New Equilibrium

The Personal Finance Society is the UK’s leading professional body for the financial planning community.

Earning your trust

Members of the Personal Finance Society are required to earn and maintain the trust of clients at all times by following our Code of Ethics. Members must:

• Act with the highest ethical standards and integrity
• Act in the best interests of each client
• Provide a high standard of service
• Treat people fairly, regardless of: race or racial group; sex or sexual orientation; religion or belief; age; and disability.

Providing trusted advice

Members commit to continuing professional development to keep their knowledge of the ever-changing financial planning profession current. When it comes to meeting your financial needs, you can expect appropriate advice, complete with relevant information and documentation.

Statement of Professional Standing

Financial planners are required to evidence their adherence to the Code of Ethics through a valid Statement of Professional Standing. This Statement confirms that they are professionally qualified and have committed to continually updating their knowledge.

Starting with "The Why?"

Life is a journey that should be a thrilling and exhilarating series of adventures. However the complexity of modern life can easily create an overwhelming avalanche of stresses that confine us to a grey box of simply existing from one day to the next. Without realising, we can wake up one day and find ourselves in a day of 24 hour repetition, or even worse at the tail end of our lives without having taken the most of the amazing opportunities that Life can present.

At the ripe old age of 45(!), having served in the Armed Forces and completed 4 operational tours in my twenties, being a husband with a mortgage and three children not yet in their teens, I have both a reasonable amount of life experience but also the understanding of the need for a robust financial plan. Having worked in National Fund & Venture Capital management businesses and also the Guinness Family Office (Iveagh Ltd) my career and personal motivation is now focussed on assisting people make the most of their finances and the opportunities that life offers them.

Defining a strategy

We offer a truly holistic, independent financial planning service, creating bespoke financial strategies for each client giving them peace of mind that they are on track to be able to live out their desired lifestyle

We will work with you to identify, achieve and maintain your short, medium and longer-term aims and objectives, helping you to maximise your desired lifestyle whilst minimising the risk of your running out of money within your lifetime. We create your bespoke financial strategy and then coach and guide you through the implementation of the plan, making any adjustments necessary over time.

Growing your wealth and achieving your objectives

• We offer a trusted, lifetime financial planning service, which we feel far exceeds the traditional ‘product sales’ and ‘portfolio management’ service offered by traditional financial advisors, giving you peace of mind over your finances
• Should you require a financial product, we include these as part of our service, but we will never ‘sell’ you a product you do not need, only those dictated by the plan to meet your aims and objectives
• Our strategies ensure your finances are arranged in the most effective way to meet your objectives, whilst also being as tax efficient as possible and if necessary, invested in accordance with your needs to complete your financial plan
• We build strong, trusted, long term client relationships
• We are not afraid to tell the ‘truth’ about your position, rather than what you want to hear

Quote: Being Wealthy is so much more than just being Rich

This is a summary of an article that first appeared in Forbes Magazine, but which nicely summarises the aspirations of the clients we help at New Equilibrium Financial Planning:

*Some people spend their riches on material things, such as cars, homes and watches, that allow them to "peacock" or let everyone around them know how successful they are.

Contrast that with people who concentrate on accumulating wealth. These people are focused not on how others view them, but on what their money can provide them via peace of mind and security. Their goal is to save, invest and accumulate wealth not to impress anyone, but to achieve financial independence so they can enjoy the benefits of accumulating wealth, which can include an early, stress-free retirement, the ability to be philanthropic, the ability to take care of family or the ability to travel and create experiences. They understand that material things are fleeting and that their "stuff" has no lasting value.

We live in a consumer-driven economy. We are constantly being told that more, bigger, better is the path toward happiness. Amazon and online shopping make it easier to get that jolt of endorphins when we push the "Purchase" button. But all of this makes it harder to avoid the siren song of own it, buy it, drive it, so everyone around you will know you have "made it."

Our perspective is that being "rich' is having the means (and the plan) to live & experiencing the life you want.