Welcome
Financial Planning is usually other people managing your money. Typically, the process goes like this:
Unfortunately, whether or not you make money isn’t important — they received their fee. Worse still, you had no control on a day-to-day basis and no control over the good (or bad) decisions they made on your behalf.
Pension funds are a classic example of the type of large-scale mismanagement that is systemic in the industry. With up to 30-40% of your money going into commissions, fees, and charges and not into growing your capital it doesn’t paint a very good picture.
With YPC Wealth we’re bringing the best of both worlds together for our investors. We look for investments that work alongside your goals. You’ll remain in control but you won’t have to do the work. This is why we call it Financial Planning for Property Investors.
The first step is to prepare a detailed plan.
The Plan – Creating the lifestyle you’ve always wanted.
Being from a property investing background we understand the needs of other investors. This means everything is supported with a great deal of education in the form of our hugely successful blog, our seminars and workshops and most importantly, our famous one-to-one support.
The Strategies: how we’ll achieve your Plan’s goals…
It’s not good enough to just throw lots of your money at various products and tell you that you have a “diverse” investment portfolio. At least, not for us.
Proper financial planning is about choosing appropriate strategies that are going to work towards your detailed plan. Once we have your agreement on the plan that you want to achieve we then begin to break this down into individual strategies. It’s much like a buffet — we simply choose the strategies we need and leave the ones we don’t.
Each strategy will have its own products but most importantly, each strategy will have a huge amount of supporting education surrounding it so that you fully understand where your money is going and what we are trying to achieve. We want you to feel in control of your money without the day-to-day responsibility for its management. After all you have better things to spend your time on – like family and friends.
- Income Strategies – These strategies are aimed at generating income.
- Debt Reduction Strategies – These strategies will reduce your consumer debt (credit cards, personal loans and other non-investment debt) and in some cases investment debt (your home mortgage, buy-to-let mortgages and other investment related debt).
- Wealth Creation Strategies – These strategies will build wealth through a broad asset base including things like direct property investment, various funds, shares and stocks, and other regulated investment products. Depending on the products chosen they will work over the short, medium or long term.
- Retirement Strategies – These strategies will achieve a secure income in retirement. Many of the products attached to this strategy have some great tax benefits.
- Protection Strategies – These strategies will protect your assets and income allowing you to sleep soundly at night in the knowledge that you’re protected from whatever challenges life throws at you, you’re safe.
- Children Strategies – How best to pass wealth down to your children. These strategies will set the kids up with a fantastic asset base or income at the chosen time.
- Expatriate (Expat) Strategies – We work with many expats who want to build an asset and income base while they are away from the UK. These strategies incorporate all of the above strategies with the main added bonus that you won’t be responsible for the day-to-day management of your investments.
The nature of many of the strategies is they overlap and synergise, which is a great bonus as we go about achieving your plan. Read more about the Strategies …
Let’s take a look at the products.
The Products: how we’ll achieve the Plan for you
It’s our job to sort through the thousands of available products and present to you the ones that exactly match the goals in your Plan. It’s something we’re passionate about, and to make it easier to understand what’s available when you come to see us, you’ll notice that we’ve grouped our products into six categories: Save, Invest, Retire, Protect, Property and Educate.
Let’s take a brief look at them.
- Save – “Save” is all about the little disciplines involving smaller amounts of money for shorter periods of time. Once you build up your savings then it’s time to move to “Invest”.
- Invest – “Investing” is all about finding the products that match you plan in the short, medium and long term. We want returns but we also want certainty and control of your money.
- Retire – “Retire” is all about providing an income in retirement whenever you choose this to be. It’s about maintaining and even improving the lifestyle in retirement.
- Protect – “Protect” is about products that protect your assets, your income, your health, life, family and the plan.
- Property – What we’re most pasionate about – these products will allow you to invest in property either directly or indirectly. In some ways this could fall under the “Invest” group but we feel it’s so important we’re created a separate product group for it.
- Mortgage – Money’s a central part of any plan and therefore we have the team to be able to provide the funds in the form of either bridging finance or mortgages.
- Educate – No financial plan would be complete without the education that needs to sit alongside the products. Educate is about providing all the education you need to make fully informed decisions. It’s about making sure that you maintain control of your money at all times, but also understand the potential and the risks.
Let’s now take a look at the team you’ll be working with.
YPC Wealth and the YPC Group
When you work with YPC Group, you’ll join a group of over 20,000 people to whom we’ve been providing property and financial services to since 2004. Our free newsletter ‘Set and Forget’ investment newsletter goes to over 20,000 investors each week We also have a range of educational booklets, workshops seminars. The group has a team of over 35 and turns over £6 million per year.
Our Team of qualified and experience professionals.
Mick Rawlinson, YPC Wealth’s Managing Director has a wealth of experience in business and investment. Together with his team of qualified professionals you have all the support of the group as well as the personal attention of your individual financial advisor. All of our team have mobile phones even after hours as it’s often these times when you’ll have questions.
Our group’s philosophy is about involving you and empowering you. We’re property investors at heart and that means that we understand you want to feel in control.
That’s why YPC Wealth is Financial Planning for Property Investors.
Your first step is to give us a call or simply fill in this brief form and we’ll be in touch. We have a plan for everyone, no matter your situation, so give us a call on 0207 812 1255.
Live with passion,
Brett Alegre-Wood
Group Chairman
The Plan - Creating your lifestyle
The first part of any plan is to listen to your ideas. Our team is trained to ask the questions which helps you explain to us what it is you want to achieve.The Strategies - How we'll achieve your goals
It's not good enough to just throw lots of your money at various products and tell you that you have a "diverse" investment portfolio. At least, not for us...