Curated Financial Advice: The John Lewis of Financial Planning

As a Chartered Financial Planner, one question I often encounter from clients is why they should consider restricted advice when the press frequently champions the use of Independent Financial Advisers. I like to think of restricted advice not as limited, but rather as 'curated'—much like the shopping experience at John Lewis.
 
Imagine walking into John Lewis. You're greeted with a selection of products that, although not as extensive as Argos or Amazon, have been meticulously chosen by expert buyers for their outstanding quality and value. This is the essence of curated shopping and, by extension, curated financial advice.

Why Curated Advice Makes Sense

That's much like our approach, which draws on the expert research and governance of Quilter Financial Planning. 

Quilter Financial Planning's research starts with the whole market and, through an extensive and meticulous selection process, arrives at a researched panel of providers and investments. This means that when we offer advice, it's from a panel that has already been vetted by experts, ensuring you receive top-quality recommendations that are cost-effective.

The Ginkgo Difference

By leveraging the expertise and buying power of Quilter Financial Planning, we're able to drive down costs with selected providers, passing on the benefits of lower costs and great value products to you. This is the Ginkgo difference—providing you with the reassurance of third-party experts and the flexibility to still opt for solutions from the wider market if needed.

The Expert Process Behind Our Advice

Quilter Financial Planning's robust governance framework and investment research process are what make our curated advice trustworthy. With an Investment Oversight Committee and an Advice Investment Proposition Forum that includes independent industry experts, we ensure that the solutions we recommend align with your interests and needs.

Curated vs. Independent: A Matter of Choice

It's important to note that both restricted and independent advisers are equally qualified and offer the same quality of advice. The key difference lies in the tailored, carefully selected solutions that curated advice provides, designed to meet the majority of needs at a reduced cost.

In conclusion, curated financial advice is about quality over quantity. It's about ensuring that every recommendation is not just a product, but a solution that has been selected for its excellence and value—much like the products you find in John Lewis.

This document explains the benefits of restricted financial advice in more detail. And, as ever, if you have any questions, please do get in touch.
 

Daren Wallbank, FPFS
Chartered Financial Planner

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 17/07/2024