Shawclough & Healey August 2022

ADVERTISING FEATURE
Andy Collins ealth anagement imited
August… September
already! Where did the
time go?
nation soaring Rising energy
bills Supply disruption Stock
markets more volatile Central
anks tightening the money
supply nterest rates will continue to rise until
ination reduces.
One thing is certain, there will always be change.
Conict in urope has increased ination it was rising
last September and has only been made worse by
recent events.
So how do you decide when or where to
invest for value - and timing the market.
m a firm believer that its N N the market
but time N the market.
heres little value in sitting in cash alone interest
rates provide little or no return and much less than
ination thereby guaranteeing a value loss. reviously
considered secure fied interest stocks 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 uality
stocks sees us through difficult times. f course
funds should always be held on deposit a minimum
of two years income as a guide allowing access to
funds without having to disturb a portfolio or take
funds when it might not be the best time. he correct
weighting is specific to individuals or couple and
when we discuss your attitude to risk the balance can
be decided. meet regularly with clients to rebalance
a portfolio because hings change but focusing on
the outcome reuired creates a clear strategy.
help clients understand how important money is to
them personally and repeatedly come back to that
purpose as a centre for the advice. his transforms
the relationship as we understand the central
reason providing the goal. Fleible planning is about
nderstanding and rust. hen we have clarity
the solutions are merely vehicles to get to the goal.
So do you have a plan y clients have eible ta
efficient individual solutions as they are all different
at different life stages hold different views and hings
will change e create a bespoke plan together
Just ASK!
I help individuals, business owners and
Directors make better financial decisions.
cant change the events that shape your future
however can ensure that youre prepared with a
bespoke plan and your resources are employed
focused on desired oals.
As part of my understanding you as an individual or a
business review eisting 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 dont have a plan or just wish to check that
what you have in place is working with you towards
your oal then Just ASK!
Andy is widely regarded as a Financial Services
business leader with a demonstrated history of
success at board level. is thirty plus years of
Financial services eperience has enabled him to
draw on a wealth of knowledge and skills.
uring that time he has held ead of sales irector
and Senior management roles with some of the s
leading institutions.
I am locally based and offer planning in
the following areas:
reparing for retirement and inretirement advice
nvestment planning
ension planning
rotection for you and your family
nheritance ta and ntergenerational planning
nvestment planning for childrengrandchildren
rotection for selfemployed company directors
and key people
Aspects of ta efficient business eit strategies.
he value of an investment with St. amess lace
will be directly linked to the performance of the funds
you select and the value can therefore go down as
well as up. ou may get back less than you invested.
he levels and bases of taation and reliefs from
taation can change at any time. he value of any
ta relief is dependent on individual circumstances.
To book an appointment contact me
directly with confidence and no obligation
on 07831 686716 or 01706 620613.
Meetings can be arranged face to face or
virtually using Microsoft Teams or Zoom
to maintain social distancing.
Please visit my website for more
information www.andypcollinswm.co.uk
St. amess lace guarantees the suitability of the advice
given by members of the St. amess lace artnership
when recommending any of the wealth management
products and services available from companies in the
roup more details of which are set out on the roups
website at www.sjp.co.ukproducts.
30 To advertise call 07976 289967 or 07974 434793 or email sales@streetwisemag.co.uk