What’s missing from your money?
Ever since money was invented, humans, unlike any other living species, have to pay to live on earth!
How money comes, how you keep it and how it goes are really important issues for you. You’d like help from people who know what’s best. And you’d really like that helping hand to act in your best interest, right? Well right now, as you read this, such help doesn’t exist.
There’s a group of us operating behind the scenes to bring it to you. But it could take us 20 to 50 years to change things.
Until then, assuming we make it till then, how do you cope, what can you do, who can you turn to?
Well that’s what this is about – I call myself the financial life coach, or fiduciary.
What’s that then?
In a fiduciary relationship, one person, in a position of vulnerability, justifiably vests confidence, good faith, reliance, and trust in another whose aid, advice, or protection is sought in some matter. In such a relation good conscience requires the fiduciary to act at all times for the sole benefit and interest of the one who trusts.
To better understand the fiduciary relationship, let me explain where it does not exist, though you would think it might. You’d expect it.
The financial services industry does not offer it. The people who run the industry place profit, their profit that is, before principles. To keep it simple, let’s refer to them as greedy bankers.
I’m doing what greedy bankers would be doing if they weren’t being so greedy.
I call myself a financial life coach. The word Fiduciary is not such a familiar term. It’s not a term you hear every day. Why would it be? Greedy bankers prefer to keep it that way.
I would call myself a financial adviser or financial planner. But those titles are already taken by non-fiduciary financial intermediaries. What I mean by that is product sales people.
Yes, their trade bodies, professional bodies and standards boards refuse to adopt fiduciary responsibilities in their codes of conduct. I know because I reviewed all 70 of them and presented a white paper to British parliament on the subject last year. I’m an ambassador for transparency, the paper is here.
These so-called advisers and planners are simply intermediaries between you and product providers. According to their regulator, the Financial Conduct Authority, they are giving advice on, dealing and arranging deals in and managing … investments. By investment, they mean giving your money to greedy bankers.
They are not … as advertised … advising you.
They treat your money as their client, not you.
They listen to you for 82 seconds before pulling out a brochure about your money.
Then they hand your life savings to greedy bankers.
People at the FCA had good intentions about changing things back in 2013; when under the description Retail Distribution Review, they banned commissions on investments. It all became a bit of a dog’s dinner really, as greedy banker lobbyists stepped in – laid off all the retail advisers – and renamed commission as contingent adviser charges for rich people and distorted the financial markets by exempting St James’ Place as a vertically-integrated firm.
Here’s the thing.
When it comes to financial advice … an investment is seldom the best solution or even an answer to your problem. In fact, in most cases it makes the problem worse.
Let’s see … when it comes to keeping your money safe, you give it away to a greedy banker!
They steal off the top and lie to you about how much they have taken. Don’t believe me? See our submission to British parliament on costs and charges then here.
What if … you invested in yourself instead? You invested the money so you no longer had to trade your time for money. You traded your knowhow instead. You created passive income from which you never had to, or wanted to, retire. You created income from what you know and are good at. What you love to do.
Your money avoids the greedy bankers.
Just in the same way that the best book to change your life if the one you write.
Bet on yourself.
All you’ve got to lose is your best life yet. So, go ahead!
Why is it the advisers and planners never mention that one?
Taking your money away to give to greedy bankers, shackled you to a life sentence on the treadmill of work existence; exchanging time for money, taking the bet you can buy freedom in the last 16 years when your time no longer has any use to them.
You’d like to avoid greedy bankers, yes?
You’d like someone who knows the score and is on your side, yes?
Well that’s the financial life coach.
Handing money over to not-so-greedy bankers, without recourse to layers of slice taking middlemen, is sometimes required to generate real returns on life savings. You are shown how to do this, it’s as easy as online banking.
The truth is. The rewards for investing in yourself mindful of the impact on people and planet can be ten-times more profitably in the long-term; as the firms of endearment studies reveal.
The best place to find a helping hand you can trust is at the end of your own arm.
Why’s this former banker any different?
