The Benefits of Using an Independent Financial Adviser
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Asset allocation<br />
Over m<strong>an</strong>y years considerable research has been undertaken into the best way <strong>of</strong> constructing<br />
portfolios <strong>an</strong>d generating returns within given risk parameters; time after time the results from<br />
the research show that asset allocation is the key determin<strong>an</strong>t <strong>of</strong> future returns. <strong>The</strong> asset<br />
allocation decision is the key influencer.<br />
An <strong>Independent</strong> Fin<strong>an</strong>cial <strong>Adviser</strong> c<strong>an</strong> construct <strong>an</strong> asset allocation approach without <strong>an</strong>y<br />
restrictions. As this is generally considered the most import<strong>an</strong>t part <strong>of</strong> the process then it is<br />
crucial for investors to know that they c<strong>an</strong> have the right asset allocation for their<br />
circumst<strong>an</strong>ces; they should not be forced into <strong>an</strong> asset allocation model which is determined by<br />
their adviser’s restricted available solutions.<br />
Specialised Areas<br />
<strong>The</strong> most import<strong>an</strong>t element is to have all avenues open for consideration.<br />
Another example is in the area <strong>of</strong> tax pl<strong>an</strong>ning: where individuals are looking to put in place<br />
provision against Inherit<strong>an</strong>ce Tax (IHT). <strong>The</strong>re are m<strong>an</strong>y possible ways <strong>of</strong> pl<strong>an</strong>ning to mitigate<br />
IHT which c<strong>an</strong> include, for example, the use <strong>of</strong> allow<strong>an</strong>ces, trusts <strong>an</strong>d IHT exempt investments,<br />
such as <strong>an</strong> Enterprise Investment Scheme (EIS). Some restricted advisers will not have access to<br />
EIS investments, blocking <strong>of</strong>f one <strong>of</strong> the better options available.<br />
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