The Company
Transparency and fairness are the ethos that drive everything we do at Oak Barn Financial Planning. All work is carried out on a fee basis and the level and type of fee will vary dependent upon the type of work we are engaged to do. More information on fees is available on request.
Some clients choose to become private clients following the divorce settlement and benefit from a comprehensive and regular review of their financial situation. We also offer an investment management service that aims to deliver a successful investment experience, whilst controlling risk and minimising many of the excessive costs often associated with fund management. You can read about our investment philosophy
Investment Philosophy
The investment philosophy developed by Oak Barn Financial Planning is based on the science of capital markets. Like all good science this is an evidence based philosophy and formulated from research carried out by some of the greatest financial academics in the world, a number of whom have gone on to receive Nobel prizes for their work. Evidence in the scientific context has to be repeatable to confirm the theory, and we therefore have a very high degree of scepticism of fund management processes that prove not to be repeatable and rely mostly on luck.
The key elements of the philosophy are:
– a share price reflects what is known about a company at any moment in time. Such knowledge is limited to what has happened in the past and what may happen in the future is purely speculation. Evidence suggests that trying to successfully time investment markets is a largely pointless exercise and reliant mainly on luck. Hear the view of a Nobel Prize winner on this subject
is the discovery that won Harry Markowitz the Nobel Prize in Economics in 1990. Diversifying investment portfolios using different asset classes can reduce the level of risk and help to maximise investment return.
Small company shares (measured by their market capitalisation) have a higher expected return than large company shares
Lower priced, out of favour, value shares have a higher expected return than higher priced growth shares (measured by the ratio of a company’s book value to its market value)
– On average, actively managed investments underperform the market by a wider margin than passive investments. At Oak Barn Financial Planning we use index-tracker funds and other more advanced passive strategies as they are more likely to capture the market rate of return, as well as benefiting the investor by having considerably lower costs.
Welcome to Oak Barn Financial Planning
Oak Barn Financial Planning is a niche financial planning practice based in Godalming on the Surrey Hampshire border. We offer high quality financial planning to individuals and their families and have a particular specialism in advising people going through separation and family breakdown. This includes the complex area of pensions and divorce.
Thank you very much for setting out where we are now. I really appreciate you taking the time to do this as it is now quite clear in my mind. You have done an amazing job – worth a medal!
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