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December 2025 | Gazette Life | 13As we come to the end of another year full of twists and turns, we thought it worthwhile to recap on four key elements that will give any investment the best chance to prosper as we move into 2026. Logic Financial Consultants are fully regulated & licensed financial advisers, covering the Costa Blanca, Murcia and Canary Islands. We can travel to you, or you can visit our office at Calle Andres Lambert 24, 1B, J%u00e1vea.%u2022 Tel: 965 020 444 %u2022 Email: info@logicfc.com %u2022 Web: www.logicfinancialconsultants.com4 considerations for your investment portfolio%u2022 Investment strategy: What is your chosen investment objective? Are you looking for income, capital growth, or a combination of the two? Do you have a preference for active or passive management? What is your time horizon for investing? Tip: It is important to know why you are investing and what you are looking to achieve with your money. Those that rely on income from their portfolios will generally take a lower-risk, shorterterm view to investing, whilst those not reliant on income and looking for capital growth only can generally afford to take more risk, with a longer timeframe in mind. %u2022 Risk: How much risk are you prepared to take to meet your objectives? How much risk do you need to take? Have you completed a recent risk profile assessment with your adviser? Have your underlying funds been reviewed to ensure they remain in line with your attitude to risk?Tip: It is very easy for a portfolio to stray from its originally intended risk if left unmonitored. There is also a key discussion to be had between the risk an investor is prepared to take and the risk an investor will need to take in order to meet their objectives. An in-depth risk analysis of a portfolio and cashflow modelling (backed up by numbers) can help demonstrate this. %u2022 Cost: Are you aware of the cost implications associated with your portfolio, both for the provider and underlying funds? Do you understand how this can significantly affect the net return you see on your portfolio over the long-term? Are you locked into a charging structure with your current provider for %u201cx%u201d number of years?Tip: You may be surprised to learn that the price you pay for holding an identical investment product can differ significantly depending on which financial adviser you use. Whilst a difference in yearly fees of say, 0.50%p.a. may seem innocuous at outset%u2026 it can have a massive impact on the net returns an investor would see over the long-term. Pay special attention to the costs of the product and underlying funds, as the last thing an investor wants is to be achieving a decent gross return but seeing half of it swallowed up in fees.%u2022 Communication: Have you had conversations with your adviser on the 3 points already mentioned above? Are you kept updated on a regular basis? Do you find it easy to contact your adviser and/or investment provider? Tip: Transparency and regular contact are key factors in establishing and maintaining an effective client/ adviser relationship. Having one point of contact and knowing who you are dealing with lends itself to building a solid relationship based on a firm level of trust. At Logic, we pride ourselves on our award-winning client service and as a family-run business, our clients know who they are dealing with at all times. We regularly run client portfolio reviews and can help clients understand the risks and costs associated with their investments, ensuring they are in the most appropriate position to achieve their financial ambitions. Merry Christmas & Happy New Year!Your award-winning, family-run business.The advisers are Logic Financial Consultants are fully regulated and licensed by OpesFidelio who are a trademarked network of Aisa International, s.r.o., regulated by the Czech National Bank to act as an independent securities trader (MIFID) and as an intermediary for Insurance within the EEA. Aisa also holds licences for Supplementary Pensions Savings and Consumer Credit | The company%u2019s Identi%u0086cation number is 282 24 981 and can be found in the web app at www.cnb.cz OpesFidelio and its Trademark are certi%u0086cation marks owned by Aisa Ltd who permit the use of this Trademark in the EU.Professional, Trusted Financial AdviceGuiding you to a future of financial securityWith over 45 years experience, fully regulated Logic Financial Consultants offer clear financial advice on; %u2022 Investments %u2022 Pensions %u2022 QROPS/ QNUPS %u2022 SIPP%u00b4s %u2022 Cross Border Tax Planning %u2022 Inheritance and Succession Tax %u2022 Modelo 720 Asset Declaration.Email: info@logicfc.com www.logicfinancialconsultants.comIan Whitby DipPFS 634 706 748George Whitby DipPFS 696 513 955Joe Whitby 965 020 444Why not call for a free no-obligation consultation?Joe, Ian and George