Finance

Financial Planning in your Forties

Financial Planning in your Forties

The forties is a crucial decade to take a step back and make sure your finances are on track to meet your goals. Have you planned for the future?

Professionalism in Financial Services?

Professionalism in Financial Services?

Within financial services the debate continues about whether those who work in it are working in an ‘industry’ or a ‘profession’, predominantly because of its obsession with sales (of policies or this quarter’s next best thing in investment funds).

Growing and Protecting Your Money (Part 2)

Growing and Protecting Your Money (Part 2)

In Part 1 we looked at the impact of time and quantum in building savings and investments to best equip you for life’s journey and to ensure you combine liquidity with returns in excess of inflation, to ensure you maintain buying power. In Part 2 we are looking at how to best use capital markets to give you the returns you need to maximise the chance of living life as you want to, at a level of risk that will not keep you awake at night.

What does "Chartered" mean and why use the term?

What does "Chartered" mean and why use the term?

You may have heard of financial firms and individuals being Chartered and wondered what it means. A Chartered professional, in any field, can be described as ‘someone who has gained a specific level of skill or competence in a particular field of work, recognised by the award of a formal credential from a professional body’.

What Unknown Risk Are You Taking

What Unknown Risk Are You Taking

It is often the case that advisers, brokers, fund managers and their clients do not fully understand the degree of risk they are taking, particularly following sustained periods of benign market conditions, such as those we are currently experiencing. With that in mind, I thought I’d provide you with a timely piece of poetry.

Case Study: Meet Tony and Patricia

Case Study: Meet Tony and Patricia

“We are exhausted, fed up and would retire tomorrow if we thought we could afford to“.

This was pretty much the first sentence in a conversation I had some years ago with new clients who ran a business which demanded all of their time, with very little respite. Both in their early 60s and having worked every day for the previous 30 years, they were both pretty much at the end of their tethers.

Gross Income Takes Over from Net Return in the Buy To Let Sector

Gross Income Takes Over from Net Return in the Buy To Let Sector

A new ruling which may have been overlooked is that of mortgage interest relief for mortgages in the Buy To Let (BTL) sector. This is now an income reducer as opposed to reliever. As you may know this is currently being phased in.

Spring Statement Overview 2018

Spring Statement Overview 2018

There may not be a Budget in its usual time slot this year but we’re not missing out on fiscal information as the Chancellor delivered his first Spring Statement to Parliament yesterday.

Why Financial Goals Alone Are Meaningless

Why Financial Goals Alone Are Meaningless

Throughout life we grow up hearing about the importance of setting goals. Right from being children we are encouraged to select study options for future career ambitions, which we may grow to not desire. Goals are evidenced in all the choices we make, whether it be supporting our children to establish themselves, choosing the right house type and location to call home, picking a vehicle to drive, positioning a business for sale and even to planning for retirement. The list goes on!

Welcome Our New Financial Planners

Welcome Our New Financial Planners

Following on from successful growth in 2017, we have recently recruited two new Planners to work alongside our existing team of 5. This expansion is in response to steady company growth over the past year and continues our ambitious plans in looking to expand all operational departments and service capability over the coming years.