Moving Forward Together

Investment & Financial Planning

The Investment and Financial Planning Department of Milford & Dormor provides Independent and impartial fee based investment and financial advice from a highly qualified Certified Financial Planner^CMworking for you as part of a long established firm of Solicitors.

Our philosophy is simple;

To offer clear, transparent advice
To help you work out what is important to you
To help you to step back from the investment market and take an overall view
To help you to understand the bigger picture of your long term finances
To help you put well researched investment strategies into place

Fees – To ensure the independence and the impartiality of our advice, we charge fees for the work we do for you. After a free initial meeting our costs are discussed and agreed with you in advance of advice being given. Remember – doing something may not always be in your best interests – our transparent business model ensures that we do not have to sell you a commission paying product in order to get paid.

“Our business is to provide value greater than the costs”

Investment Management

Investment & Financial Planning is about helping you to have a clear view of your finances, helping to simplify the paperwork, helping you to be in control.

Clear View - Our preference is to work with an independent administration service to bring the reporting of your investments together and visible in one place.

Simplify - This approach vastly reduces the paperwork received by you, by bringing your investment reporting together on one half yearly statement and one annual tax certificate.

Control – Being able to view investments in one place saves time (fees), increases efficiency and with use of selected institutional funds reduces portfolio costs.

Inflation

The unseen enemy of all investors. Inflation increases the price of goods, increases the cost of living and decreases the real value of capital. Good investment planning takes inflation into account to help ensure capital preservation.

Investment Philosophy

We believe in providing objective advice, backed by market leading and independent research and academic evidence.

Markets Work – Global capitalism and markets work effectively and over time have a history of rewarding long term investors for the capital they supply.

Risk & Return – An investors return from investing is compensation for the risks that they are prepared to take. If no risk is taken there is little prospect for financial reward. Unfortunately there is no such thing as a risk free return; if higher returns are sought then more market risk has to be accepted. Our role to ensure you are comfortable with the level and investment risk and that the expected returns for the risk you take meet your needs.

Costs Matter – Lower expenses increase investment returns. Sounds simple, but with true annual costs for many popular UK funds exceeding 3% pa – costs matter. Controlling turnover and operating expenses is an important part of our work.

About SIFA

SIFA was established in 1992 to encourage and support involvement by solicitors in financial services work. SIFA was a founder member of the Law Society’s Financial and Investment Business Working Party and is recognised by the FSA as the trade body for solicitor financial advisers.

About The Institute of Financial Planning

The Institute of Financial Planning (IFP) is a not for profit professional body established in 1986 to focus entirely on the practice of Financial Planning. IFP works closely with its 2000 members to help people like you across the UK to realise the importance of Financial Planning to their lives.

The IFP do not offer any advice but are the exclusive licensing authority for the CFPCM, CERTIFIED FINANCIAL PLANNER^CM mark which is an internationally recognised certification awarded to individuals who fulfil the stringent requirements and have been appropriately tested.

A CERTIFIED FINANCIAL PLANNER^CM professional is a Financial Planner who has completed a high level qualification and abides by a strict code of ethics. It is most important that your Financial Planner is someone that you can trust, has the required knowledge and skill to help you achieve your goals in life.

A CFP professional is monitored annually by the IFP to ensure they are keeping up to date and maintaining their knowledge and skill by checking their continuing professional development activites.

A CERTIFIED FINANCIAL PLANNER^CM professional is someone you can trust
A CFP professional adheres to strict rules and regulations so you can always be sure you are receiving appropriate advice for your needs
A CFP professional works with you to establish what you really want from life and then help you to plan your finances in order to stand the best chance of achieving your goals
There are over 126,000 CFP professionals globally including almost 1000 in the UK. The CFP mark is recognised as the global symbol of excellence in Financial Planning