Investment Advice from Black Lion Wealth
Black Lion Wealth offers tailored financial planning and investment advice to all, regardless of age, circumstances or status.
No one said that investing is easy. Obviously, it isn’t easy. You need to know what you’re doing. Finally, the solution is here. If you’re considering the best means to secure lock-down on your financial future, or as near to it as possible based on your attitude to risk, we believe that we have the expertise and the experience you need.
Our goal is simple: with our investment advice, we want to help you reach your financial and life goals, whatever they may be.
We support hard-working people like you who wish to make provision for their yet-to-come years but who may not know where to start. Well, let us help. Literally, we know about investments so that you don’t have to.
Investment advice. Let’s set some goals to make memories.
What are your hopes and dreams? Whether you’ve set your heart on some bucket list destinations, helping your offspring to buy their first home, or even retiring early, you hardly need us to tell you that you’ll need some funds to do this.
Perhaps you’d like to move abroad to enjoy sunnier climes in your golden years. Or, simply be able to afford that eye-wateringly expensive property deposit on your first dream home.
Well, none of these things are particularly affordable either.
Taking tailor-made investment advice from Black Lion Wealth could mean having the perfect plan in place to help you achieve your life goals. Customised entirely to suit your circumstances, our aim is to support you and your family now, as well as in the future.
Investing. What does it mean?
Simply defined, investing is a way to put aside funds now so that you will have money to spend in the years to come.
Although there are and can never be any guarantees, the objective is to benefit from a good return on the funds invested.
Investments may involve planning your retirement fund, or for a specific goal or purpose. A speedboat on the Med? Yes, that sort of thing – but more likely something more prosaic (but equally lovely), such as the cash purchase of a holiday home or even the means to fund a new hobby. Anyone for tennis? Or golf?
The benefits of financial advice from Black Lion Wealth
If you’re looking to invest, we know how complicated and time-consuming it can be to take care of your own financial health. Without advice, you may simply not be completely sure that you’ve bought the right product or plan. Why? Because it’s possible that you haven’t considered everything you need to.
You’re human, you’re not a financial super hero.
For example, do you have a clear goal? What’s your accurate financial position? What other investment products to you have? Do you have debts?
Ultimately, not knowing the full picture and not applying it to your investment strategy could end up costing you dear.
Numerous studies have shown that individuals who take regular financial advice end up in a stronger financial position from those who don’t. In a world of financial products, who can help you?
We have the solution. Black Lion Wealth offers outstanding investment advice to help you make the best of your choices. All in all, we believe that we can add considerable value. How? Because we’re fully qualified, highly regulated investment experts.
Moreover, we may be able to negotiate fees with the product providers.
(Incidentally, in case you were wondering, Black Lion Wealth offers total transparency regarding our advice fees, which will be discussed and agreed with you up front)
Here’s how we can help:
Understanding your needs
A member of the Black Lion Wealth team will take you through an in-depth fact find. This will uncover everything we need to know in order to offer you the most appropriate advice. Areas may include your motivation for investing, whether you have any other assets (such as small pension pots from previous jobs) and the length of time you wish to invest.
We’ll also confirm your tax position, and the financial means at your disposal. Essentially, it’s all about your priorities.
Importantly, we’ll establish your attitude to risk.
It’s Never Too Early – Or Too Late – To Start
If you’re wondering, the best time to talk to an investment expert about your present situation, your future plans and your goals was yesterday. The next-best time to talk to an investment expert about all of this is today. It doesn’t matter how young or old you are, as putting your money to work for you is something that’s always going to be a positive.
Below we’re going to take a look at both situations that people believe they are in with regards to speaking to an investment expert in hopes that you’ll realize that now is the time to get moving on your future, as it’s going to be here before long regardless.
I’m Too Young For This
If you’re fresh out of school and just getting started in life, it’s likely that the very last thing on your mind is retirement. You have an entire life to live between now and then, so there’s no reason to clutter your thoughts with something that’s decades away, right? Wrong! Now is perhaps the absolute best time to talk to an investment expert, as the money you put away now will potentially grow for decades before you enjoy it.
