We advise investors. Investors have clearly defined goals like I want to educate my children in x years time, I need a retirement fund of y when I am 60 and I would like a second home in z years time.
These financial goals are SMART
Specific
Measured
Achievable
Realistic
Timed
This enables us to create a portfolio of investments which is matched to the goal or goals of the investor. The process of investing is all about the individual who's money it is.
With regard to "goals", this article may well apply to some potential clients [broken link removed]
From reading all the posts on this thread, a potential client could need a service between stand alone portfolio service at 2.5% and the financial planning service at €2000 + VAT ie they need advice but their situation is not as complex as the examples used to illustrate the financial planning service.
Is there such a service available and if so at what cost?