Managing Director Frank Cochran providing top quality independent advice
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Ok his £1.2million salary is an enormous amount in anyone’s books but his type of role and the level of responsibility he carries would normally carry this type and level of remuneration. Where I believe he may have been a little naive is to expect the British public to look sympathetically at his plight, I don’t think he really had an option, he cannot deny that his bank and all the others have failed miserably to meet their target for lending to small businesses, their fear has compounded the likelihood of a double dip recession, the lack of sufficient cash in the market is strangling the economy.

On these grounds alone he has to hold his hands up and admit failure, so no he shouldn’t be rewarded for failure, I think he would have been better coming out straight away and donating the bonus to a worthwhile charity, he would have gained much more credibility and he would not have triggered the backlash he now so richly deserves.

It is going to be interesting to see how many UK financial Advisers opt to either leave the industry or to adopt a restricted method of operating.  The FSC ethos is however never going to change; we believe that good quality fully independent financial advice will always be worth paying for.  If someone simply wants to buy a product in the hope that it solves all their financial problems then they are fooling themselves. The right advice doesn’t take long to obtain and is worth every penny it costs, the wrong advice can ruin any chances you may have had of a bright and successful financial future.

FSC have always encouraged potential clients to make use of our free initial consultation facility, this is an opportunity for someone who may be unsure if they actually need or warrant Independent Financial Advice to come along and discuss in privacy on a one to one basis their concerns and aspirations, by the end of the half hour the person is given the chance to reflect on the discussion and will be in a position to know if it is worth pursuing the process to a full fact find and financial report. If the answer is no, then it has cost them nothing, if it is proved the advice is necessary it will ultimately be very cost effective and relevant to the persons financial requirements.

The Retail Distribution Review (RDR) will come into force on January 1^st 2013. This is the biggest shake-up of how financial advice is obtained and paid for since the introduction of regulation in 1996. The position going forward is that in order to trade as an IFA advisers will need to have passed a series of very strict examinations to prove their competence to stay regulated and licensed, at the same time the structure for paying for the advice is also changing, gone will be the ability to pay for your products by commission, all payments will now be by way of fee, charged either on an hourly basis or as a percentage of the amount invested or a combination of both.

The reality is that a large number of the older and dare I say it more experienced IFA’s have taken exception to the requirement for the stricter examinations and some are not willing to completely overhaul the way they receive their income. As a consequence great numbers of these IFA’s are either selling their practices or they are simply retiring and leaving their businesses to the open market.

As a possible investor or as a client of an existing firm you need to be asking your adviser if a) they are currently qualified or are they well on their way to getting qualified to continue to trade, anyone who has not started the process already is not really that serious about staying in the industry, you also need to ask if they are in the process of or are they intending to sell their business, if you don’t get proof of the fact that they are going to be around in 12 months time, you may want to consider looking for an alternative adviser.

Over the last 30 years we have come to understand that no two investors are alike; each
individual has their own personal financial aims, priorities and concerns.

Working around each client’s individual financial objectives our independent experts
tailor bespoke investment portfolios and strategies that attain long-term fiscal objectives
but remain flexible enough to cope with short-term needs.

We have been entrusted and proudly serve more than 400 private investors and
corporate clients across the Black Country region. Our company is committed to
helping you achieve your dreams and aspirations for today – and the future.

Specialist services include;

• Integrated Financial Planning
• Personal Investment Consultancy
• Private Pension Schemes

We are truly passionate about business but treat our clients like family.

Contact FSC Investment Services today and give yourself one less thing to worry about

The answer to this may be to look at certain investments which can prosper in a volatile market. Canada Life and MetLife have all got very good investment bonds which do just that. They have Bonds or funds on the market which offer a guarantee of some or all of your original capital invested, they then allow your investment to be exposed to the equity markets in a similar way to a stock or share, but that’s where the similarity ends, if your stock or share loses value you can suffer capital loses, but in the bond this can be controlled by virtue of the level of guarantee you apply or the amount of growth lock-in that you have chosen.

Such is the interest in this that we are hosting a free to attend seminar on Tuesday December 13th at the Molineux from 6.00pm till 8:00pm where we will be showcasing some of these alternative ways of investing. We have secured three guest speakers from Canada Life, Met Life and Brewin Dolphin to explain some of the way to potentially invest safely in a volatile market. I will also be giving a general market overview and be on hand to answer any questions or queries. Prior to the seminar we are hosting a networking event from 5-6pm. Places will be limited so call now on 01902 422333 to reserve your place now.

You are cordially invuted to the FSC investment Services Limited Autumn 2011 Investment Seminar. Speakers from : Canada Life, Metlife and Brewin Dolphin at the Molineux Stadium

Major Buckley Suite Tuesday the 13th of December from 5pm till 8pm
(Networking from 5-6pm)

Places will be limited so please call 01902 422333 to reserve a place now !

FSC Managing Director tonight was live on Wolverhampton City Radio 101.8fm – Giving an interview on the drive time show.

Click here to downlaod the Mp3 or listen again now.