4 Financial Planning

We need to help the poorest in society. Today’s budget does little to help anyone on minimum wages where 50% of their income is being spent on heating and food.

Why do I love this testimonial from Rin Hamburgh so much? Because she mentions how much I give a s**t about my clients and it’s true! I don’t sleep at night so they can.

No one should be paying 2.3% in this day and age.

Improved technology has platforms charging as little as 0.15%.

Low cost managed portfolio services offering passive investments at less that 0.25%

Even with fixed fee financial advice you should be aiming for sub 1% on a modestly sized portfolio. If you’re paying more, your adviser will be retiring long before you do.

St James’s Place — the advice firm cutting costs, but not for you St James’s Place claims to be reducing fees. Not that many customers will have noticed, writes Ali Hussain

It’s true

More FANTASTIC feedback from Hawke member Ian Else, Founder of 4 Financial Planning.

⭐️⭐️⭐️⭐️⭐️

Thank you so much for taking the time to write this Ian, it's always a pleasure to see you every week!

It’s going to be a good one.

Who's presenting this week? 🧐

On Friday 17th we'll be hearing from Ian Else of 4 Financial Planning.

- 4 Financial Planning provide dependable advice, delivered by humans, driven by technology.

By working with Ian, instead of any old fashioned adviser, you could save enough in fees to retire a couple of years earlier -

We're looking forward to it Ian!! 💪💪

I founded 4 Financial Planning on the 2nd January 2020. I was adamant I’d never have an office and that it was an unnecessary expense. Just over 2 years later we moved into our first office. I had never appreciated the importance of having a division between work and home life. It feels great to have some structure and a kitchen which only has milk and tea!. The view isn’t bad either.

A really lovely testomonial from Nick Smith at Blackstar Solutions Ltd

If you're a business owner, what would you do if something happened to one of the directors or key employees? Life assurance is more affordable than you might think. If you like to discuss your own needs you can schedule a meeting using this link https://calendly.com/ian4fp/discovery-meeting

I was asked about ethical investing at a recent event. I thought I'd write a little blog explaining the do's and don'ts

Investing Ethically - 4 Financial Planning - Independent Financial Adviser Have you ever wondered how you can invest your pension for the good of the planet? This guide to investing ethically explains how.