2+2=4. Or does it?

Got some money to invest? You could go it alone and make your own investment decisions. So why should you pay a financial planner? What do you get for your money? This article explains the value we add.

Money money money

First, and most importantly, our advice means that you will get better results than you would by yourself. This is not an empty claim. The framework we use is found to add around 3%* in net returns compared with investment without professional advice. Note that this is an average achieved over time; it doesn’t apply every year, nor to every investor.

3 per cent

Keep calm… and wait

Our job is to reduce your investment costs and taxes while generating optimum return for you. However, please don’t measure us by the results we achieve in the short term compared with the fee you pay. Our investment plans are best measured over the long term, including all the peaks and troughs where there are greater opportunities to make massive change. Also, you can’t compare what would have happened if you abandon the plan halfway through.

Experts add value – and we are experts

You might choose to work with a financial planner because you just don’t have the time, willingness or ability to handle your financial matters confidently. Maybe you feel overwhelmed by the choice of products that are out there. Instead of struggling through the learning curve, maybe you would prefer to spend your time doing something else. For those people, we provide peace of mind that is impossible to quantify.

We’re better together

Choosing a financial planner is a financial and emotional commitment. You put your trust in us. We know that trust is fragile, and we have to deserve it.

That’s why we treat each client as a person, not a portfolio. We begin the relationship with a financial plan that covers your goals, feelings about risk, family and charitable interests. In turn, we explain what you can expect from us, including benefits such as these regular Insights articles posted on our website and sent to you via email.

We hope you can now see why, with Plan 100, 2+2=5 (or even more).

P.S. Here’s the disclaimer we have to add: The value of investments, and the income from them, may fall or rise and investors may get back less than they invested.

*Source: Vanguard Adviser Alpha analysis




Lance Baron

Certified Financial Planner (CFP) based in East Sussex, UK. We support people in Southeast England with more than £500K to invest by building a financial plan that will help them live the life they want… until age 100