomes simple to deal with.  It just takes time.
  • Take strength from everything that you believe:  It's your financial life. It's what you want and what you value that's important. Working for something that you believe in is much easier than working for something that others think you should value.
  • ​Be happy:  Whatever your current circumstances it's important for you to find a way to be happy.  A positive outlook now will go a long way to helping you create a positive and happy future.
Where to start?

Managing your finances can be a daunting thing, especially in a world of fast moving deals and salesmanship.  The good news is that it can be done and once you establish good practices it will take up very little time to be maintained.  Accepting that the order may change, the 12 steps I suggest in almost all cases are -
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  1. Make a list of all income(s.)
  2. Differentiate between regular steady income and extra bonus/second income(s).
  3. Write down a list of all of your expenditure including all debts.
  4. Prioritise your expenditure and debts.
  5. Make a realistic budget. Match income to expenditure. Include everything you will spend money on over the week/month.
  6. Protect you/your family with Life & Critical Illness cover.
  7. Decide on a sustainable strategy for paying off your debts.
  8. Look to build a 'rainy day' fund.
  9. Reduce any mortgages with additional payments.
  10. Start a pension.
  11. Look at main-stream savings products.
  12. Look at setting up a diverse portfolio of investments.

What's Next?

If you find this all a little daunting or are having trouble with any of the steps, email me and I will do my best to help now.

BE ASSURED ALL OF OUR DEALINGS ARE UNDERTAKEN IN THE STRICTEST CONFIDENCE.

How Can We Help?

As a member of 469BCe.com, you will have, one-to-one help in all of your money issues.

No matter what the circumstances our group of advisors will be able to offer concrete advice and 'hands-on' help.

IMPORTANT NOTES:
1. ​No specific advice can be given or implied.  
2. James and 469BCe.COM are not authorised or approved for the direct selling of any financial products and/or services.
3. All of my services are free. I can, by your request, introduce you to professionals in the financial services industry and may at that point be paid an 'introducer fee'.

However general information regarding the basics of business and personal financial planning is just an email away.

It's important to stress the difference between the principles involved in good financial planning that we offer our members and the sales of financial products, instruments or services of which we have no direct involvement.
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