Personal Finance Director
About Us
About You
Clients, their traits, questions asked and examples of successes.
Contact Us
If you are interested in finding out more, please do get in touch.
Telephone: 01423 855 680
Email: info@bdbfinancial.com
We Believe
- Money in itself is neither interesting nor important, it simply enables you to do interesting and important things in your life
- Real wealth is measured in time and relationships NOT money
- We want you (the person) as our client, not your money
- Traditional Financial Advice doesn’t work
- We want to drive out unnecessary costs wherever possible from financial products, particularly investments
- We passionately believe in a passive approach to investing – we will clearly explain why
- Normal investment advice is “corrupt”
- Investing without a financial plan will nearly always result in an unsatisfactory outcome. The plan enables us all to see how hard your assets need to work and therefore what (if any) risk you need to expose them to
- “If you are planning to invest; don’t! Invest in planning”
- Financial Planning “Nirvana” sees the cheque to the undertaker bouncing
- Life is not a rehearsal
- Life is not a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming: “WOW - What a Ride!”
What Our Clients Say
[BDB] does all the research so I don’t have to – and has made solid recommendations on how best to allocate my assets between classes, and then where to invest to meet my risk profile. They take a load off my mind and to do list – and finds investment opportunities and products that I simply wouldn’t find myself
Oliver Meakin, Senior Retail Executive
I have always found your advice to be both relevant and practical. Your future financial modeling tool is invaluable for making future financial and lifestyle decisions
John Berry, Company Secretary
I didn't realise I needed a personal finance director until I met Tim, he has now advised me for for over 7 years. The insights and approach are invaluable for taking control of your personal finances and therefore life choices!
Nick Beighton, Retail FD
BDB provide a balanced outlook on life, starting with the big picture life goals and working back from there. The lifetime cash flow is an exceptionally useful tool to understand where you are and what you need (or don’t need) to achieve financially. The team provides regular and proactive contact, and engage with all interested parties, including my partner
Jon Kamaluddin, International Director
Andrew, Tim and their team have, over the past few years, done a lot for me (as the archetypal passive investor) to take the pain out of financial planning. Even in choppy financial seas their advice has remained sensible and pragmatic
John Leake, Lawyer
Thank you so much: our last two meetings have been life changing. I now have choices I did not believe I had before. The knowledge I now have will really assist me to structure my business to my (and of course my family’s) benefit.
Jonathan Winston, Business Owner
I thought I was in control of my personal financial management, pension, tax, property investment etc, but the reality was that I was not adequately planning for the future and had not properly thought through the level of risk I was prepared to take to maximize return on my investments. The team at BDB have helped me better understand what I need to be planning for in the future and therefore the investment decisions I need to make now
John Cleland, Chief Executive
Thank you - we were immensely impressed by the efficient and expedient manner in which you resolved our recent issues. Your proactivity meant that any problems were often already resolved before we knew about them! The end result was that your advice has proved invaluable to the continuation of our business and in helping secure our personal financial future.
Using the lifetime cash flow tool I can be happy that we are living sensibly within our means and will be able to do so in the future. It also graphically underscores the benefit of putting our real needs ahead of simply trying to maximise profit for profit’s sake. Unnecessary risk is eliminated
Roger Huggins, Book Publisher & Executive Director, Anova Books
Thank you for all your help, you are so skilful in your role that you make it look as if I am the only person you look after. A great skill! Yes, I am starting to see the wood for the trees and a little SIMPLE light is appearing at the end of the tunnel
Hossain Rezaei, Chairman