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Attention UK Resident Doctors and Dentists...

Do you want access to some of the leading financial planning strategies that will help you achieve your financial objectives?

Well, by subscribing to the Financial Tips Email Newsletter you'll be able to:

"Discover The Key Ideas and Strategies To Help You Achieve Financial Security, Save Time AND Put You in Control of Your Financial Future"

You'll also receive our free guide 'Pensions Simplification: The New Rules for Doctors & Dentists' which contains all you need to know about how to plan for your retirement from April 2006

And the best part is...all this information is available to you free of charge, no strings attached.

Sign Up NOW!  
Just complete this simple form

   
 



From: Ray Prince, MSc
November, 2007
Newcastle, UK
RE: Financial Tips Email Newsletter and Your Financial Future
 

Dear Doctor or Dentist

No matter what stage of life or career you're at, I can guarantee one thing...

...getting access to the right financial advice is becoming harder and harder for many in the medical and dental professions.

In the past there's traditionally been a few sources available, such as BMA Services, Medical Sickness Society and various (usually specialist) Independent Financial Advisers, not to mention the banks and building societies who are always keen to promote and sell their own products to you.

But a worrying trend emerged in June 2005 when the whole structure of how financial advice is offered to the UK public changed, bringing with it a new breed of adviser that may be more oriented towards selling policies than providing sound, research based financial advice.

This new 'multi-tied' adviser can now offer you a number of policies from different providers (as opposed to a tied adviser who can only deal with one product provider), however the service they offer may be more about how many policies they can sell to you. Even one of the leading Independent Financial Advisory companies changed their service offering from independent to 'multi-tie'.

It's hard to believe they'd risk upsetting their clients, but they did.

And here we believe lies a potential problem...

My name is Ray Prince and, together with my colleague Graeme Urwin, we have a combined experience of providing Independent Financial Advice to UK resident doctors and dentists for over 30 years .

I've personally given talks on all kinds of financial topics throughout the UK, at Dental Schools, hospitals and GP practices. Interestingly I've met many financial advisers who operate in this market, some good, some mediocre, and, well, some I'd rather forget about.

Unfortunately, many seemed more concerned with how many policies they could sell and how much commission they'd earn, rather than how many long term relationships they could build with their clients.

Getting advice from a financial adviser usually involves making plans that will potentially affect your financial future for the rest of your life. It's absolutely crucial that you make the right financial decisions, as mistakes (which you probably won't realise you've made at the time) could cost you tens of thousands of pounds over time.

But how can you tell if you've been given the right advice?

Often there isn't an easy way to tell. 

Very early on in my financial services career I realised that the right financial solution for clients did not always need them to buy yet another financial policy. For example, for many the best solution was to overpay their mortgage rather than investing the money in stock market based funds.

I knew this approach was unique, as not all these 'new' solutions paid a commission. But in my mind it was best advice. 

So Graeme and I sat down and discussed how we could share the same strategies that we recommend to clients to the thousands of doctors and dentists who are NOT our clients.

In the end we decided to use the power of the internet and launched the Financial Tips Newsletter.

Here's some of the topics you'll learn more about when you subscribe to the Financial Tips Newsletter:

  Life assurance strategies for protecting your family

  How to avoid Inheritance Tax with trusts and leave your wealth to your family

  Investing in buy to let properties and the steps to take to avoid the pitfalls
  (Note: The FSA does not regulate buy to let mortgages)

  Making sure your income protection covers you (and not the insurance company)

  How to plan your retirement with the new A-Day Pension Rules (in force from 6 April, 2006)

  Advanced tax planning using investment schemes

  Topping up your NHS Pension (and what NOT to do)

  Effective retirement planning strategies for Private Dentists

  Why actively managed funds may be damaging your wealth

  Investing sensibly to fund your children through university

Free Guide: When you subscribe you'll also receive a copy of our latest financial planning guide 'Pensions Simplification: The New Rules for Doctors & Dentists'. This 25 page pdf (we'll email you the link) contains all the new rules that affect your pension (effective from 6 April 2006), and includes how to choose the correct investment plan.

Sign Up NOW!  
Just complete this simple form

We passionately believe that you can make better financial decisions when you have more knowledge and information, and that's exactly what the newsletter aims to do. It's written from a totally unbiased point of view and you'll never find us recommending any specific investments or companies. 

Published twice every month via email (and about 5 minutes to read), we aim to give our subscribers the tips, techniques and strategies that will help put them ahead financially. Not only that, we'll also send you specific time sensitive announcements from time to time, so that you can make decisions when information is current, not weeks or months old.

So...

...if you're tired of meeting with all different types of financial adviser and are sick of being 'sold to'...

...if you want to save time...

...and if you want to finally get yourself financially organised for your future...

...then this may be the most important newsletter you ever subscribe to! 

Whilst we can't offer you a money back guarantee (as we're not asking you for money), Graeme and I stand behind all the strategies that you're going to either learn about for the first time or improve your knowledge.

I appreciate you may already be using the services of a good financial adviser. The Financial Tips newsletter is not designed to replace your adviser, rather it's here to provide you with up to date strategies that you can use in conjunction with your adviser.

We look forward to welcoming you to the Financial Tips Newsletter!

Kind regards,

Ray Prince

Financial Planner
 

PS  There really is no risk involved when you sign up to the newsletter. If you don't want to stay as a subscriber you can click the link at the bottom of any issue and you'll be removed from the list.