At Gingko Independent, we think differently to your typical Independent Financial Advisers.
In helping you to achieve your personal and financial objectives we believe in the following core principles:
1. Providing Value
This means our objective is to maximise NET returns for you at a cost that’s fair, by focusing on ‘value’ rather than ‘cost’. We believe that by implementing our recommended investment strategy and ongoing advice, as a combination, we can improve the potential of maximising NET returns after all costs are taken account of (fund charges, product charges and ongoing investment advice charges) in line with your personal Risk Profile. Increased levels of research, management and ongoing investment review processes can be reflected in sometimes higher underlying costs for certain individual funds, products, ongoing expertise etc – however higher costs are only justified if higher NET returns are achieved when compared to regular benchmarking against alternative peer multi-asset portfolios / funds that could have been chosen. As part of our centralised investment process we carry out detailed due diligence to identify active managers that are delivering Alpha (out performance) and blend with passive options which keeps costs low, meaning you can benefit from the best of both worlds when looking to obtain the greatest value from your investment portfolio. We believe that your overall wealth position should significantly increase by being a client of Gingko Independent, with you earning more by working with us compared to what you could achieve if you were to: a) manage your own wealth without advice; or b) use online robo-adviser platforms, which provide financial advice or investment management online with moderate to minimal human intervention. We can show the added value of investing with us as we can compare our recommended Model Portfolios to the historical performance of popular robo-adviser platforms for similar levels of risk. It must be noted that past performance is no guarantee of future performance.
2. Long Term Relationships
We want to grow with you. To do so, you must be happy working with us and us with you. As your ‘trusted advisers’ we have your back – this means being honest with you and always telling you what you need to hear and not necessarily what you want to hear. By fully understanding and regularly reviewing your personal situation and the financial advice we are providing you with, we are able to give you great ideas to help you increase your wealth in line with your personal objectives as they, and the world around us, change over time. By having a clear plan of action we will implement the financial advice we give you to both build and protect your wealth over the long term.
3. Financial Education
Things change. Your life and therefore your personal objectives will change over time. The world we live in will change over time – we will all be affected by changes in politics, tax laws, technological advances, the investment landscape and so on. Similarly, financial products, vehicles and tax planning, along with the value they provide, will change over time. We believe that the most effective way to help you build your net wealth is to first of all help you put in place the right habits and behaviours to ensure you are managing your money well, with a view to then investing the right amounts of money, in the right places, at the right times, in line with your personal objectives. Therefore, we feel financial education is an imperative part of this process, as when it comes to your money we want you to understand what you’re doing and why you’re doing it. By doing so, we believe you will value the process and will continue to strengthen your good money management habits and behaviours. We will provide you with the guidance and bespoke wealth creation strategies to help you meet your needs and objectives.
Taxation Advice, Will writing and Trust Planning are not regulated by the Financial Conduct Authority.
4. Being Human
You could call us ‘do gooders’.. and we’re fine with that. Our belief is that by helping others we are helping to create a ripple effect which affects the lives of people in a positive way. We will treat you like a person, not a number. We want to help you and feel the best way to do so it to fully understand who you are and where you want to get to. No client is too big or too small for us. We believe the overall principles of good financial management apply to everyone, to be able to save as much as possible and to be able to make as much as possible, to be able to be as tax efficient as possible to enable you to live the life you want and deserve. The significant differences regarding how we construct your bespoke financial plan, compared to our other clients, will be down to your personal current financial position, what your personal objectives are and your attitude to risk. Once we have determined this we will implement the best financial products and vehicles to meet your overall bespoke financial plan, then together with you we will review this plan on a regular basis to continually ensure your needs and objectives are met over time.
The value of units can fall as well as rise, and you may not get back all of your original investment.
5. Independence
We are fiercely independent. You pay us to have your back, to care for and to look after your money as if it were our own. How could we do this if we didn’t have the choice of being able to access the whole of the market for available investments, protection and tax planning vehicles and products? If we don’t have the means to access the available data to support our specific recommendations then how could we help you make the most informed financial decisions? The answer to these questions is that unless we were able to provide independent, unbiased advice, we couldn’t hand on heart say that we were managing your money in the best way possible. This is the reason why we will always be Independent Financial Advisers – providing unbiased advice with access to the whole of the market, investing in the best in class available technology and committed to the development of our skills. By doing so, we ensure that we can provide you with the best service possible – to care for and to look after your money as if it were our own.