Tempus Fugit… so plan how to live it well
Love Song – Abi Morgan |
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Love Song – Abi Morgan |
1991: Shadows and Fog – Woody Allen |
1989: Licence to Kill – John Glen |
2011: Win Win – Thomas McCarthy |
Great financial planning is all about figuring out what you want to achieve and putting this into a values based workable financial plan to achieve the results you want. Invariably life changes, so the plan needs reviewing and sometimes it is necessary to make dramatic changes. The assumptions we make and the strategies applied are tested against real experience. Financial Planning is not about winning, but it is about getting results.
1937: Love Nest on Wheels – Keaton |
1957: House of Numbers – Rouse |
1944: Lifeboat – Alfred Hitchcock |
Yesterday, it was announced that the new regulator (that will replace the FSA) will have the power to ban financial products without any consultation. Whilst on the face of it, this does appear to be a good thing (when products are frankly “a load of rubbish”) this sort of action can lead to chaos as those stuck in the products cannot easily exit. It would be far better to have clear guidance and rules that financial products must follow to be available. This might mean requiring pre-approval from the regulator before a product is launched (though this would likely lead to bureaucracy and delay as well as possible loss of competitive advantage). However, I would argue that this is probably better than having a class of products that are unregulated which advisers must be at least “considering” to retain their “Independent Financial Adviser” status from 2013 under the new rules. I can only foresee yet another avoidable disaster.
2008: Chaos Theory – Marcos Siega |
2001: The Business of Strangers – Stettner |
1932: Winner Take All – Roy Del Ruth |