• 06 Nov 2019

    Introduction

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01
Oct
2020
0

Choosing the right financial adviser for you

Entrusting an adviser with your life savings or your children’s inheritance, without any shadow of a doubt, is a decision that most people do not take lightly, and certainly not without carrying out some level of due diligence.  Often a referral is how many find themselves working with the adviser, but there are lots of people who essentially need to ‘start from scratch’ and rely on other resources, such as the internet to find their adviser. The internet is a…

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25
Sep
2020
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Do I really need a financial adviser?

This is a question asked by many as often it’s difficult to see the value of financial advice, until you’ve experienced this for yourself.  There’s no doubt in my mind that working with a financial adviser can offer a number of benefits, and there are a number of reasons I can think of where it’s worth considering working with a financial adviser, including: We don’t always know what we don’t know.  We are tempted to follow the crowd. Individual investors…

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14
Aug
2020
0

Will capital gains taxes be hiked to pay for Covid and what could you do to minimise the impact on your finances?

Whilst the measures the government put in place to manage the impacts of Covid were necessary, and benefited a number of us, a question many of us is now asking is ”where will the government start in seeking to recoup the £190 Billion[1] of support it has given the economy to steer it through lockdown and beyond?” My bet is there may be a hike in capital gains tax, and there are a number of occurrences that have led me…

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13
Jul
2020
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PRESERVING YOUR WEALTH DEVELOPING A CLEAR PLAN FOR YOUR WEALTH AND PROPERTY

Whether you have earned your wealth, inherited it or made shrewd investments, you will want to ensure that as little of it as possible ends up in the hands of the taxman and that it can be enjoyed by you, your family and your intended beneficiaries. What are your wishes? Without an appropriate estate plan, if you pass away, your family may end up spending a substantial amount of time and money battling over your assets – and no one…

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11
Jun
2020
0

Two quick and easy financial wins during lockdown

If you are using the downtime to get your finances more organised, here are two quick, easy wins that you can do right now. 1.Could you be owed part of the £20BN lost pension mountain? If you think you have a lost or unclaimed pension, you can contact the government’s Pension Tracing Service, which has a register of all workplace schemes. The ABI has also provided a guide on its website to help track your pension policies, gives tips on…

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21
May
2020
0

BEWARE OF PENSION FRAUDSTERS, SAFEGUARD YOUR HARD-EARNED RETIREMENT SAVINGS FROM COVID-19 SCAMMERS

Fraudsters are exploiting fears over the COVID-19 pandemic to target pension savers and investors. The Pensions Regulator, the Financial Conduct Authority (FCA) and the Money and Pensions Service have issued a joint statement urging people not to make rash pension decisions in the wake of the global pandemic, as criminals try to exploit public fears over the market turmoil to dupe victims out of their cash. PERSUADING YOU TO TRANSFER YOUR PENSION POT Scammers will make false claims to gain…

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09
May
2020
0

Covid 19- Protecting your family’s finances

The environment that we currently find ourselves in provides us with an opportunity to take stock of a lot of things. One of these things is our finances and particularly our own personal finances. An important aspect of this is life assurance. I don’t know about you, but I’m being bombarded by advertising when I’m on social media from life assurance companies trying to sell different policies. What is interesting is there are lots of new companies out there, including…

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09
Apr
2020
0

What should you be doing right now!

This is exactly why I left a successful career in law to become a financial adviser… It is at times like these, when there is widespread panic in relation to health and personal finance that I am reminded of why I chose this noble profession. Having run my own business for the last 18 years I am all too familiar with the ups and downs and everyday challenges that being a business owner brings. When you add to that the…

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19
Mar
2020
0

Remaining calm in times of uncertainty

By Marc Burman, Partner at Foster Denovo. There are a number of business owners out there who are panicking right now as the current climate has led to a number of people feeling that they need to take some form of action, particularly in relation to their investments.   This will mainly be DIY investors who feel the need to sell their investments which is not always the best approach. There is now a sale on in the market and,…

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03
Jan
2020
0

‘SLEEPWALKING’ INTO RETIREMENT …. How Much Will You Need To Save To Afford A Comfortable Retirement?

There is a widespread and common-sense-based perception, backed to some extent by evidence, that planning and preparing for later life is associated with increased well-being in older age. Despite this, it’s concerning that some people at mid-life have not thought much about their later life nor taken fundamental future-oriented actions, such as engaging in financial planning or writing a Will. New research [1] highlights the fact that millions of mid-life UK employees are sleepwalking into retirement. The study, which looked…

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