Financial Planning

Brick in the wall

I consider the UK State Pension to be a key component of my clients’ secure income in retirement.  Therefore,...


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Brick in the wall

I consider the UK State Pension to be a key component of my clients’ secure income in retirement.  Therefore,...

Financial Planning

The risks of pension consolidation

Bringing together or consolidating the various pension plans that you have built up over your working life into one...


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The risks of pension consolidation

Bringing together or consolidating the various pension plans that you have built up over your working life into one...

Financial Planning

Do I need to reposition my investments prior to 29th March 2019, BREXIT?

Often the inference of this question is that the current investment strategy is not or will not be fit...


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Do I need to reposition my investments prior to 29th March 2019, BREXIT?

Often the inference of this question is that the current investment strategy is not or will not be fit...

Financial Planning

What is a Bond?

Bonds come in many shapes and sizes and may or may not be suitable to your circumstances. “Bond” is...


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What is a Bond?

Bonds come in many shapes and sizes and may or may not be suitable to your circumstances. “Bond” is...

Financial Planning

Mind the gap!

Are your finances arranged in such a way that £1,000 per week for the cost of funding nursing home...


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Mind the gap!

Are your finances arranged in such a way that £1,000 per week for the cost of funding nursing home...

Financial Planning

Plain “Vanilla” Inheritance Tax Planning

So, what inheritance tax saving schemes will be withdrawn when the Office of Tax Simplification (OTS) delivers its report...


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Plain “Vanilla” Inheritance Tax Planning

So, what inheritance tax saving schemes will be withdrawn when the Office of Tax Simplification (OTS) delivers its report...

Financial Planning

Procrastination is the thief of time

I don’t need to save towards my financial future now, there’s plenty of time to do that later! If...


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Procrastination is the thief of time

I don’t need to save towards my financial future now, there’s plenty of time to do that later! If...

Financial Planning

It’s still OK to do Film Studies!

“My children will individually be £50,000 in debt at the end of their three year university degree. They will...


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It’s still OK to do Film Studies!

“My children will individually be £50,000 in debt at the end of their three year university degree. They will...

Financial Planning

Pension freedoms: Should I stay or should I go?

What does flexibility, freedom and choice in terms of financial planning mean?  I take this to mean, I can...


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Pension freedoms: Should I stay or should I go?

What does flexibility, freedom and choice in terms of financial planning mean?  I take this to mean, I can...

Financial Planning

How much do you need in your “sweetie jars”?

The earlier in age you start saving the greater the prospect of accumulating a sizeable sum of money for...


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How much do you need in your “sweetie jars”?

The earlier in age you start saving the greater the prospect of accumulating a sizeable sum of money for...

Financial Planning

Peer to peer lending – better than cash rates, worse than cash risk

With rates of return on cash still at a low point and with little prospect of an immediate interest...


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Peer to peer lending – better than cash rates, worse than cash risk

With rates of return on cash still at a low point and with little prospect of an immediate interest...

Financial Planning

Individual Protection 2014 – deadline approaching

The change to the pension Lifetime Allowance (LTA) from £1.25m to £1m has been widely reported, as has the...


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Individual Protection 2014 – deadline approaching

The change to the pension Lifetime Allowance (LTA) from £1.25m to £1m has been widely reported, as has the...