Have you ever wondered how advisers get paid, whether that’s your independent financial adviser or tied bank adviser? How do consumers pay for advice? It’s never free! Some of you might well have heard the phrase “The Retail Distribution Review” in the media over the past months. This is being introduced at the end of […]
View ArticleNow is the time to invest in an ISA An ISA-or Individual Savings Account-is a tax efficient way to save as you pay no income or capital gains tax on the returns you receive. It remains one of the taxman’s most valuable concessions to investors. LONG-TERM INVESTING STILL MAKES SENSE The past […]
View ArticleFinancial Planning, Inheritance Tax Planning, Investments, Legacy Planning, News
Found this video online – real people talking about their worst financial mistakes and what they wish they’d done differently. Well worth the 3 minutes it takes to watch.
View ArticleFinancial Planning, Investments, Market Commentary, News, Pensions, Retirement
A friend’s recent blog post resonated with my own thinking on how we spend our accumulated wealth. Often I meet wealthy clients with a very healthy and easy relationship with their money – it doesn’t have a hold on them. Other clients are afflicted by worry and a desire for more even though they want […]
View ArticleMany of us will insure what we own, from our car and TV to the family dog. Very few think to insure the cornerstone of their lifestyle – their income. Why bother protecting your income? Without it all your financial arrangements and plans will likely fail. Insuring your income is a keystone of most financial […]
View ArticleMost of you will have heard of Warren Buffett, one of the world’s richest men, and a very respected and seasoned investor. He’s usually worth listening to and I read some exerpts from his annual letter to investors in his company, Berkshire Hathaway. The original article can be found here. You cannot turn your back […]
View ArticleI was interviewed last week by the Independent on Sunday on whether or not clients are best advised to defer taking benefits from their pension. Every case should be considered individually but the following article which includes some of my comments should be useful: Independent on Sunday: Should I take my pension benefits now? By […]
View ArticleUnbiased.co.uk recently commissioned a report to see what consumer benefits there are in seeking independent financial advice (Full report can be found here). I was surprised that in Northern Ireland only 17% of the population use an independent financial adviser (IFA). Not many people would say that they are happy with the state of their […]
View ArticleInteresting stuff – give me a ring on 02870351164 or ping me an email david@gibsonfp.com to discuss:
View ArticleGreat Article from MarketRiders: “The law of compound returns is a force of nature and understanding this concept is critical to your success as an investor. It is how the rich keep getting richer, but maybe not how you are led to believe. Simply put, the law of compound returns says money left alone creates […]
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