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Our story
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What you see is what you get. We’re a one-man band, here to significantly change your life for the better.
[/vc_column_text][/vc_column][/vc_row][vc_row content_placement=”middle”][vc_column][vc_row_inner content_placement=”middle”][vc_column_inner width=”1/2″][vc_single_image image=”5159″ img_size=”full” style=”vc_box_circle_2″][/vc_column_inner][vc_column_inner width=”1/2″][lab_heading title=”Colin Bates” css=”.vc_custom_1663921049657{padding-left: 40px !important;}”]Director and Financial Planner[/lab_heading][vc_column_text css=”.vc_custom_1752674817448{padding-left: 40px !important;}”]Email: info@chapter3fp.co.uk
Phone: 0161 541 2826
Just as they say about putting on your oxygen mask on the plane; before I could help anyone else plan their chapter three, I had to get started on my own!
Although I had spent a long time in the corporate world as a management consultant and accountant – my own chapter two – it felt like there should be something more.
My best experiences were when I used my financial knowledge to help the individuals and companies that I worked with. Chapter3 is the natural evolution of that process, applying my experience and expertise to coaching people and their families, helping them shape the lives they’ve always wanted.
I’m passionate about doing this; I enjoy making a difference for our clients and their families. It’s my own chapter three.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][/vc_section][vc_section full_width=”stretch_row” full_height=”yes” css=”.vc_custom_1605968196893{background: rgba(168,208,230,0.78) url(https://chapter3fp.co.uk/wp-content/uploads/2020/11/bw_geo_19.png?id=4969) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;*background-color: rgb(168,208,230) !important;}”][vc_row full_width=”stretch_row” css=”.vc_custom_1605967890565{background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}”][vc_column][vc_row_inner][vc_column_inner][vc_column_text]
Chapter3 Principles
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We’re evidence based
[/vc_column_text][vc_column_text el_class=”.title p”]Data-based decisions achieve better outcomes. Surprisingly, that hasn’t always been the basis of financial planning. Planners have often ignored evidence like the fact that active funds cost more while failing to outperform passive funds. All our investment decisions are backed by industry-leading research and take account of the latest thinking.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][/vc_column_inner][vc_column_inner width=”1/3″][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=”top”][vc_column_inner width=”1/3″][/vc_column_inner][vc_column_inner width=”1/3″ css=”.vc_custom_1605968321518{background-color: #f0f0f0 !important;}”][vc_column_text]
We’re always, and only, about lifestyle financial planning
[/vc_column_text][vc_column_text el_class=”.title p”]“Fail to plan, and you plan to fail” is true of many projects you might pursue in life, but especially when you set out to create your chapter three. We always work backwards from the lifestyle you want, focusing our expertise on how to get you there.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes”][vc_column_inner width=”1/3″ css=”.vc_custom_1605968404810{background-color: #f0f0f0 !important;}”][vc_column_text]
We’re a personal financial advice firm
[/vc_column_text][vc_column_text el_class=”.title p”]We’re committed to working only with the right clients and the right number; we will work with forty to fifty clients at any one time, always on a bespoke personal basis.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][/vc_column_inner][vc_column_inner width=”1/3″ css=”.vc_custom_1605968399536{background-color: #f0f0f0 !important;}”][vc_column_text]
We’re completely ready for remote working in 2020 and beyond
[/vc_column_text][vc_column_text el_class=”.title p”]A world that looks very different needs a fresh approach to financial planning. Chapter3 has been fully remote from the start, so wherever or whenever you need us, we can be there, keeping costs low, and delivering your plan.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=”1/3″][/vc_column_inner][vc_column_inner width=”1/3″ css=”.vc_custom_1605968413634{background-color: #f0f0f0 !important;}”][vc_column_text]
Our work is fee-based, and that’s it
[/vc_column_text][vc_column_text el_class=”.title p”]We’ve designed a clear and transparent fee structure that works for everyone. You’ll see the details on our ‘How We Charge’ page. We’re committed to this because in our view it’s the best approach.
Learn more about how we charge >>>[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][/vc_column_inner][/vc_row_inner][vc_empty_space][/vc_column][/vc_row][/vc_section][vc_row][vc_column][vc_raw_html]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[/vc_raw_html][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
The value of investments may go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator of future performance
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