PUBLISHER’S ACKNOWLEDGEMENTS

We are grateful to the following for permission to reproduce copyright material:

Tables

Table 1.1 adapted from the Kinder Institute of Life Planning, which trains Financial Life Planners all over the globe using the EVOKE client process. Reproduced by kind permission of George Kinder and the Kinder Institute of Life Planning, www.kinderinstitute.com; Table 1.2 reproduced by kind permission of Maria Nemeth, Founder and Executive Director of the Academy for Coaching Excellence; Tables 2.1 and 6.3 courtesy of Morningstar, Inc. All Rights Reserved. Reproduced with permission. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; (3) does not constitute investment advice offered by Morningstar; and (4) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Use of information from Morningstar does not necessarily constitute agreement by Morningstar, Inc. of any investment philosophy or strategy presented in this publication; Table 6.2 from Dimson, E., Marsh, P. and Staunton, M., Credit Suisse Global Investment Returns Yearbook 2014, reproduced with kind permission of the authors; Table 7.1 from Big Society Capital Outcomes Matrix 2013, developed in partnership with New Philanthropy Capital, the SROI Network, Triangle Consulting and Investing for Good; Table 7.2 courtesy of Blue & Green Investor; Tables 9.1, 9.4, 12.2, 12.3 and 12.4 courtesy of Albion Strategic; Table 10.2 courtesy of the FTSE Group; Table 11.1 courtesy of the Association of Investment companies; Table 12.1 from Barclays Capital Equity Gilt Study 2014; Table 19.1 courtesy of Laing & Busson; Table 18.6 courtesy of London and Colonial; Table 21.2 courtesy of Canada Life; Table 23.1 from ‘Payback Time? Student Debt and Loan Repayments: What Will the 2012 Reforms Mean for Graduates?’, Institute of Fiscal Studies, April 2014, http://www.ifs.org.uk/publications/7165

Figures

Figure 1.1 is excerpted from Bill Bachrach’s Values-based Financial Planning book. It is provided courtesy of Bill Bachrach, Bachrach & Associates, inc., www.BillBachrach.com © 1996–2011 Bill Bachrach. All rights reserved; Figure 2.1 courtesy of Finametrica; Figure 3.4 courtesy of KMD Private Wealth Management; Figure 4.5 copyright © 2014, Financial Planning Standards Board Ltd. All rights reserved; Figures 4.7, 4.8, 4.9 and 4.10 courtesy of CEG Worldwide; Figure 5.1 courtesy of the Moneyfacts Group; Figure 5.2 reproduced by kind permission of Dr Jean-Paul Rodrigue, Department of Global Studies and Geography, Hofstra University; Figures 5.7, 6.12, 6.13, 8.2 and 12.1 from Barclays Equity Gilt Study 2014; Figures 5.17, 6.3, 6.10, 6.19, 6.24, 9.1, 9.4, 9.5, 10.8, 12.3, 12.4, 12.5, 12.6, 12.7, 12.8 and 23.5 courtesy of Albion Strategic; Figures 6.5, 6.6 and 6.9 courtesy of the FTSE Group; Figure 6.11 from Vazza, D., Kraemer, N., Gunter, E., Default, Transition and Recovery: 2011 Annual US Corporate Default Study And Rating Transitions, 23 March 2012. Published by Standard & Poor’s Ratings Services, a division of The McGraw-Hill companies, Inc. Standard & Poor’s Financial Services LLC (S&P) does not guarantee the accuracy, completeness, timeliness or availability of any information, including ratings, and is not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, or for the results obtained from the use of ratings. S&P GIVES NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. S&P SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, EXPENSES, LEGAL FEES, or LOSSES (INCLUDING LOST INCOME OR PROFITS AND OPPORTUNITY COSTS) IN CONNECTION WITH ANY USE OF RATINGS. S&P’s ratings are statements of opinion and are not statements of fact or recommendations to purchase, hold or sell securities. They do not address the market value of securities or the sustainability of securities for investment purposes, and should not be relied on as investment advice; Figure 7.4 courtesy of Blue & Green Investor; Figure 7.5 courtesy of the World Economic Forum; Figure 7.6 courtesy of Carbon Tracker; Figure 7.8 courtesy of Worthstone Limited; Figure 7.9 courtesy of Big Society Capital; Figures 9.2 and 9.3 courtesy of Savills Research; Figures 10.1 and 10.2 courtesy of The Vanguard Group; Figures 11.1, 11.4 and 11.6 courtesy of the Association of Investment Companies; Figures 11.2 and 11.10 courtesy of Fitz Partners; Figure 11.3 courtesy of ETFGI; Figure 17.2 courtesy of TAP Assist Limited, Auto Enrolment consultants www.SimplyEnrolment.co.uk; Figure 20.2 courtesy of the Independent Schools Council; Figure 21.4 courtesy of Speechly Bircham; Figures 21.9 and 21.10 courtesy of Canada Life ; Figure 22.4 courtesy of Octopus Investments; Figure 22.6 courtesy of London and Colonial.

Articles

Article on page 76 by Dunkley, E. (2014), ‘Management fees are high and still rising’, Financial Times, 21 June 2014; © The Financial Times Limited 2013. All Rights Reserved; article on page 156 by Cohen, N. (2013), ‘Making good and doing good’, Financial Times, 23 March 2013; © The Financial Times Limited 2013. All Rights Reserved; article on page 222 by Dunkley, E. (2014), ‘Investment trusts gear up before rate rise’, Financial Times, 12 April 2014; © The Financial Times Limited 2014. All Rights Reserved.

Other

The publishers wish to thank Dimensional Fund Advisors for permission to use their data in Figures 6.17, 8.1, 10.3, 10.4 and 10.5 and the FTSE Group for their permission to use data in Figures 6.6, 8.1, 10.3 and 10.4.

Figures 4.6, 6.1, 15.5–7, 18.3–7, 21.11–16, 22.3, 22.5, 22.7 and Tables 5.3, 15.1 and 18.2 were created by Bloomsbury Wealth Management for the purposes of this book.

Unless otherwise stated, all other figures and tables were created by the author.

In some instances we have been unable to trace the owners of copyright material, and we would appreciate any information that would enable us to do so.
 

The material in this book is based on the author’s understanding and interpretation of current UK legislation and practise (as at September 2014), both of which are subject to change. No material in this publication should be construed as financial advice as defined by the Financial Services and Markets Act 2000 (and as subsequently amended). You are strongly recommended to take independent and personalised advice from a suitably qualified and authorised financial adviser.