Accredited Financial Planning FirmTM
You don’t need me.
You like being forced to pay about half of what you earn to people who didn’t earn it.
You like the fact that when you die, about half of what you saved will be given to complete strangers who didn’t save it.
You know the date of your death – it’s the day after Inheritance Tax is abolished.
You are saving enough to ensure that you can retire when you want, and afford to do everything you’d like to.
You know that, in any case, the Welfare State and the State Pension represent an unlimited source of free money which will always keep you in the style to which you are accustomed, at everyone else's expense, with the agreement of all of the electorate.
Your investment and pensions portfolios already have the very best fund managers drawn from the whole marketplace.
You can see all of your investments summarised on one page, updated daily, online.
You know and control all of the charges in your investment and pensions portfolio.
You know and understand your risk tolerance, and your investment portfolio achieves the best possible return for your risk tolerance.
Premature death, illness or disability would have no impact on your financial affairs.
You have no debts.
You are immune to changes in interest rates.
Long Term Care costs in old age would not be a problem for you.
You know more about taxation, pensions, estate planning, insurance and investment than all the experts in their field.
You don’t need me.
David Gunnersen MSc AFPC APFS CFP
(Principal – Midas Fides)
