About Us

Supporting the campaign for greater transparency, and a fairer deal for small investors.
 

#transparencytf

For details of our campaigning, follow Lesley on social media.

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When it comes to retirement planning, confusion reigns.

You want to get organised, but you don't know how. And whenever you turn to someone for help, it's either expensive, intimidating or takes up so much time, you find whole weekends being eaten up.

But you also know: the longer you leave it, the worse it's likely to be.

If you could just get a sense of things. If you could understand your situation, you could at least then deal with the result.

What you really want is a (simple) reality check...

AS SEEN/HEARD:

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Questions you should probably ask

(so we answered them anyway)

Q: What do you charge?

Our fees are fixed and all inclusive. 

The fees you pay us are fixed. You'll find details via the links on the Plans page. Along with more detail of what to expect from the different services we provide.

 

That's it. We elaborate in more details below but, in summary, we don't sell products or funds and we don't receive income from any of the products we either rate as a 'best in class' nor (if you need it) the people we might refer you on to for more help. 

If we do refer you on, or you decide to invest in one of our 'best in class' products, the contract details and costs you then pay will be between you and that provider/partner. However, it is part of our due diligence that we ensure they will fully disclose what those are (in £s as well as %) before you make any final decision to go ahead. 

Guidance? Advice? What's the difference?!!

It may sound like semantics but the legal definitions - and the level of protection you can expect afterwards - differ significantly.

This has to be one of the most confusing aspects of personal finance: the difference between 'Guidance' and 'Advice'. But there is a difference - and it is significant. Therefore:

'Guidance' is impartial. It can help you to identify your options, possibly narrow down your choices, give factual information and informed opinion about the pros and cons of different options. However, it cannot make a 'recommendation' of which option is the most suitable, nor suggest precisely which product is best in your circumstances.

 

After we have given you Guidance, it's up to you to decide how to act.

When providing you with guidance, we are responsible for making sure the information we provide is accurate. But we are not liable for any decision you make as a result. You are NOT protected by law if you get that decision wrong.

Which is why, in some cases, we may suggest you take 'Financial Advice'. This will offer you a detailed analysis on the merits of different options, and will result in a personal recommendation to buy a specific product and/or invest in a specific fund.

Whilst all our 'technicians' hold the same minimum level of qualification as Financial Advisers, insisting on that was our choice. Whereas, to give regulated advice, those qualification are a must. An adviser is then both responsible and liable for making sure the advice given is suitable. And you are protected by law - and can be compensated for losses - if they get it wrong.

What type of people do you help?

We've had the privilege of dealing with some lovely people. All of whom just wanted to be sure they were doing the right thing.

You are probably someone who quite likes looking after their own money. You've started looking into things but realise you need a sensible plan. You may even be a little worried about it. But you're not really sure where to turn.

You've read the newspapers. Tested the wisdom of Google. Listened to some podcasts perhaps. Even read the odd book. Despite all the great information you've found, though, you can't quite work out how to apply it to your own plan.


What you'd like is a sanity check. A line in the sand that will tell you where you've got to and whether you are on the right track. You don't think you need a financial adviser. Because you're confident you can get on and do what's needed. You need some help, but you don't want to hand over complete control.

So that's what we do. Give you a sanity check. A Retirement MOT. To highlight the strengths in your finances, spot any weaknesses. Organise a proper plan. And if you need any serious repair work doing we can also help you find the best way to get that done.

Q: Who can you NOT help?

We would love to help everyone - but that just isn't possible. 

There are a few situations in which our services will not be suitable:

 

If you are looking for a get-rich-quick solution, you won't find one here. We want you to be successful in your endeavours to build wealth, so we will not 'risk' making predictions about which share will be the next big thing. Too many people are already doing that - and most are failing miserably at it.

 

Anyway, predicting the future isn't necessary. Our method helps you achieve success regardless of which company is the next Apple, or Netflix, or Facebook. But it will take some commitment.

