Blog

February 10, 2021

There is always a time delay between writing this article and its appearance in print so I am writing this before Christmas, but I hear … Continued

December 18, 2019

I am sitting writing this article just before Christmas. Last week we had the General Election and whether we are happy or not with the … Continued

April 19, 2021

Spring is here and so we’ve just completed another tax year, and as Financial Advisers lots of our advice around this period is concerned with … Continued

April 8, 2021

Well it certainly looks as if our lives are going to gradually return to some kind of normality in the next few months as restrictions … Continued

February 16, 2021

This is a saying that I always think should apply to all aspects of our lives, including our savings. Although I think this rule is … Continued

February 10, 2021

The knock-on effects from the lockdown are impacting everyone in different ways financially. As I mentioned in previous articles there are some who aren’t going … Continued

Well here we are into the New Year and I am sure it’s not quite the start we had all hoped for. I think the … Continued

Most people I have spoken to have not found this year to be at all easy, although many have at least found some positive aspects … Continued

September 16, 2020

Financially, the coronavirus has affected each of us differently. For some it has been tough and very difficult. There are also those whose income has … Continued

August 17, 2020

The current situation with the coronavirus has made many people realise the importance of protection, as no one knows what’s going to happen to them. … Continued

July 16, 2020

Post-lockdown I know the last few months have been difficult for many of us and especially for those who have lost a loved one. I … Continued

June 16, 2020

A key role we have as advisers is to decipher how much risk our clients are willing to take. As a general rule of thumb … Continued

May 15, 2020

Life in recent weeks has changed for us all, with some affected worse than others especially those who have lost loved ones. I do think … Continued

March 17, 2020

Well just as we thought things were going to settle down after Brexit the coronavirus hit. There’s been so much information it’s hard to know … Continued

February 17, 2020

As I am writing this article what I term as our ‘mad season’ is just about to start. This is when we have many requests … Continued

January 17, 2020

Time and time again people tell me how little they understand about money, a matter that consumes such a major part of our lives and … Continued

November 21, 2019

Are you paying to have care, either in a care home or in your own home? How confident are you that your money won’t run … Continued

October 14, 2019

Well, the holiday period is over for most and it’s back to school. While thinking about what topics are seasonal, Christmas came to mind. My … Continued

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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