How We Work At The Spectrum IFA Group (Italy)

This document details the association between Spectrum, Spectrum advisers, and their clients. The word “Spectrum” refers to those companies and advisers that form area of the Spectrum IFA Group. 1/ Spectrum is self-employed; we aren’t tied to any Financial Institution. 2/ Spectrum doesn’t ask you for a fee. We are remunerated with commissions paid by financial institutions. Only when we have taken on the servicing of an existing contract, sold by another advisory firm, will we consider charging a service fee which will be negotiated and agreed in advance with our client.

3/ Spectrum bears out a full “know your client” financial fact-find to be able to determine and understand your present financial circumstances in addition to your own future plans, needs, and objectives. This consists of full “due diligence” in line with global and money-laundering rules as well as questions relating to your attitude to risk. 4/ Spectrum doesn’t handle your money.

  • The US extension is continuing without recession in view
  • Any additional income the property generates
  • Invest in a blue chip company that you are assured will be around a while
  • 9 years ago from Ohio, USA

All financial dealings are conducted straight between you and the financial institution concerned. 6/ Spectrum will explain to you (if relevant to the merchandise) that unit values can go down as well as up and that past performance is not necessarily a guide to future performance. 7/ Some investment money or products within the Insurance coverage may create yet another initial commission. If this is actually the case, we undertake to rebate this commission to you (in full) by way of increased allocation. In the event that a selected fund has an exit penalty, we will emphasize these penalties for you in writing.

If you’ve lost your lover (our deepest condolences), then find a person to go in with you and help you. Even then, do so only if you feel you really need the assistance or do not need to live by itself. 14. Don’t give up your hobbies. In the event that you don’t have any, make new ones.

You can travel, hike, make, read, dance. You can adopt a kitty or a dog, grow a garden, play cards, checkers, chess, dominoes, golf. You can paint, volunteer, or simply gather certain items. Find something you like and spend some real time enjoying it. 15. Even though you don’t feel like it, try to acknowledge invitations.

Baptisms, graduations, birthdays, wedding ceremonies, conferences. Try to go. Get out of the homely house, meet people you haven’t observed in some time, experience something new (or something old). But don’t get upset when you’re not asked. Some events are limited by resources, rather than everyone can be hosted. The main thing is to leave the homely house from time to time. Head to museums, go walk through a field.

16. Be a conversationalist. Talk less and pay attention more. Some people go on and on about days gone by, not nurturing if their listeners are interested really. That’s a great way of reducing their desire to speak with you. Pay attention and answer questions first, but set off into long tales unless asked to don’t. Speak in courteous tones and try not to complain or criticize too much unless you really need to. Try to accept situations as they are.

Everyone is going through the same things, and people have a low tolerance for hearing complaints. Find the right things to say as well Always. 17. Pain and discomfort go hand in hand with growing older. Do not dwell on them but accept them as a part of the cycle of life we’re all going through.

Try to reduce them in your thoughts. They are not who you are, they are something that life added to you. If they become your complete focus, you lose the view of the person you used to be. 18. If you’ve been offended by someone – forgive them. If you’ve offended someone – apologize.

Don’t move around resentment with you. It only acts to cause you to bitter and sad. It doesn’t matter who was right. Someone once said: “Holding a grudge is similar to taking poison and planning on the other person to perish.” Don’t take that poison. Forgive, ignore, and proceed with your daily life. 19. When you have a strong belief, savor it.