FAQs

1. What does it mean to be an independent financial adviser?
   It basically means that we can offer our clients an unbiased or untainted recommendation, form the whole of the market
   
   
2. How do Affinity All Saints earn their money?
   Be if Fee’s, Commision or Retainers, full disclosure would be given following your initial meeting.
   
   
3. What updates do I get on my financial arrangements?
   Every year you will receive a complete statement and fund report from the companies we are using. Currently we are in the process of launching an interactive service via our new website which will allow clients to receive valuations.
   
   
4. When should I consult with a financial adviser?
   The important thing is to start., don’t delay, although you seek financial advice, the final disssion to proceed is yours.
   
   
5. What happens in my retirement?
   With proper planning, retirement life can be comfortable and enjoyable. The retirement process is different for each individual, and decisions on strategies should be tailored to each specific situation. The first thought of retirement is the time for discussion with your financial adviser.
   
   
6. With so many investment choices available, how do I choose which investments to take?
   Focus and definition of purpose are important. Goals must be defined and focused; that is, time frames and amounts must be established in order to achieve the financial goals of the individual. With nothing at which to aim, a miss is likely. Tolerance of risk must be firmly identified. Investors are quite happy to take unnecessary risks when the market turns, sometimes the risk taken far exceeds an understanding of the risks involved. Shifting through the myriad of investment choices becomes somewhat easier when an investor understands the purposes and risk of the investment. By focusing goals, many investment choices can be eliminated based on the risk factors and investment objectives. A financial adviser can help investors focus on goals and highlight the risks involved.
   
   
7. Should all assets be jointly titled?
   Assets maybe titled in one name only for specific reasons such as disability, incapacitation, anticipation of incapacitation, inherited money, previous marriage, large estate, and so forth. A professional should be consulted on the proper tilting of assets based on each individual situation.
   
   
8. If something were to happen to my spouse am I sufficiently protected?
   This questions can only be answered after a careful analysis of a financial situation. Will a reduction of living standards be necessary for the surviving spouse? It is important to provide for college education's for the children? the amount of insurance, assets and income are all factors in this analysis as well as the age of the spouse and dependents.