3 stages to sound financial advice

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   QUARTERLY NEWS FOR SOUND FINANCIAL PLANNING                                                                                                        JUNE 2009

   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                                             
                                                                                                                   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.

   What would you like to see in future issues of Milk No Sugar?
   Send your suggestions to or call us on 01299 405631. Thank you.

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