Hopwood & Heywood March 2022

ADVERTISING FEATURE
Andy P Collins Wealth Management Limited
March already!
Where did the time go?
Inflation – Rising energy bills –
Stock markets more volatile – US
Fed tightening the money supply
and raising interest rates – Bank
of England likewise – China still
easing the money supply – Potential conflict in Europe.
One thing is certain, there will always be change.
So how do you decide where to invest
for value, and how to time the market.
I’m a firm believer that it’s NOT – TIMING the market
– but time IN the market.
There’s little value in sitting in cash alone, interest
rates, provide little or no return and much less than
inflation, thereby guaranteeing a value loss. Fixed
interest stocks, well they correlate to interest rate
movements, so a rise in interest rates generally sees a
fall in capital values. A well-structured, geographically
diverse portfolio of quality stocks that can withstand
economic market movements and produce dividends,
generally sees us through difficult times. Of course,
funds should always be held on deposit too, a
minimum of two years income as a guide, this allows
access to funds without having to disturb a portfolio or
take funds when it might not be the best time.
The correct weighting is specific to each individual, or
couple, and when we discuss your attitude to risk, the
balance can be decided. We will meet regularly to rebalance
a portfolio because “Things change”, but the
overall concept will be clear with a strategy to achieve
an outcome.
I help clients understand how important the reason
their money is important to them personally, and
repeatedly come back to that purpose as a centre for
the advice. This transforms the relationship, as we
understand the central reason that provides the goal.
Planning is about Understanding and Trust. When we
have clarity, the products are merely vehicles to get to
the goal. That’s why my clients rarely have the same
solutions, as they are all different, at different life
stages and hold different views and comfort zones –
we work a bespoke plan out together – Just ASK!
I help individuals, business owners and
Directors make better financial decisions
I can’t change the events that shape your future,
however, I can ensure that you’re prepared with a
bespoke plan, and your resources are employed
focused on desired Goals.
As part of my understanding you as an individual or a
business, I review existing plans to check if they are
fit for purpose, and your current wealth is protected,
should any changes not be one you had planned.
So, if you don’t have a plan or just wish to check that
what you have in place is working with you towards
your Goal, then – Just ASK!
Andy is widely regarded as a Financial Services
business leader with a demonstrated history of
success at board level. His thirty plus years of
Financial services experience has enabled him to
draw on a wealth of knowledge and skills.
During that time, he has held Head of sales, Director
and Senior management roles with some of the
UK’s leading institutions.
I am locally based and offer planning in
the following areas:
• Preparing for retirement and in-retirement advice
• Investment planning
• Pension planning
• Protection for you and your family
• Inheritance tax and Inter-generational planning
• Investment planning for children/grandchildren
• Protection for self-employed, company directors
and key people
• Aspects of tax efficient business exit strategies.
The value of an investment with St. James’s Place
will be directly linked to the performance of the funds
you select and the value can therefore go down as
well as up. You may get back less than you invested.
Equities do not provide the security of capital which
is characteristic of a deposit with a bank or building
society.
The levels and bases of taxation, and reliefs from
taxation, can change at any time. The value of any tax
relief is dependent on individual circumstances.
To book an appointment contact me
directly with confidence and no obligation
on 07831 686716 or 01706 620613.
Please visit my website for more
information www.andypcollinswm.co.uk
St. James’s Place guarantees the suitability of the advice
given by members of the St. James’s Place Partnership
when recommending any of the wealth management
products and services available from companies in the
Group, more details of which are set out on the Group’s
website at www.sjp.co.uk/products.
18 To advertise call 07976 289967 or 07974 434793 or email sales@streetwisemag.co.uk