Hannah Goldsmith Email & Phone Number

Harwell Innovation Centre, 173 Curie Avenue, Harwell, Ox11 0Qg

As an award winning IFA, I have run my own practice for over 25 years. We are directly authorised and regulated by the Financial Conduct Authority and not tied to any Bank or Wealth Management Company, which means we can offer the very best that independent advice can offer. We have no conflicts of interest.So why are we so different?I have seen many falls in stock-markets over my years, but the global financial crisis in 2008 changed my perception of the industry and shocked me to my core. The Financial Crisis Inquiry Commission after the event, concluded that the financial crisis was avoidable and was caused by:*Widespread failures in financial regulation and supervision.*Dramatic failures of corporate governance and risk management at many important financial institutions.*A combination of excessive borrowing, risky investments and lack of transparency by financial institutions.*A systematic breakdown of accountability and ethics.*De-regulation of derivatives and credit default swaps.*The failures of credit rating agencies to correctly price risk.All in all, a pretty damning report on the Financial services and Banking world. My expectations and perception of these companies changed dramatically. From this point onward, I decided that I was no longer going to expect the financial services industry to do whats right for me and my clients.

Harwell Innovation Centre, 173 Curie Avenue, Harwell, Ox11 0Qg

Over the years I began to see very clearly that the expectations of the financial services industry and the investor is not always aligned. Conventional wealth management institutions have internal systems and alliances, set up to deliver a particular service and they will much prefer that the status quo is preserved.For decades theses companies have promoted themselves and their products for their own financial gain, before that of investors long term interests. Why wouldn't they... after all they are in business to make a profit as we all are. But who do you think pays for the following:*Substantial offices in the worlds most prestigious locations?*Sponsorship of the most prestigious sporting events for their privileged clientele?*The continued regulatory fines for mis-selling products to their loyal client bank?*The Mega salaries and bonuses for those employees whose job it is to maximise corporate profit for the shareholders?None of this would be possible if it wasn't for you and your money. What they do is not wrong or illegal, they are quite within their rights to spend the income they generate from your money how they wish. However, let us look at this scenario from another perspective... let us look at a scenario where the investor could keep more of the profits generated by the industry for themselves and their families, rather then give the profits away to the financial institutions... after all, it is their money!

Harwell Innovation Centre, 173 Curie Avenue, Harwell, Ox11 0Qg

What would happen if these investors suddenly realised they could still get the same consumer protection and still have the backing of Global institutional investment companies... but pay much less in charges and fees for this comparable service. Would these investors still want to pay double the fees and leave their money in these supposedly safe trustworthy hands?What if by investing in a more transparent and financially efficient portfolio, they could reduce their fees and generate additional income or capital. What if they could plan to use this capital to do the following:*Afford the holiday home they had always dreamed of ? *Could afford exotic holidays every year?* Pay the golf club fees?*Pay the children's or Grand children's school fees?*Receive additional income to supplement your retirement lifestyle?*Create a nest egg or heritage fund for future generations?or risk leaving the money where it is and continue to give their money away to fund the financial services industry!I mentioned earlier about 'aligned expectations'. The financial services industry is not going to tell you that you could be more financially efficient and generate more wealth at their expense. Why would they?So in my world I wanted to find another way to invest clients money. A way that took back control of the investors money from the financial services industry and gave more profit back to the investor.After many years of research and using data from Nobel prize award winning economists and much trial and error (circa 2012) I found a way to take clients to market in the most transparent and financially efficient route possible. Our investment track record is excellent and has withstood the test of time and investors now get to keep more of the generated profits.So are how efficient is your portfolio and how can we possibly help you?Check out www.goldsmithinvest.co.uk and look at our complimentary trademarked 'Second Opinion Service'.