As we are privately owned and operate independently of any bank or other financial institution we are able to be completely unbiased in our recommendations and advice. We believe that the model for financial advice which is being used in the UK at the moment is the most robust in the world and ultimately in the best interests of our clients which is why we have adopted the main elements of this into how we operate in Spain. Contrast this to the "free for all" that used to exist in Spain and you will understand the importance of an independent, robust, well structured and regulated advice model to you as our clients.
Essentially wealth management is a combination of a number of financial elements mixed with personal / business relationships designed to ensure that you can build wealth efficiently, protect that wealth, use it to generate an income later in life and ultimately to pass it on to future generations. Good wealth management will combine:
Our qualified Independent Financial Advisers are well versed in all aspects of wealth management and have access to the Legal, Tax and Fund Management professionals needed to ensure you receive sound advice.
All too often our clients tell us that their past experience of some of the advisory firms in Spain has been unprofessional with the after sales service being poor or non-existent despite the fact that an ongoing commission is being taken from their funds for this very purpose. Again looking at the UK model for advice this has been under the scutiny of the regulator. Since 2012 service given has to be commensurate with charges. We firmly believe that this will come to Spain over the next few years and we have always operated with clear and transparent charges and dislcose what service you can expect to receive for your money.
We actually enjoy what we do and this comes across in how we deal with you, we like our clients to refer us to their friends and colleagues because of the service we provide and understand that we need to deliver.
Have you long since forgotten the reason you took advice?, or perhaps the time has just flown by and you have not reviewed your investments to check if they still work for you. If you are thinking any of the following perhaps it is time for a review:
If any or all of the above apply to you or someone you know get in touch with our Independent Financial Advisers in Mallorca who will be happy to carry out a structured review of your current investments to analyse charges and their impact on the performance of your money. Any investments sold more than 2-3 years ago may have had significant "hidden" charges or a proportion of the investment placed in more "esoteric" funds with the specific purpose of generating additional "hidden commission" for the adviser.