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Local Savings & Investment Advisers

How Do We Choose What You Invest In?

Being part of Quilter Financial Planning means we have access to the latest industry expertise that covers the performance of every fund and portfolio in detail. The funds and portfolios your Beals adviser will recommend go through a thorough vetting process and are continuously monitored on an ongoing basis.

Investment Research

We conduct in-depth research on the funds and portfolios to ensure every fund and portfolio can meet customer needs.

Ongoing Monitoring

We monitor the funds and portfolios on an ongoing basis, with the help of independent experts, to answer the questions below.

Oversight & Governance

We have robust governance processes and structures in place to ensure good outcomes and fair treatment for you.

Our technical experts review every fund and portfolio against the below nine questions, so you don’t have to:

1

Is it a diversified multi-asset portfolio?

2

Is it risk-targeted, or does it have very stable risk levels?

3

Is it professionally managed?

4

Does it have a clear investment objective

5

Are we happy the management style does not excessively favour growth or value?

6

Is it priced daily?

7

Are we happy with the liquidity of the underlying holdings?

8

Is it transparent?

9

Can we confirm there are no governance risks?

Only portfolios which can answer ‘yes’ to all the questions above make the grade.

Your financial adviser will support you and give tailored advice to suit your personal circumstances.

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The Real Value of Financial Advice

" Most unadvised customers would experience better financial outcomes if they followed professional financial advice."

Source: Adviser Delta, a Quilter research paper on the importance of advice, June 2019.

Please note, this research was originally conducted in 2016. The figures quoted are likely to have changed over time and should not be used as advice. It is intended for illustrative purposes only.

Consider this example:

Average retirement income without financial advice £17,168.

Average retirement income with financial advice £24,175. This is 40% higher (£7,007) than without financial advice.
Over a 21-year retirement, this means having an extra £147,147.

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

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Local Savings & Investment Advice

How We Can Help

Your financial adviser will work closely with you to understand your personal situation and identify your purpose.
They will also help you by:

Assessing what level of risk you are comfortable in taking

They will evaluate your comfort level with investment risk and your capacity for loss:

What is your investment experience and knowledge?

How comfortable are you with the risks of investing?

What level of risk do you need to take?

Determining your financial objectives

They will establish your hopes, aspirations, and concerns to tailor a plan that meets your needs:

What would you like to achieve?

When would you like to achieve it by?

What would you like to avoid along the way?

Evaluating your financial situation

They will consider how to invest to achieve your goals:

Are your assets held in the most appropriate name?

Do each of your assets have the right ownership, such as named beneficiaries?

Are each of your assets held in the right tax wrapper, such as ISAs and pensions?

Choosing the right investment solution

They will select the most suitable financial product for your needs:

Do your investments have the right level of return expectations?

Is the level of investment risk appropriate and in line with what you have agreed?

Can your investments be released if you need them to be?

Providing ongoing support

They will ensure that your investments continue to align with your goals in the future:

Consider any changes to your purpose, goals, or personal circumstances.

Check if any personal changes in income or capital values impact your current savings or tax situation.

Explain how any changes impact you in terms of welfare or income, capital, or inheritance tax changes

Your financial adviser will support you and give tailored advice to suit your personal circumstances.

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Why choose Beals Financial Advisers?

Working with our financial advisers offers trusted expertise, personalised guidance, and tailored strategies to achieve your financial goals:

We take a comprehensive view of your financial situation, considering factors such as insurance, mortgages, retirement, savings and investments, estate planning, and cash flow management.

We can provide strategies to minimise tax liabilities, ensuring you keep more of your money.

We can help you develop and manage an investment portfolio that aligns with your financial objectives and risk profile.

We have access to a wide range of financial products and tools that may not be available to individual investors.

SPEAK TO AN ADVISER

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Book Your Free Consultation with a Local Financial Adviser Near You

We offer complimentary consultations with a local financial adviser, including a free review of your pensions and investments, along with our expert recommendations. It's free, no-obligation, no pressure. Fees only apply if you choose to proceed with our advisers recommendations, we will make you aware of any associated costs from the start.

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