Maybe, you think life coaches are all fluff and ten-a-penny. Everyone’s a life coach, right? Promising happiness … increased performance … improved relationships … anyone with a bit of NLP training. All useful, I’m sure … for the insignificant goals we set ourselves in our limited prison of conditioned thinking.
That’s not me.
I’m a master life planner with the biggest international life planning institute … I think it also takes insider knowledge of the greedy banker system to fully expand upon your biggest dream and move you along your plan in a physical, practical way in a material world.
Let’s face it. Life coaches miss out the money.
Perhaps you see me as a former financial planner and adviser.
The compliance department asked my firm to remove me from the FCA register as I was inactive. You see you are classed as inactive if after one week you have not handed your client’s life savings to a greedy banker. And inactive advisers have to be removed from the FCA register.
Don’t get me wrong. I’m highly qualified. Chartered Financial Planner, Chartered Insurer, twice winner of the British Insurance and Investment Brokers’ Association’s Broker Prize and twice winner of the Insurance Institute of Manchester’s Jubilee Prize Certificate for my performance by examination.
But if you’re shackling clients to the treadmill by handing over their life savings to greedy bankers once a week …
Let’s face it. Financial intermediaries miss out the client.
Potentially he’s one of those unregulated con men. There’s a £4bn per annum black market in the UK open for scammers of all description that are (deliberately) left out of scope by the UK regulators (they don’t want to upset the City and see their HQs move out of London). Flogging dodgy products. Getting rich at the expense of their clients promising some get rich quick scheme that you see all over the internet. Crypto currency, property management, land, hotel rooms, parking spaces, etc.
Pension busters promising illegal access to your pension pot, falsely claiming they’ve spotted a legal loophole. Taking a chunk in charges. And sticking the balance in some dodgy property backed scheme promising high returns for low risk. It disappears. Then HMRC hit you with a tax bill you are unable to pay.
That’s not me either.
I chase those guys and send them to prison. More about that here. And I’m the CEO of Asset Recovery Network (UK) Limited.
So, who am I?
I am what others are not. I do what others should be doing and don’t. I do it … because no-body else will.
If others were really helping you, there would be no need for what I do.
I make financial life changes for the better for you.
Completely on your side. Protecting you from greedy bankers and their agents.
I open your eyes to the greatest version of yourself.
I unmask the higher-way robbers.
Together, we put in place a solid plan to get you to where you were born to be.
Zero greedy banker products are sold in the process.
You need to be told the truth. You need to be told the secrets the greedy bankers didn’t want me to share.
Practical, down-to-earth, proven, tried and tested on millions around the globe, the best financial life planning system you will ever find.
Here’s my guarantee. If you should find a better one. Let me know. I’d like to shake their hand and pass all my clients to them.
What I do is hard. It’s humiliating, gruelling, punishing, draining, exhausting and most of all expensive for me to deliver. They call me Mr Ethical, the Robin Hood of the investment industry, sometimes even a loser and dreamer. I’ve sacrificed so much … they call me stupid!
I’d be one-million pounds better off had I remained in the banks.
See. Now even you think I’m stupid.
But here’s the thing …
If I don’t do it, who will?
If not me, then who? If not now, then when?
The naysayers say to me: “If I had half the brains you have, I’d be at it too. They’re all at it. It pays, and therefore works.”
I’m not born to be a greedy banker.
I’m born to help you.
When you ignore who you were born to be you suffer pain! Real emotional pain.
Society has many remedies to numb the pain and keep you in the rat-race. TV. Politics. Internet. Games. Drugs. Alcohol. Food supplements. Water additives. Chemtrails … the list goes on.
But, the best remedy is to face the truth.
Be who you were born to be.
What you give away, will be returned ten-fold.
Not just financially. You’ll …
enjoy wealth in every area of your life.
For the next 20 years plus of greedy bankers exploiting people and planet until the millennials arrive on the boards, all you have is me. On your side. Showing you how to beat the system.
You start by attending Born to Be. Tickets here. It’s free.
What’s missing from your money?
Learn more at www.academyoflifeplanning.com