There has been a lot of focus on investing for income over the past couple of years. This is mainly because income levels (yields) are generally down on where they were a few years ago. Dividends are lower because companies … Read more →

There has been so much written and debated about whether you should invest in lower cost passive funds or higher cost active funds. If you have a financial adviser then it will be the cornerstone of the every piece of … Read more →

I have been thinking about how to raise standards in financial advice recently and how this relates to professionalism. To me being a true professional is about having a passion for what you do, so much so that you want … Read more →

It probably comes as no surprise to learn that saving for retirement is woefully low on the list of priorities for most people in the UK. In one sense it is understandable. The cost of living is high and getting … Read more →

By now almost all of you will be used to getting a reminder through the post to renew your insurance and a convenient renewal price from your insurer. They usually tell you to simply call to renew your policy, or … Read more →

Following the markets is exciting. They go up, they go down they go all around and they end up spinning us all into a state of wonder. We see movies made about traders, brokers and money makers.It is slick, quick … Read more →

The fact that everyone pays for financial advice is still woefully misunderstood in the UK. Thankfully this will be coming to an end on 1 January 2012 when commissions will be banned and fees will become compulsory. Consumers are still … Read more →

It is a natural question to ask I think. If you are wise enough to spend money on the thing you probably want most (retirement), i.e. not to have to work again, then you are most likely going to use … Read more →

Not a lot of people know the difference between an annuity and a pension. This is probably why pension advice is the most popular need for advice in the UK. A ‘pension’ is the generic term used to describe retirement … Read more →

You probably know that the pensions rules are always changing and I guess that is why you are reading this. Speaking to a financial adviser for pensions advice without them trying to sell you a new pension is damn near … Read more →