We have become increasingly aware of companies marketing directly to the public and claiming that they can take money out of their pension before the usual retirement age of 55. Please please please exercise extreme caution – early access to pensions is rarely in anyone’s best interests. The FSA (Financial Services Authority) are paying close […]
View ArticleI deal with a lot of clients who are approaching retirement and need advice on how best to take an income from their accumulated pension and retirement funds. Very few people have the same circumstances and it’s essential to take advice at the right time because you’ve only one chance to get it right. Very […]
View ArticleI was asked on Friday by a trade magazine to expand on one of the case studies from our website. I’ve edited it for this blog post (Real names have been changed). Rob and Catriona are typical of many young couples I meet, enjoyig a high standard of living and little to no planning for […]
View ArticleI asked one of my peers in England for his thoughts on this recent program. He kindly permitted me to publish them in a blog post. (Thanks Abraham!) Channel 4 Dispatches on Annuity Mis-selling: A Simple Solution To A Big Problem One topic that has been in the media a lot lately is how people […]
View ArticleI was at a series of seminars in Birmingham last week. One of them discussed the different generational needs of clients. Many of our clients are Baby Boomers (born 1946-1964) with an increasing number in Generation X (1965-1979). I am part of Generation X and my wife is Generation Y. Our two children belong to […]
View ArticleFinancial Planning, Inheritance Tax Planning, Legacy Planning, Legal, News
Recently a client passed away leaving behind his wife. Annie* and her late husband had known me since I was a baby and their children are also clients of our firm. As with many families it is often the case that one spouse “deals with the money” and Tom* had handled all of the finances. […]
View ArticleSome of you will know that for the past five years a few us head out to Spain for a few days to ride our motorbikes and do a bit of work for the world TV coverage of the WRC (World Rally Championship). Last year we took our offroad bikes and spent an amazing few […]
View ArticleMy wife asked me the other day about this while reading a lot of conflicting comments on one of her online “baby forums” – there seems to be a lot of confusion around this. What is it? Child benefit is currently paid at £20.30 for the first child and then £13.40 for each child after […]
View ArticleQuick update for those of you who’ve been asking about the recovery. I crashed the bike on 17th April 2013 and broke my pelvis, collar bone and sustained nerve damage to left arm. With a big thanks to Suzanne Harmer at Body Therapy NI I got to the gym yesterday, three months and a day after […]
View ArticleIt was not really a surprise that the Bank Of England base rate was held today at 0.5%. Rates have been low for what feels like an eternity and they’re likely to remain at this level for some time yet. The big news was the Monetary Policy Committee’s decision to inject an extra £75 billion […]
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