Which means, to get the most from this process, you probably need to have had that 'aha' moment. The one that says, 'Enough! I need to get this sorted'. Our action plan is not difficult, but it will only work if you have the motivation to act. 

Finally, our service is specifically designed for individuals with between zero and £250,000 in assets. Or £400,000 for a couple. Not including your main residence. In other words, people who find it hard to get financial support (at a reasonable price) anywhere else.

 

If you have more than that, or if you earn more than £100,000 a year, you are likely to be better off going straight to a regulated adviser. They can cover all the additional details that come with your high net worth position. And implement everything for you. What they can save you will be worth every penny you pay them.

(If you need help finding one you can trust, though, we know some great people we can recommend.)

Do you make money introducing clients to others?

We base our decision to work with third parties on the quality of their service, not how much they might pay us for an introduction 

Simplified Money is here to help our clients get the best outcome possible for their situation. We have therefore decided not to request introductory or affiliation fees. Not from those included on our 'best in class' lists. Nor from people to whom we might refer you when you need more help than we can provide.

The only people who pay us money in this process are the people who employ us. You.

In our internet age of affiliate advertising and 'influencers', that might sound a little mad. But what it means is, we won't - cannot - prioritise our income over your potential outcome. Which will hopefully then also gives you confidence that what we suggest for you is truly in your best interest to consider.

Do you recommend specific products or funds?

Passive investing is"like going out on the golf course and shooting every round at par.

How many golfers can do better than that?"
Burton Malkiel

No. We will not provide specific recommendations on which product in the market is most suitable for your situation. For that, you need regulated financial advice.

 

However, we do carry out research. Enabling us to provide impartial opinions on providers. And offer a 'best in class' rating system to identify what we consider to be excellence. Hopefully, once you are confident you know what you need to do, you can decide for yourself which of those are best placed to help you do it.

In terms of funds - and you will see us go on about this ALL OVER THE PLACE - we have seen too many 'star' funds crash, or hike fees beyond their ability to out-perform. Instead of pretending that this or that fund is the one to make you rich, therefore, we stick with the scientific evidence.

 

Which shows that for the vast majority of people, a multi asset, risk appropriate, passively managed fund is the ideal solution for building a core investment portfolio. Indeed, many would argue that you won't actually need anything else.

However, we also appreciate that some people like the process of seeking out shares that might win big. Or who simply want to be more involved when they spot something they like. But that's the added benefit of a solid foundation. If you use our methods to build a core portfolio, you also buy yourself 'choice'. The choice to take a satellite punt on an interesting idea. Without risking everything you have on black. 

Q: What qualifications and experience do you have?

This is not regulated financial advice. But we insist that our financial technicians have at least the same minimum level of knowledge.

Director, Lesley, gained her Diploma in Financial Advice from the London Institute of Banking & Finance (LIBF). She also holds two level 6 qualifications, including the LIBF specialist Pension Transfer qualification.

Lesley has worked in financial services either with, or alongside financial advisers and their clients for virtually her entire career. And covered almost every area of personal finance, investment and pensions. (the LinkedIn icon at the top will take you to more of the details.)

Co-Director, Mark, has many years' operational and management experience, built during his time in charge of a (large) consultancy business. An expert in planning projects, managing teams and balancing budgets, he takes care of the operational & business end. Ensuring our proposition is built on a sustainable and robust set of processes.

Our Process

 

A Simple Four-Step Strategy

Forecast

We work out what you're worth, what you need to have 'enough' - and run some scenarios to see what might happen, if...

Review

We examine your existing plans closely, and will call out unnecessary complication or ridiculous fees

Benchmark

We take you through our findings, show you what's possible and benchmark your position so you can  watch it progress 

Control

Your action plan gives you the next steps to get you moving . And (if you need major repairs) referral to an expert who can help you take that on

"The best time to plant your tree was 20 years ago.

But the second best time is now..."


Chinese proverb

Simplified Money Ltd is registered in England, no: 9740076; Registered Head Office 7/8 Eghams Court, Boston Drive, Bourne End, Buckinghamshire SL8 5YS

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