Where have the last 3 years gone?

August 16, 2019

Although this is a subject I have written about before, as Brexit still enters many of our conversations I thought an update would be good. … Continued

Pension contributions How much will I need in retirement?

July 15, 2019

One of our first questions when discussing individuals’ retirement plans is “How much income do you want when you retire?” Often this is met with … Continued

The criteria we used when selecting funds

June 17, 2019

In the last week or so there has been a lot of talk about Neil Woodford, but who is he and what criteria should we … Continued

Lifetime Allowance

May 16, 2019

I have said many times that it’s so important to have all your cards on the table for financial planning. Recently, I’ve seen a couple … Continued

Providing advice and personal solutions to your financial challenges

April 16, 2019

Over the years as an adviser I have seen many changes in our industry and have noted the change in focus from products to outcome, … Continued

Protection What if something happened to you?

October 14, 2018

I have often described our service as a sounding board. When we meet a client for the first time, we spend time discovering everything there … Continued

Shocked Are annuities a thing of the past?

September 14, 2018

Last week, I used the word “annuity”. When I saw the look on my client’s face, I realised that it had become a dirty word! … Continued

Retirement - one long holiday? Coming up to retirement?

August 16, 2018

At this time of year, many of us are returning from our summer holidays. I have heard retirement being referred to as “one long holiday”. … Continued

Generations Communicating across the generations

July 17, 2018

Of course there are always exceptions, but it seems that the internet has made the generation gap even wider. You might be interested in this … Continued

Nil Rate Band Understand the Nil Rate Band

June 17, 2018

With the average house price in Purley being over £600,000, it is very common for residents to have an inheritance tax (IHT) liability on their … Continued

GDPR GDPR: What’s it all about?

May 17, 2018

If your inbox is anything like mine, you have probably been receiving loads of emails recently from companies asking you to “opt back in” to … Continued

Pension contributions Pension contributions

March 17, 2018

With the end of the tax year looming, you might be wondering whether you should top up your Pension(s) before the 5 April deadline. ‘Pension … Continued

Female voter Women in financial services

January 17, 2018

This year is the 100th anniversary since UK women won the right to vote. But, since then, we have not moved as fast as some … Continued

christmas-and-new-year-shopping-picture-id618621186 (1) ‘Tis the Season to be Jolly

November 16, 2017

The Christmas season is one of my favourite times of the year, as it is for many people. However, it is easy to get caught … Continued

Mortgages Time to fix your mortgage rate?

October 16, 2017

With interest rates being at an all-time low, there has been a lot of talk about rates rising, especially now. The question you might be … Continued

Tax allowance Tax implications

August 22, 2017

Tax implications on your investments   When looking at different types of investment, you also have to consider the tax implications. In fact, you could … Continued

Image with man holding sign which says 'Are you covered?' When did you last review your life cover?

July 21, 2017

Many clients have approached us recently to review their life cover, perhaps inspired by all the tragic events that have occurred over the last few … Continued

Keeping your investments in tune

June 14, 2017

We recently rescued a piano, which was sadly rather out of tune. The piano tuner came today to tune it. To get it playing well and … Continued

Image of woman in a field of wild flowers Making dreams come true

April 19, 2017

“When can I retire?” “How much will I need?” “Can I afford to help my kids onto the property ladder?”   As financial advisers, these … Continued

City buildings night view How can an IFA help a business?

March 23, 2017

A few years ago, I met someone who had recently joined a company where the sole director was left in a coma following an accident. … Continued

Image showing a jar full of coins Managing Your Savings

March 7, 2017

Do you know how much interest you’re getting on your savings? Do you know how much would be protected by the FSCS (Financial Services Compensation … Continued

Image showing money being unlocked from a chain and padlock Don’t get ripped off and lose your pension!

January 18, 2017

Did you see the Panorama programme shown on the BBC back in July 2016, called Pension Rip-Offs Exposed? It revealed how some people have been … Continued