Personal Finance & Wealth Management Supplement DBE
Investing with a Dynamic, Innovative Wealth Manager
Citroen Wells - Chartered Accountants
Dream your dreams with open eyes and make them come true
ACCOUNTING SERVICES â€˘Accountancy â€˘ Taxation â€˘ â€˘ Consultancy Services â€˘
T. E. Lawrence
First class service at aďŹ€ordable prices Expert accounting services for chambers and barristers
CALL US NOW ON
020 7304 2000
At Citroen Wells weâ€™re all about taking the pressure oďŹ€â€Ś we believe in providing an unrivalled level of service. So whether youâ€™re a barrister or chambers â€“ weâ€™re here to help. Whatever the ďŹ nancial issue, Citroen Wells has the expertise in:
Tax, PAYE and VAT investigations Accounts and tax return preparation Bookkeeping, VAT return and payroll services Constructive tax and ďŹ nancial planning Accountants reports for commercial litigation, investigations, asset tracing and insolvency
We all have friends and family who have worked hard, been well rewarded and dreamt of retiring in the knowledge that they and their familyâ€™s futures are secure. Often the reality is that they have lost significant amounts due to bad advice from unscrupulous investment salesmen, wealth advisers or investment management companies. The main reasons for this are:
Together we stand, together we fall
1 : The salesmen / wealth advisers / intermediaries are frequently paid large fees by the investment management companies, which makes unbiased advice difficult. The larger the amount invested, the larger the fees received by the investment management company, and often the larger the kickbacks to the intermediaries.
The answer is to choose a company and team that are passionate about managing money. A team that is respected as technical experts and asset allocation strategists, and have a reputation for behaving ethically and always putting investors and clients at the heart of all decision making.
2 : The investment management companies are normally owned by companies directly or indirectly via the stock market. These owners exert significant pressure for short-term results. This pressurises the investment managers to flog as many high fee products to as many unsuspecting, trusting clients as quickly as possible irrespective of the long term consequences for these clients.
Email us using our dedicated Barrister and Chambers e-mail address: email@example.com, visit www.citroenwells.co.uk or call 020 7304 2000 Citroen Wells, Devonshire House, 1 Devonshire Street, London W1W 5DR Ask to speak to David Rodney or David Marks
4 : Investment managers tend to behave like sheep following the herd into the latest fad as well as dealing frenetically to justify their active management fee - even though research shows these hyperactive fund managers cost their clients dearly. The marketing departments focus on pushing the latest fad products rather than the best products for investors.
Value added tax, personal income tax, business income tax, corporation tax and capital gains tax.
SCM Private is a unique passionate investment house who run a contrarian investment style that is modern and innovative. The SCM team believes in managing money efficiently, transparently, actively and at fair costs; with the founding partners personally investing seven figure sums of their own money on exactly the same terms, conditions and costs as clients.
Computerised accountancy systems and company secretarial services.
Initial consultation is free
3 : Few investment managers invest significant amounts of their own capital into the same funds or portfolios they manage for investors. If they did then they would not be so incentivised to gamble as they would know that if they got it wrong they would also bear the losses. Heads they win, tails they win - but the client loses.
Registered to carry on audit work in the UK and regulated for a range of investment business activities in the UK by the Institute of Chartered Accountants in England and Wales.
Bookkeeping, financial and accounts preparation, budgeting and forecasting, management accounting, payroll.
33 Anglesey Court Road, Carshalton SM5 3HZ
Business / fax line 020 Mobile 07533
www.scmprivate.com firstname.lastname@example.org â€˘ tel: 020 7838 8650
Article sponsored by SCM Private
SCM Private is authorised and regulated by the Financial Services Authority. Risk and performance can change over time. The value of investments and the income from them can go down as well as up and you may not recover the amount of your original investment. Past performance is not necessarily a good indication of likely future performance.
Wealth & Investment. A wealth of knowhow Chartered Certified Accountants And Registered Auditors
investing their money wisely, Investec Wealth & Investment have the knowledge and expertise you need regarding your investments, pensions or other financial matters. Our recently enlarged network, incorporating the added strength of Williams de BroĂŤ, means that we now have 15 offices from Edinburgh to Exeter. To see how we could be of service to you
High value financial solutions
please visit our website for details. Please bear in mind that the value of investments and the income derived from them can go down as well as up and that you may not get back the amount that you have put in.
