MILKNOSUGAR QUARTERLY NEWS FOR SOUND FINANCIAL PLANNING JUNE 2009 www.tinsdale.co.uk 3 stages to sound News in brief Market Outlook financial advice Our investment strategy meetings always uncovers something use- ful. This week we have revisited the inflation/deflation debate. Which way will things go? There are many factors to this equation and the We do the research, you receive the benefits outcome will have huge impact on investment returns in the near and Welcome to our first edition of ‘Milk long term. No Sugar’, our easy to read news- Most of our research over the letter rounding up current and fu- last year has been focused within ture financial news that you need to Quite simply this area and our conclusions point know about. we offer good sound financial planning to inflation on the horizon. However, You may have noticed that our Nigel Tinsdale there are many deflationary factors logo has changed? Well we have Financial Advisor still in play, so we believe we may started to advertise for the first time experience both: to begin with high tel. 01299 405 631 Tinsdale Investment Management and took the opportunity to have a email@example.com www.tinsdale.co.uk Unit 3 Rear, 71 Load Street, Bewdley, Worcestershire DY12 2AW inflation in some areas and defla- makeover or in corporate speak tion in others. It will create an excit- re-branding. Our advertising has ing market but our well researched much to do with the current market client strategy will all hinge on how conditions, as we believe things will So who are we? The next stage is when the cautions or adventurous our clients get far worse before they get bet- Tinsdale Investment Manage- planning really starts with Nigel are with their investments and our ter, so rather than let you get pulled ment is Nigel Tinsdale, Roy Miles and Roy reviewing all informa- advice. down in the doom and gloom, we and Jenny Hyde. We are a small tion and formulating the outline decided to focus on using our skills firm, but our size gives strength of the financial plan. Once the to help steer a path through this and uniqueness in our personal structure of the plan is in place, uncertain time. approach to your finances that Roy will then create and prepare We know people need good, many larger companies could the report which encompasses sound advice now, more than ever, never possibly attain. sourcing and researching funds so we’ve decided to focus on tell- Nigel is the person you are specific to the given planning ing people exactly what we do, and most likely to meet, he enjoys the brief. this is it: opportunity of meeting with cli- We invest valuable time and >> Stage 1 ents and is an expert at gather- energy on your behalf in re- Visit our website for further insights. We meet with you for an initial dis- ing information on current finan- searching the general market cussion. We learn about your per- cial situations, which invariably conditions and trends, keeping Investment myth sonal financial position and what involves the drinking of copious our finger on the pulse of what is “Investment ISA’s are tax free” you want to achieve. We don’t amounts of tea, (milk no sugar really happening out there, which Investment ISA’s are not necessarily charge for this meeting. please?) and lots of chatting is all then fed back to ensure we tax free, it depends on the invested which is a marvellous way of get- continue to deliver quality advice, assets. >> Stage 2 ting to know you, our clients. when you need it. For example: an ISA invested in We then explain how we can help Information gathered, back at Well, we’ve hopefully suc- a UK equity fund taxed at 20% on you and outline the cost. the office and Jenny’s task is to ceeded in explaining the process, income generated, the tax cannot coordinate contact with all the but the real difference (according be reclaimed by the fund manager. >> Stage 3 various companies, gathering to our clients) is the financial ex- With a fixed interest fund invest- Once you’re happy, we then get to additional information and ob- pertise of our team and our in- ment income is treated as interest work on helping you get there, ad- taining values on client’s financial dividual skills and talents which and therefore the fund manager vising you on what you need to do policies. Jenny also prepares make our company different, and can reclaim the 20% tax. The good to achieve your goals. valuations on clients investments ultimately make Tinsdale Invest- news is that in all cases, these in- as and when needed. ment Management successful. vestments are sheltered from capi- It really is that simple! tal gains tax. Feedback... What would you like to see in future issues of Milk No Sugar? Send your suggestions to firstname.lastname@example.org or call us on 01299 405631. Thank you.