Why use a Financial Adviser

May 5, 2014 : 8:14 AM

Making sweeping generalisations about financial services and the financial advice industry I would say that it has become far harder to do business with far more stringent and costly regulations over the past few years. That has made many financial … Read more

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Double Nil Rate Band Available for IHT?

May 1, 2014 : 6:45 AM

The Government changed the Inheritance Tax (IHT) rules some years ago now to help people more easily plan to pass on their estate and avoid IHT. There is more information here: http://www.hmrc.gov.uk/inheritancetax/intro/transfer-threshold.htm The main change was that where previously each individual … Read more

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Timing the Market v Time in the Market

April 23, 2014 : 8:41 AM

The chart below is an excellent example of what spending time in the market with a good investment strategy will do for your investment returns. Market timing is just about impossible to achieve with regularity over a long period of … Read more

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How to Create Your Own Financial Plan

April 18, 2014 : 8:07 AM

Creating your own Financial Plan is relatively simple, in theory. You just work out what you want to do with your life, how you want to live it, what professional ambitions you have and how wealthy you want to be. … Read more

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Poor Endowment Maturity Values

April 10, 2014 : 8:09 AM

There are still lots of endowments coming up to maturity and plenty more to come over the next few years. The late ’80′s and early ’90′s were a time when endowments were a favoured option by many investors. With their … Read more

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Probate – what you need to know

April 6, 2014 : 6:40 AM

Probate is the process of administering the estate of a deceased person. Probate is not always required on the death of a person. It will depend on the assets owned by the deceased. If a property e.g. a home is … Read more

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Drawdown v Annuity – Pension Options at Retirement

April 2, 2014 : 6:16 AM

The recent Budget turned the Pensions world on its head by removing the obligation to buy an annuity and making the current flexible drawdown rules open to all from April 2015. I have been receiving lots of enquiries from people … Read more

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High Investment Returns – Necessary?

March 12, 2014 : 5:16 PM

High investment returns are courted by many an investor What if your investments never beat the markets but you still achieved all of your personal goals? This was the question put to us at a recent seminar and it is … Read more

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Carl Richards – Drawings

March 8, 2014 : 6:26 PM

Carl Richards is a Certified Financial Planner in the US. He produces popular drawings of financial situations that makes the complicated simple. You can see his famous drawings, which appear in the New York Times,  here: http://www.behaviorgap.com/shop/ Importantly, his company is … Read more

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Higher Rate Tax Relief on Pension Contributions

February 20, 2014 : 1:42 PM

Research by Unbiased.co.uk reveals that tax opportunities are being wasted each year, sometimes just because people are unaware of what they need to do, or can do to minimise the tax they pay. If you are a higher rate tax … Read more

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