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Second opinion

March 14, 2019

Most of us at one time or another will find comfort in seeking a second opinion with regard to important issues and decisions.

That thought brought home to me that seeking a second opinion is what a lot of people should do before they consider putting their life savings or all their pensions and investments monies into any type of unregulated fund which has no track record and where the financial adviser cannot back up any of the recommendations he is making.

Wouldn’t you agree a lot of people come away from a financial planning meeting with their financial advisers thinking, I wish I had asked that question or I really wanted to know about that but found it difficult to ask at the time?

Shouldn’t you be concerned if your pensions and investments continually underperformed and yet your financial adviser never offered you the opportunity of an explanation or even carried out a regular financial planning review?

Shouldn’t you seek an alternative investment management opinion if you are not comfortable with the terms and the costs and charges of the investment that is being recommended to you?

So here we can announce a new service we are offering throughout Spain, the opportunity to have, without obligation, a meeting with one of our expert financial advisers to provide you with a second opinion about the pensions and investments product you have been recommended or have previously purchased.

Perhaps you are happy with the product you purchased but now need some proper investment management advice because your financial adviser has for whatever reason been unable to follow up after the initial sale was made or perhaps you have lost contact with the person who originally sold the product to you; perhaps he or his firm are no longer trading and you need someone to turn to, to ensure you are on the right track.

Or perhaps you have self- managed your pensions and investments for some time now and have decided that this is all a little too much and although you would still like to have some involvement in decisions you would rather leave it to professionals to look after your investment management portfolio.

Perhaps you are unsure about the trust arrangement you were recommended or that offshore company or other expensive solution or on reflection you just didn’t like the way your bank tried to persuade you into buying a portfolio predominantly consisting of their own funds whilst purporting to be offering you best in class investment products.

Maybe there is a more competitive option and that you really don’t have to pay for an unnecessary layer of charges within your QROPS or QNUPS retirement planning scheme, by investing through a tax wrapper. Would you like to find out?

There are countless reasons why taking a second opinion about your financial planning from a professional firm such as ourselves might make all the difference to your financial future. There is nothing to lose but an hour or so of your time and a second opinion might make all the difference to your future prosperity.

To arrange your second opinion appointment with a financial planner call 900 102 374 or email enquiries@fiduciarywealth.gi.

Fiduciary Wealth, the leading provider of tax planning and wealth management advice to expatriates in Spain. Call 900 102 374 or visit our website www.fiduciarywealth.gi to see the full range of services we offer.