Rather than a “one size fits all” approach, we tailor solutions to your specific situation and aspirations. We’d rather work with a small number of clients ensuring we are always available to provide expert support as a result of our deep understanding of your needs.
Whilst we leverage technological solutions, we are not robo-advisors. We prefer dealing with humans and want to develop a deeper understand of people we work with.
We keep fees low so that you fully benefit from the performance of our recommended investment portfolios. Our fee structures are transparent and designed to ensuring the best outcome for you and your family.
We are committed to your financial success and won’t pass you to another wealth manager just because we’ve hit our sales targets or moved on to another organisation.
Transparent Process
We believe that in financial planning you should plan first and invest later.
We spend our initial meetings understanding what motivates you and how you measure success.
These initial meetings are free, giving you enough time to decide whether we are the right team to work with.
Fee Flexibility
If you don’t like the service we offer, you can remove us as your wealth managers and take your assets elsewhere.
We are not precious and will help you with this process should you decide to end your relationship with us.
Our fee structures incentivise us to always treat your assets with the respect they deserve.
Transparent Fees
No fees are charged for our initial meetings. Should you decide to explore our services further, you remain in control of any fees.
Our cash flow planning services are charged on a one-off basis which we will quote to you in advance in writing, giving you the space to decide whether to proceed.
Our investment services are paid for on an ongoing basis. These fees can either be taken directly from the investment itself or paid separately by you.
Any fees will be clearly laid out in writing and completely transparent. You will always be in control.
What We Don’t Do!
We don’t charge a commission for selling you a product.
We don’t take fees from the underlying investments we recommend to you.
We don’t make any money from trading. This means (unlike many other companies) we are not incentivised for moving your money from place to place. Our processes incentivise stability and prudence.
This processes provides assurance that we are working on your behalf, with the confidence that if we invest your money somewhere, it’s because we believe it is right for you!
Responsible Investing
42 Wealth Management believes in the power and the responsibility of the investment markets in the transition to a more sustainable economy.
As part of our values-driven approach we will discuss your views on what defines responsible investing and will try to align to these values. If your values conflict with ours we will explain this to you.
Financial Empowerment
There are two ways that our relationship with money can impact our mental health. Firstly, and most obviously many people find money stressful. This could be either due to the responsibility of looking after it, being responsible for the financial security of children, elderly relatives or someone vulnerable. It could also be the sense of not having enough money or the complexity and confusion involved with investing.