Everything You Need To Know

– life vs product
– listens vs talks
– behaviour vs numbers
– clear vs vague
– plain English vs jargon
– transparent fees vs evasive costs
– probabilities vs certainties
– evidence based vs secret ‘sauce’
– calm vs urgent
– facts first vs opinions first
– “I don’t know” vs blagging
– written rationale vs ‘trust me’
– respects advisers vs criticises advisers
– growth & protections vs chasing returns
– professional vs sloppy

Everything You Need To Do

– ignore unsolicited approaches
– verify they’re legit
– get fees and scope in writing before committing
– first meeting questions
– pressure test