How to Have More Fun and Meaning in Retirement A blank calendar filled with nothing but free time can be every bit as stressful as a packed work week. That’s the surprising fact that many new retirees confront after a few days of hitting the snooze button and puttering around the house. This is usually […]
View ArticleWhy, day in and day out, do you do the things that you do? Because you have to? Because you want to? Because you’ve had the same routine for years and you’re used to it? If you feel like your life is something that just happens to you, it’s time to reassess how you’re spending […]
View ArticleFinancial Planning, News, Pensions, Retirement, Tax Planning
Are you happy and content? We are generally wealthier than we were a few decades ago. Our standard of living has increased. Healthcare has improved. But we are no happier than we were back then… So where does that leave us – what should we do? How can we use the money we have to […]
View ArticleInvestments Establishing and maintaining an investment portfolio is often key to achieving financial independence. Experience, expertise and rigorous academic research are deeply embedded into our investment process. Why Invest? People are now living longer and working longer, it’s never been more important to make our money work for us, and investment is one […]
View ArticleI got asked this today by a new client. I wish I knew. Nobody does! Sure there are a million google opinions but that’s all they are; opinions. What we do know is that it will come. Stocks rise and stocks fall. If we look at the MCSI World Index between 1970 and 2012 the […]
View Article£94bn lost by holding money as cash A new report has revealed that the UK’s working adult population has missed out on a staggering £94 billion over the past five years through failing to invest in the stock market and holding their money in savings accounts. The figure comes from public policy think tank, The […]
View ArticleInheritance Tax Planning, Legacy Planning, Market Commentary, News, Tax Planning
New Main Residence Nil Rate Band Planning This will benefit individuals with direct descendants who have an estate, which includes a main residence, with total assets above the current inheritance tax threshold, or nil-rate band. What is the “Main Residence Nil Rate Band”? It will introduce an additional nil-rate band when a residence is passed […]
View ArticleWe’re well into the new year now and after President Trump’s inauguration on Friday past I thought it might be useful to reflect on the past year. In 2016, the UK market reached new highs and stocks in a majority of developed and emerging market countries delivered positive returns. UK investors with overseas assets benefited […]
View ArticleEstablishing and defining goals can be a daunting prospect for most of us. If you’re like me you tend to shy away from that and think about something else. Talking about the future in definite terms isn’t easy for many of us. Taking the time to think about the future in the distracted world we […]
View ArticleOver the years we have made a number of charitable donations but rather than continue on an ad hoc basis we are thinking of nominating one charity with a local presence for 2017. We think it would be good to make a meaningful contribution to one charity by donations and possible fund raising. We’d like […]
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