I Don’t Make Enough Money
While we often hear this explanation when we’re talking to younger people, in reality it doesn’t matter how much money you’re making these days, regardless of age. Any investment expert will tell you that every little bit counts, even if each deposit seems very small. We can help you understand how even 10 percent of your income can grow over time so that you start thinking about your investments instead of that extra night at the pub or something else on which that amount is spent and then gone forever.
I’m Too Old For This
It’s possible that you’re one of many people who have reached middle age and you don’t really have anything saved for your retirement. Not only is that a difficult situation in which to find yourself, but it often leads to a vicious circle because you’re also embarrassed to talk to anyone about it, much less an investment expert. All we can tell you is that we’ve heard this many times before, and almost without exception, starting on an investment approach late is better than never doing it in the first place. You owe it to yourself to at least understand what options are available to you before giving up.
The importance of risk
Understanding risk is essential to the success of any medium to long-term investment plan. You may not even have considered it, but we all have different attitudes to risk and how you feel about it will underpin just about everything.
Ask yourself: How much risk am I prepared to take with my retirement savings?
Investment returns are not guaranteed. Any investment strategy you make carries with it the potential for loss. You may have rejected the idea of bank savings due to low returns. However, this option is ideal for the risk-averse, or for those with a more conservative view.
However, if you feel comfortable with a higher capacity for loss, the yields could be higher, too. Perhaps, in your view, the words “risk” and “opportunity” are interchangeable.
In a nutshell, if you are prepared to take investment risks, you could reap higher rewards – or unfortunately, make substantial losses. Should you be of a more cautious disposition, yields could be lower, yet more consistent.
The value of Investments is not guaranteed and can fall as well as rise and you may not retain the amount you originally invested.
If you drawdown too much Income or your investments underperform, you run the risk of running out of funds.
The Financial Conduct Authority do not regulate inheritance tax planning and trusts.
Both Black Lion Insurance & Black Lion Wealth are Trading Styles of PRG Protect Ltd
Investment advice to help you decide
To start, a member of the Black Lion Wealth team will carefully take you through a series of questions to establish your attitude to risk.
Basically, this is your starting point. Why? Because this will enable us to discuss the best risk category for your assessment. Then, we may recommend that you diversify in your chosen range of products and plans. Essentially, this spreads the risk and reduces potential losses overall. Your investment portfolio could include the following:
Equities, or shares, are a key part of an investment portfolio. Generally considered to be higher risk, they can offer long-term opportunities for the growth of both capital and dividend income.
Cash savings products
Lower risk but also with a lower return, cash ISAs or fixed rate savings bonds are relatively easy to understand and a popular option for the risk-averse.
Hedge funds can deliver good returns. They are higher up the risk scale and are designed to capture market increases whilst offering protection against capital loss.
Generally high risk but a good part of a diversified portfolio.
Ask us about pensions advice. We specialise in helping you with the right pension products for your lifestyle and circumstances.
Why speak to us – Our client charter?
- We love what we do, and more importantly, we are qualified to do it – we aim to provide a fully comprehensive service to all our clients.
- We are confident that we will deliver a high-quality service that will be amongst the best in the financial services industry
- We continually strive to improve our personal development
- We follow the principles of treating customers fairly set out by the Financial Conduct Authority
- We treat our clients as we would like to be treated.
Regardless of where you are in life, where you want to go or what your prospects are, you need to make sure that you’re doing everything possible to maximize the value of the money you work hard to earn. Talking to an investment expert is often an eye-opening experience for people who haven’t done so before. We encourage you to reach out to us as soon as possible to find out what we can do to help you. We wish you the best on your financial future, and we hope to be a part of it.
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We are a dedicated team of financial advisers, with years of experience in guiding our clients to a solution that meets their specific needs. We specialise in helping both employed and self employed individuals, as well as business owners on a variety of solutions, which range from life insurance, income protection insurance, keyman insurance and shareholder protection insurance.
The guidance and/or information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK