Divorce is one of the most difficult subjects to talk about. The emotional upheaval of divorce can be difficult to deal with. So too can the financial implications. When relationships end, there are so many things to consider. Children, home, and support are the first things you focus on. When you begin the process of
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Getting the most out of life can be like climbing a mountain. The goal is to reach the peak and hoist up your flag. The journey will be challenging, so you need to be passionate about it. Most financial plans involve investing and markets always have difficult periods. It is essential to have something to
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Over time, those who have invested money into the world equity markets have generally done best. However, investing our hard-earned money, and the risks involved, can make any of us feel nervous. Any decision you make involves risks. The decision to invest is no different. Whatever you invest will go down in value as well
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Proposed rules mean solicitors must increase their due diligence on whoever they refer to. So, what does this mean for law firms? The Solicitors Regulation Authority (SRA) urges firms to have a holistic picture of their client’s needs. Part of this is having formal relationships with financial planners such as ourselves. There are clear links
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The start of the new year is the time when tax planning comes to the fore in the financial planning calendar. It gives enough time to put anything in place before the end of the tax year on April 5th. But does the General Election on 12th December mean tax planning should take place early?
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Doing the right thing with your pensions is not always easy but it has become much harder for members of the NHS pension scheme. Many have incurred tax bills through no fault of their own. Some are opting out of their pension schemes altogether to avoid tax. Giving up the lucrative benefits afforded by the
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Many of us go to great lengths to protect what we have while we are here. We put in alarm systems, smart doorbells, thick locks. However, most of us do not do anything about protecting what we have when we are gone. A new survey by the British Heart Foundation found 61% of people do
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Our portfolios incorporate how to maximise the chances of long-term investment success. This means nothing if we do not invest for the long term. We built our investment process on the belief that over the long term, the global economy will reward those who invest in it with suitable returns. We also believe the investment
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We can get the answer to just about anything in a few clicks. However, the difference between getting a solution and the one which is right for you can be huge. This difference is where the value of good advice is. The truth is everybody would probably benefit from financial advice in some way. Saving
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We covered how we decide where our clients should invest in an earlier post. Now we move onto what to invest into. We believe where to invest is the primary consideration when making investment recommendations. However, what to invest into is also important. Rather than buying a bunch of shares, bonds, or properties, we recommend
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In a previous post, we explained the guidelines clients should invest by. We will now start to explain how we put this into practice for clients. A lot of financial industry talk can lead you to believe there is a “perfect” recipe for what you should invest in. Sadly, you can only know the perfect
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Financial planning is key to resolving worries about money. It may be useful to think about financial planning in terms of some common concerns: Will we be able to support our current standard of living in retirement? Can we manage financially if one or both of us needs long term care? What happens to my
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If something were to happen to you, the last thing you want is to be worrying about money. Financial planning is not just about getting what we want from life. It is also about protecting our loved ones. We do not like to think about illness and death but ignoring them can have severe consequences.
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Lifetime financial planning done correctly has to include a fluid financial forecast created using sophisticated planning software. We take a snapshot of your financial situation and project this forward year by year. The process is only as comprehensive as the information we put into it. The more information we put in, the better the output. The
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We have spent considerable time and effort in building a portfolio construction process sitting at the forefront of the profession. Its genesis lies in answering a simple question: ‘What should we do to ensure clients have the best chance of investment success?’ This has ultimately led to a series of underlying questions which we will
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