An extract of typical questions are listed below. If you do not find the answer you seek, please contact us; info [at] ap-advisers [dot] com
How much do I pay for your financial advice, and how do you charge for your services?
In most cases we charge our clients on a percentage value of their portfolios, typically between 0.5% and 1.0%p.a. We believe this is fair and transparent as both parties are commonly motivated to achieve portfolio growth, and in doing so, we are aligning common objectives.
What licenses do you hold?
AP Advisers is registered as an Investment Adviser with the Kanto Finance Bureau in Japan, #487. Individual advisers all hold qualifications in financial planning.
What services do you provide?
We offer traditional financial planning advice in the areas of accumulating wealth for future purposes like retirement, college fees, and general desire to save. For clients with accumulated capital we help them construct portfolios with the aim of achieving better returns or a regular income. We also give advice in the drafting of UK Wills, and mortgage finance for residents of Japan.
What is your advice to clients regarding investment risk?
It depends on the individual. We ask all our prospective clients to complete a risk profile questionnaire which helps us quantify a level of investment risk the person is prepared to accept. We then recommend a portfolio of assets which complements their risk profile which helps the client to accumulate or manage wealth in a manner in which he or she is comfortable.
How much contact do you have with your clients?
AP Advisers’ priority is to build long-term mutually beneficial relationships with its clients. This is achieved by regular face-to-face review meetings and the capability of on-line technology to keep them abreast of their portfolio performance and valuations.
What makes your clients' experience unique?
We give unembellished, honest, and straightforward financial advice. We believe in a transparent policy of ensuring clients understand fees, investment risk, and early exit implications before a client/adviser relationship is struck. We can also offer our clients unique investment strategies unique to AP Advisers which have proven to be very successful over the long-term.
Where do you meet with your clients?
With regard to prospective clients, we usually meet face to face to discuss their current circumstances and future objectives which is vital to any subsequent advice given. This can be either at our office or the prospective client’s office, home, or public space. Once they become clients, we offer secure on-line technology to help them track their investments, coupled with face to face meetings once or twice a year. Due to the transitionary nature of expatriate life, over 40% of our client-base is now residing outside Japan, but the relationship is easily maintained on-line, by telephone or with occasional regional overseas visits by our advisers.
Could I see a sample financial plan?
A financial planning report is issued after the initial free no-obligation consultation. The facts gathered in confidence at the meeting enable us to provide a personally tailored roadmap to help ensure our clients achieve financial freedom.
Why should I prepare a financial plan?
If you fail to plan, you plan to fail. Never is this more true of a person in mid-career who has yet to plan for retirement. It is not too late, but it is a much steeper hill to climb to achieve a comfortable retirement income. A mere 5-year delay, could mean that you need to double the amount you are saving each month for retirement. You are never too young to start a financial plan!