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Retirement - do I need an IFA?

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Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    Dont put yourself down Quent

    You run the risk of getting tarred with your rogue colleague by your comment, and by thanking his post.

    Why not attempt to preserve your professional image by pressing the spam button on his post (and removing your "thank you" to him).

    You might get a little more respect and credence!

    Or can't you see the cynicism in the rulebreaking of these rogue IFAs and the threads they choose to pop up in?
  • My view is that for the bulk individuals, "at retirement advice" is extremely poor. Advisors don't want to explore all the options for 1.3% of a £30k savings pot. You may be better off if vaguely competent looking at the options through a decent non advised sales route.

    Especially, post RDR, true unrestricted advice will be only for the High Net Worth customers.
  • feesarefare
    feesarefare Posts: 348 Forumite
    edited 26 October 2010 at 4:01PM
    dunstonh wrote: »
    yes

    which one? why did you go to the trouble of getting the software, paying for the licences and doing all the training then stop using it?
    Not strange at all. I have never come across anyone that has really found cashflow planning of any use

    Are you serious?
    You look back on old ones prepared and they rarely reflect what really happened.

    But if you havent used them how do have experience of "looking back" - Anyway lifetime cashflows are about looking forward not looking back.
    Decent shortfall analysis software can do the same without printing out reams.

    Can you give an example as Ive not found anything thats in the same league as Truth - we dont print reams either
    I know you like using Truth and if it works for you then great. However, its not some magic solution that makes all the alternatives bad
    But you havent offered an alternative

    Who has said its a majic solution- just cant understand why you would say they are overated? like I asked overated by who?
  • feesarefare
    feesarefare Posts: 348 Forumite
    edited 26 October 2010 at 3:51PM
    Or can't you see the cynicism in the rulebreaking of these rogue IFAs and the threads they choose to pop up in?

    Ive had a look at their website and they certainly dont look like rogues. If you are worried about them getting business out of one post just imagine how many enquiries an IFA that posted each and every day for years must get!
  • Quentin
    Quentin Posts: 40,405 Forumite
    Ive had a look at their website and they certainly dont look like rogues. If you are worried about them getting business out of one post just imagine how many enquiries an IFA that posted each an every day for years must get!

    Only the rogues attempt to use these forums for free advertising.

    They are soon found out!
  • jem16
    jem16 Posts: 19,731 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ive had a look at their website and they certainly dont look like rogues.

    Why did they feel the need to post details of their website and to use their business name as a username if they are not here to advertise?
  • jem16 wrote: »
    Why did they feel the need to post details of their website and to use their business name as a username if they are not here to advertise?


    Schools out!

    I agree not very subtle is it. You could drop them an email or even phone them and ask them why, as full contact details are on their website.

    Heres the link if you missed it

    http://www.chatfieldprivateclient.com/contact_us.html
  • jem16
    jem16 Posts: 19,731 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Schools out!

    Are you incapable of answering any of my posts without the usual dig?

    At least I'm finished work for the day - what's your excuse?
    I agree not very subtle is it. You could drop them an email or even phone them and ask them why, as full contact details are on their website.

    Why I would I want to do that when there is a useful spam button on the site?
  • feesarefare
    feesarefare Posts: 348 Forumite
    edited 26 October 2010 at 4:27PM
    Are you incapable of answering any of my posts without the usual dig?

    Hardly - the last time (and probably only time)I mentioned it you saw the funny side - hey ho :o

    At least I'm finished work for the day - what's your excuse?

    Sorry havent got one
    Why I would I want to do that when there is a useful spam button on the site?

    as I thought you had a sense of humour. you used to?
  • Quentin
    Quentin Posts: 40,405 Forumite
    Heres the link if you missed it........

    http://xxxxxxxxx

    So now you join in with the spammers!

    Are you connected with them?
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