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).
Why We Focus on Total Returns
A template for explaining why you don’t follow a dividend yield investment approach.
Invest By Sunset
A template for explaining why we don’t try to time the markets when investing lump sums.
Time Out of The Markets When Moving Assets
Setting expectations when assets are transferred to a different provider or platform.
You Will Likely Run Out of Money
Communicating the danger of continuing to draw more than what is sustainable.
How Long Should I Invest This Money For?
Helping clients to understand the short-term/long-term tradeoff when investing.
Client Disengagement Letter
A template letter for clients you don’t wish to continue advising, including those who have ignored your advice.
Our Response to Doomsday Theories
Explaining why we won’t regularly be defending ourselves against doomsday predictions.
Why We Never Time The Markets
An explanation for why we stay humble about the future.
How Do I Take Profits?
A template for unpacking the misconceptions behind a client request to “take profits”.
Stop Logging Into Your Investment Account
A letter to the client who can’t stop checking their account value.
Why Is My Portfolio Not Beating The FTSE 100?
Defending a globally-diversified portfolio against a local index.
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.
Yellow & Red Cards That Could End Our Professional Relationship
Two versions for warning clients about your client standards.
Additional Monthly Fee For Smaller Clients
Get remunerated by clients at the start of their wealth-building journey.