Adviser Documents

Note: All the documents below are available for download and private sharing by HUM Premium members. We aim to add one document per month. Alternatively, individual documents can be purchased for £49 +vat.

10% Decline Communication

A template for communicating with clients when the market has declined by 10% (some are required to).

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Our First 12 Months

Reducing anxiety and setting expectations for new clients.

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Why We Focus on Total Returns

A template for explaining why you don’t follow a dividend yield investment approach.

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Invest By Sunset

A template for explaining why we don’t try to time the markets when investing lump sums.

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Time Out of The Markets When Moving Assets

Setting expectations when assets are transferred to a different provider or platform.

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You Will Likely Run Out of Money

Communicating the danger of continuing to draw more than what is sustainable.

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How Long Should I Invest This Money For?

Helping clients to understand the short-term/long-term tradeoff when investing.

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Client Disengagement Letter

A template letter for clients you don’t wish to continue advising, including those who have ignored your advice.

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Our Response to Doomsday Theories

Explaining why we won’t regularly be defending ourselves against doomsday predictions.

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Why We Never Time The Markets

An explanation for why we stay humble about the future.

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How Do I Take Profits?

A template for unpacking the misconceptions behind a client request to “take profits”.

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Stop Logging Into Your Investment Account

A letter to the client who can’t stop checking their account value.

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Why Invest if Cash Is Giving a Return?

Applicable during times of rising base rates.

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Why Is My Portfolio Not Beating The FTSE 100?

Defending a globally-diversified portfolio against a local index.

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Client Letter to Ex-Adviser

Helping your new client to fire their previous adviser.

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20 Discovery Meeting Questions

Questions to help you screen prospects effectively.

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A Tax Hit To Reset A Portfolio

Explaining to your client that they need to leave the “bag of spanners” behind, even if there’s a tax cost.

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Yellow & Red Cards That Could End Our Professional Relationship

Two versions for warning clients about your client standards.

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Additional Monthly Fee For Smaller Clients

Get remunerated by clients at the start of their wealth-building journey.

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