Help with â€Ś. Accounts preparation, Business development, Tax returns and planning, Company audits, Cashflow projections , Payroll processing
Experience the difference Handelsbanken is a fast-growing
Offices in Kent â€Ś Ashford Whitstable 01233 633336 01227 770500 Charities
Court of Protection
Member firm of the London Stock Exchange. Member of NYSE Liffe. Authorised and regulated by the Financial Services Authority. Investec Wealth & Investment Limited is registered in England. Registered No. 2122340. Registered Office: 2 Gresham Street, London EC2V 7QP. Offices at: Bath Belfast Birmingham Bournemouth Cheltenham Edinburgh Exeter Glasgow Guildford Leeds Liverpool London Manchester Reigate Sheffield
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Broadstairs 01843 608081
our personal approach to banking,
relationship bank serving over 130
which is one reason Handelsbanken
towns and cities across Great Britain.
has been independently ranked top
Our branch staff are experienced
for satisfaction and loyalty for the last
bankers with strong roots in the
three years by both corporate and
local community. They specialise
individual banking customers.
in providing highly personalised and competitive traditional banking
Handelsbanken has been rated one of the worldâ€™s ten strongest banks for the past two years by financial information provider Bloomberg. We would be delighted to talk to you about your specific banking needs and how we can help you to address them. To find your local branch please visit www.handelsbanken.co.uk.
â€œAs my work is sometimes stressful and Iâ€™m short of time, it is really helpful that my Account Manager is empowered to make decisions, and can do so swiftly.â€? Judy Claxton, barrister
We are also pleased to have been
services for local individuals and
rated the Best UK Private Bank 2012
businesses. Each branch operates
by the readers of Financial Times
â€œThe beauty of Handelsbanken is that
as a small business, enabling it to
and Investors Chronicle magazine.
they tailor their products to fit my needs
make decisions locally. This means
Although we do not think of ourselves
and not the other way around. I know
that our customers benefit from
as a â€˜private bankâ€™, this particular
that Handelsbanken is not a private
swift decisions based on a strong
award recognises â€œthe bank that
bank, but I get the same service and
understanding of their individual
offers customers outstanding tailored
attention that I would expect from one.â€?
needs and circumstances.
Jon Straw, barrister
banking servicesâ€?, which is something we always strive to offer.
â€œIt's refreshing to deal with people I
One of the worldâ€™s strongest banks
actually know and have confidence in,
everything we do. Instead of call centres, we offer everyday access
Handelsbanken takes a conservative
Staff in my local branch understand my
Customer service is central to
David Ealing is licensed and regulated by the ATT under license number 3878
WELCOME TO HANDELSBANKEN
With more than 150 yearsâ€™ experience of serving clients by
8395 1031 286346
rather than a stranger in a call centre.
to one point of contact - a dedicated
approach to risk, only dealing with
specific banking requirements as
local account manager - whether
customers that branch staff can meet
face-to-face, by direct line, email or
and develop a long-term relationship
mobile phone. Customers appreciate
with. These factors help explain why
George Rowell, barrister
www.handelsbanken.co.uk Handelsbanken is the trading name of Svenska Handelsbanken AB (publ). Registered in England & Wales No. BR000589. Incorporated in Sweden with limited liability. Registered in Sweden No, 502 007 7862 Head office in Stockholm. Authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) and authorised and subject to limited regulation by the Financial Services Authority. Details about the extent of our authorisation and regulation by the Financial Services Authority are available from us on request.
City Asset Management
!RE YOU SELF EMPLOYED (OW WOULD YOU STAY AÂžOAT WITHOUT INCOME
City Asset Management is an independent investment management company dedicated to the maintenance and preservation of the asset base and wealth of its clients. The company was founded in 1988 and is mainly owned by the working directors. Our financial planning arm, City Wealth Planning, offers a highly personal and service led approach to meeting our clientsâ€™ wider financial planning needs. Whilst our clients include charities, trusts and corporate bodies, the majority of our relationships are with private individuals and their professional advisers.
A Personal Approach
)F ILLNESS STRIKES AND YOUÂ´RE UNABLE TO WORK COULD YOU COPE COPE Â˝NANCIALLY 7ITH INCOME PROTECTION FROM DG MUTUAL YOU WOULD STAY AÂžOAT Benefit up to 66% of taxable income
)F ILLNESS STRIKES AND YOUÂ´RE UNABLE TO WORK COULD YOU Up to ÂŁ1200 tax free benefit per week*