Finance for Women By Women

In exactly the same way that many women prefer to consult a female doctor regarding a health problem, many also prefer to deal with a female financial advisor when discussing personal finance and planning for the future. This is especially true if they have suffered the trauma of divorce or widowhood. At times like this, a sympathetic and understanding approach can ease the burden of financial complications.

Unfortunately, many women are put off seeking advice due to the jargon and horror stories that frequently appear in the press, thereby missing the benefit of clear, straightforward advice in a friendly, trusting environment. Our friendly approach in no way affects our professionalism, or the quality of our advice, and many clients do find financial planning more palatable when presented by an understanding adviser in such a straightforward, clear manner. You have nothing to lose and everything to gain by fixing up an initial consultation - it's free and there is no obligation whatsoever.

New research carried out by brand strategy experts 'Bdifferent' finds key differences in the characteristics of male and female Independent Financial Advisers (IFAs) and the way they are seen to do business. Most female respondents think female IFAs are good listeners, caring, professional and confident. In addition, women are perceived to be motivated by more than just money. They strive to do a good job, to meet their clients' needs and build relationships. According to this research, most women would prefer to deal with a female IFA. Warde Graham Consulting Ltd has risen to this challenge, resulting in 'Finance for Women at Warde Graham', a scheme which provides financial advice for women, by women, in the caring, confident and professional manner women prefer.

Independent Advice

Independent advice means that the most appropriate plans can be recommended and tailor made to suit your own particular situation, selected from the most competitive companies in the financial services industry. Advice is not restricted or limited to the products of just one company which is a real advantage.

Financial planning for the future includes protecting your income should you become ill, selecting the most suitable mortgage, contributing towards a pension, funding for career breaks, saving tax efficiently, investing wisely to provide future security. Would those you care for be able to manage without you? Is there anyone who would suffer financially without your support?

Unforeseen Circumstances

Just as we plan careers and families, it is important to plan for unforeseen circumstances, when life doesn't run as smoothly as it might financially. It is also reassuring to confirm that your current financial strategy is appropriate for your present circumstances, which may involve life changes such as divorce, career change, buying a house, inheriting capital, or widowhood.

Financial Goals

Do you have specific financial goals that need professional advice? Do you have capital in deposit accounts with banks or building societies that you wish were working harder? Are you able to set aside some money each month for medium-long term savings? Do you need to take an income from your capital (if you have unused tax allowances, this income can be paid gross). Would you like this income paid monthly, quarterly or annually, directly into your bank or building society account?

Protection

Would those you care for be able to manage without you? Is there anyone who would suffer financially without your support? Would knowing that a substantial lump sum will be paid on your death, give you peace of mind whilst you are alive?

Taxation*

Do you have tax problems? An independent assessment of your financial affairs can usually clarify the existing problem and set out steps to guard against any future trauma. Are you finding self-assessment a nightmare? Have you managed to plan for inheritance tax (IHT)? Have you prepared your capital gains in the most tax efficient manner? Have you managed to reduce your income tax?

*Not all tax planning is regulated by the Financial Services Authority

Next Step

The next move is up to you. If you approach us, you can rest assured that any advice will be confidential, impartial and clearly set out, with no obligation on you whatsoever to proceed with our recommendations. To organise an appointment please email us at info@wardegraham.co.uk or call us on 0141-248 8855.

There may be a fee for mortgage advice and your home may be repossessed if you do not keep up repayments on your mortgage.