2021 is here!

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

New Year’s Resolution

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

Considering your Lifetime Allowance

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

Take care of the pennies

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

Work smarter not harder

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

Time to review your pot?

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

Setting achievable goals

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

Coronavirus and savings Coronavirus and your money

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

How much cover do I need? How much cover should I have?

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

post-lockdown review Post-lockdown

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

Risk and reward Risk vs reward

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

Goals Reviewing our goals

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

keep calm and carry on Keep calm and carry on

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

What is an ISA What is an ISA?

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

A financial education

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

Can you afford your care?

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

Cashflow pllanning for Christmas Cashflow planning

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

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