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The Stuff of Nightmares 
Reflections on the lesson from CP17/16 More ...
Short-Termism...again 
Follow-up to last week's blog More ...
How to lose your majority 
Election lessons for IFAs More ...
The Assessing Suitability Review 
There are lessons here More ...
Financial Crime + AML 
Flagging up the new guidance More ...
A strange interaction 
How 'thick' is your proposition? 
Quick-Start Your Proposition 
A reason to celebrate 
It's OK to be a capitalist 
The Case for Cashflow 
There's always a crash 
Somewhere, close to the brink 
The Persistent Elephant 
Mind the gap 
Merry Christmas 
The ease of negligence 
Brexit: we need entertaining! 
Red sky in the morning... 
Sustainable, or...? 
Advertising and Attention-Span 
Complexity + client understanding 
A world where nothing...quite...works 
Dreaming the dream 
Eve and the Apple
For goodness sake 
Too good to be true? 
Wake up to a new world 
Data in, data out 
Don't be like Yodel 
A little nostalgia is a good thing 
Welcome to my world 
Sorry to brag, but... 
Complaint-Management Models 
Intimations of mortality 
The wonderful world of regulatory permissions 
From alert to supervisory action 
Due-diligence, suitability and all that 
Regulation, the one-way street
The old ways persist
There is sweet irony here... 
'Wot's compliance ever done for us?' 
A man who made his mark 
Messy world planning 
Teabags and Data-Disconnect 
2016: Onwards and Upwards 
On 'Doing Network' 
Tis the season to be whinging 
Futile Forecasting Frustration 
On being deliberate 
Data Matters 
Over a lifetime 
Your money is safe 
What's going on at the FCA? 
The BT Engineer cometh 
Robot IFA, here we come? 
Rethinking the basics 
Independent...or what?
What you write matters 
Be careful out there! 
Crimes against information 
Realism not Cynicism 
A Question of Trust 
Choices, promises and client experience 
Where's Value? 
Just Say No 
Too bright to look at? 
Compliance + Subjectivity 
Fostering the critical mind 
The sidelining of the client 
There be Bear-Traps 
Threats to Sustainability 
2015, Looking Forwards
Merry Christmas! 
Regulation's working... 
Innovation and Self-Service 
The Challenge of Due Diligence 
The joy of Notes 
Re-Evaluating Rebalancing 
It's all joined-up 
Lights, cameras, action, EIS... 
Row over EU 'interim levy' 
Fences make uncomfortable seating
Adviser Mood Swings Need an Explanation
Choppy waters? 
 What's your number?
Freedom 
Independence...again
Is it a maze? 
The risk of risk 
Picking the winners 
All you need is love ...
CoCos...Pop! 
It's a State of Mind
Face to face with the FCA 
Surprised by excellence 
Afloat in the Sea of Ambiguity?
Independence +
Does A Fund's ACD really matter? 
The Future's Bright, the Future's Orange? 
2 + 2 = 4 (or does it?) 
What's smart about smart beta?
Even Marcus needs wellies 
PIMS and the place for products 
Ethical Professionals 
Trusted Adviser...or what? 
Never out of fashion 
Customer Service! 
Tulipomania! 
Adviser Charges - the FCA Thematic Review 
On Not Advising on Mortgages
Ennui about Annuities? 
Where there's a Will... 
Your Proposition 
Justifying our existence 
Getting there safely 
A Network perspective
How to look forwards
The point of promises
Auto-Enrolment Implications
Happy New Year
It's almost Christmas
Merry Christmas to All!
Behold...the new marketplace
What's your commute like?
The illusion of choice
The lust of the eyes
A legacy food nostalgia trip
A good read
A bit of fiscal responsibility
Risky business
Service, service + More Service
A salutary Tale
Sorry doesn't have to be the hardest word
RDR Charging - Media Reporting
Anticipating randomness
When Outreach is Underwhelming
Matching expectations
Uncertainty, planning, hedging
Who is being served?
Reasons to be grumpy
Adequate analysis
Client Reviews
Hey ho!

Independent advisers Welcome!

The news that most networks plan to make only Restricted advice available through their Appointed Representatives, and worrying financial results from other networks, shock the whole IFA community and have a huge impact on advisers committed to offering Independent advice to their clients.  

At ValidPath we are sometimes in competition for new joiners with these firms, and lose out, not due to cost (where we are frequently less expensive) but because we were perceived to be too small.  Larger firms provided reassurance to the advisers concerned, financially and in terms of allowing them to operate operate their preferred proposition.  Advisers will be less reassured now.    

ValidPath is a Network, and we're open for business for firms that really do want to stay independent in a post-RDR World.  Here's a few reasons why you might wish to consider us:

  • We are able to process new applicants rapidly - if you express an interest in joining us, we'll send you our leaflet summarising our requirements and, with the FCA operating efficiently, under normal circumstances we would aim to have you up and running in around 12-14 working days, although their approval process might therefore take longer and an official timescale of up to 3 months is usually quoted;
  • Our charges are modest - we've continuously worked to drive down our costs to help our Members deliver their services profitably;
  • Our charges are accountable - we run a quarterly review to ensure that we're not taking too little or too much;
  • Our charges are VAT-friendly;
  • We're independent - and committed to independence as a fundamental principle of what we're about - whatever the other professional bodies and other networks might say or do!
  • We're still here - after over 10 years of operating, we are still working carefully and responsibly with our Members, whereas during that same time many big names have gone to the wall, or been swallowed up by larger entities;
  • We've got a really great, shared I.T. platform that all our Members hook into - it covers all the critical functions of IFA business management, you can use it anywhere there's a broadband connection, and it is extremely inexpensive;
  • We've got a comprehensive compliance framework called The Best Practice Platform,  available in hard copy format and also available in bite-size chunks on our website;
  • We send out a monthly PracticeBuilder newsletter sharing insights into developing better, more sustainable, more compliant financial-planning businesses;
  • We operate a weekly commission run, and our team are brilliant at reconciling incoming commissions to your account;
  • We are continually developing new resources to help you operate more efficiently and profitably, for example the ValidPath Investment Proposition (VIP) which gives our members access to some of the lowest-cost range of risk-graded model portfolios in the UK, all within one seamless, easy-to-use framework, whilst still allowing each firm to develop its own proposition if you wish;
  • Yes, we are small, but we'd like to think perfectly formed.  In our ethos and financial management, we work hard to implement the principles of E. F. Schumacher, the great economist.

Who do we want as Members?

  • Firms committed to independent advice, and financial-planning;
  • Firms which are actively working with professional introducers, such as accountants and solicitors; and
  • Firms which share our ethical and professional culture and practices. 

If this sounds like the sort of network you would like to be part of, then call us on 02920 494495 or complete the enquiry form by clicking here.

Please download our summary of requirements for new joiners by clicking here.


Feedback:
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