Life Centered, Fiduciary Financial Planning And Asset Management

But the most interesting thing I learnt occurred during the two continuous professional development courses below where I was the only person coming from our region and even since then to the best of my knowledge there have been no other persons interested in this curriculum.

WHY?

I devote this self-made, basically informational and educational webpage to my children, my life partner, friends, acquaintances and all those who like seeing old things in new light or just wishing to learn new things. You will see that investment considered by many as something complicated and reserved just for a few insiders is in fact not that much complicated.

You will learn that you have at least as much, and if you follow the advice given here, even more chance than the big names of the financial industry who are supposed to know what to do in order to achieve good investment results. But rest assured, you will not need to invest more than a tiny fraction of time compared to what I have done and you do not have to go along the bumpy road I have covered.

I can even promise that this material is easy to understand and there is always a shortcut if you think there is too much to learn.

From the beginning of my professional career most of which I spent as an insurance broker I have been representing the interests of my clients assisting them in managing their risks and finding the optimal insurance coverage on the market. The fiduciary principle (client interest comes first even above your own one) is the basis of an insurance broker’s activity and it is protected by force of law in my country.However, other financial intermediaries do not have such obligations and they do not have to protect the interest of their clients. Naturally, they do not act like that.

In spite of some recent steps in the right direction things are still not in order and it seems they will not even be so in the foreseeable future. Therefore, I decided to bring some clarity and show a way out from the active investment world. The word “active” will be explained later on.

I do believe that my way as before leads through the well-being of my clients, and my activity may be considered as that of a financial broker with a fiduciary approach and for a fair service I expect a fair remuneration in form of an expert fee.

Why only now?

Because financial planning advice is worth as much as it is possible to implement and by now all the conditions for a real work are given. A proper asset management background is also available by now.

HOW?

I deliver financial planning services and participate in organising asset management.

An important question may arise in you: How is it possible that the outstanding representatives of the financial industry do not know about these methods, and not only they do everything to the contrary, but in addition they try to urge you to do the same day by day.

Maybe they are not interested to tell you about the evidences? You will see.

What?

For those wishing to know everything at once I can give you, the average citizen a recipe for a good investment process which is literally based on the achievements of academics in finance as follows:

1. Find a fee-only fiduciary financial planner who is able to prove you that you will be the sole source for his remuneration. I can recommend one upfront- myself.

2. Get to know yourself, your risk tolerance and risk capacity with the assistance of a financial planner. You can find details here.

3. Prepare with the help of your financial planner your own written investment policy statement based on your own beliefs, knowledge and understanding. You will need to adhere to this document no matter what.

4. Invest in a most diversified way into capitalism using the achievements of research by Nobel Prize winning academics implemented in practice.More details you can find here.

5. You will have very little impact on world economy therefore focus on what you can influence: minimalise investment costs, unnecessary turnover of holdings and tax.You can read more here.

6. Rebalance your portfolio on half-yearly basis or as a minimum once a year according to the ratio of stocks and bonds, real estate laid down in your investment policy statement. You can find further details here.

7. Find an asset manager working in a fully transparent way.

8. Never ever pay any attention to the financial media, never believe their investment stories, as those are made for marketing purposes and therefore have nothing to do with reality.No one has so far been able to predict the future and most likely it will stay like that for good.

9. Live and enjoy your life. Enjoy growth of wealth as a result of compounding.
   It is only up to you whether you choose the treadwheel or the laid back investing method where the money serves you as a means of achieving your life goals.According to the traditional approach your only goal is just money but you are not able to reach it.

You may ask yourself: How on earth would I be able to accomplish all this?

Now, that you have visited this site you will know how to complete the task.With a little help.

This is exactly why you need a fiduciary financial planner and an asset manager who are able to accomplish all this together with you in a very cost effective, competitive way.

I would propose continuing your journey through “Life Centered Financial Planning”, but if you would like to jump at once to the end instead of step by step understanding you can go immediately here.

Life Centered Financial Planning

Many people encounter the expression “financial planner’ first time in their life, let alone Life Centered Financial Planning.Get acquainted with it and if you are one of those wishing to learn more about it then please

Evidence Based Investing

Evidence based investing is an investment method based on the achievements of academics in the field of economic science. If you you would like to learn more about it then please

Asset Management

This is done by an outside service provider. Point 5 and 7 of the above investment recipe are very closely linked to each other as it does make a huge difference whether the expenses to be taken from you stay with you as an excess amount to be invested working for you or for a counter party with opposite interest than yours.If you are interested in our approach please