Does it matter if my financial adviser
is not independent nor impartial?

Ask yourself why a large number of wealth management companies give up their independence to vertically integrate their practice?

The answer is simple – to make more money. By giving up their independence and impartiality, they can make more profit by controlling the supply chain at every level of their business.

If a wealth management company tries to be all things to their clients - fund manager, administrator and financial adviser - what can they do about underperformance if they own the whole supply chain? How do they fire themselves if they don’t deliver?

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Does it matter if my financial adviser
is not independent nor impartial?

At SWM we demonstrate our impartiality by ensuring that the various components of our solutions are separate and can be replaced if necessary.

How do we do this?

  • Our focus is on advice and solutions - not sales.
  • We select independent research and specialist fund management firms who have the capability, expertise and tools to determine the optimal asset allocation to achieve the rate of return you require to meet the your financial goals.
  • We access best-of- breed asset managers, locally and globally.
  • Operate in a completely independent
    and transparent manner
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Does it matter if my financial adviser  is not independent nor impartial?

In contrast, at Stone Wealth Management, we fiercely guard our independence and impartiality, as we believe that non-conflicted advice will always be in the best interest of clients.

INDEPENDENCE

Advice

Administration
and Product
Platform

Research

research

In order to gain insight, it is worth remembering that there can be up to three different functions in a wealth management solution namely advice, platform for the investment vehicle eg (annuity, endowment UT , shares) and lastly the investment solutions itself both active and passive.

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How can I tell if my adviser is impartial and acting in my best interest?

Ask your financial adviser the following questions:

  • Are you incentivised to invest your money in “in- house” products?
  • What are the implications for my assets if I choose not to deal with you at a later date?
  • If as a consequence I am obliged to withdraw my assets, would there be any financial prejudice (including CGT)?
  • Does the company they work with have a parent company? If so, who are they? Is that parent company an insurance/investment company?