7 Hats Of The Professional Financial Planner

For many, a new year’s resolution is to get their finances in tip top shape. For some, they will look to a financial adviser / planner to help them with making important decisions. Decisions that could have a profound impact on their financial futures. So, what is a financial adviser / planner for?  (we’ll use […]

Should I Downsize To Help Fund My Retirement? – Hot Topics Q & A

Q. I plan to retire in the next few years and have often wondered how many people take the view that as the value of property has massively increased, they can simply downsize when needed to generate more than enough money to fund their needs? I have had an adviser off and on for many years and he’s always suggesting I […]

Your Investments – Are You Putting It All On Black?!

In the investment world, we quite often feel as if we are in the film Groundhog Day. Same type of headlines, same reactions, same results. A recent example has been the ‘crisis’ in China. You may have read about the incredible growth in China, with building work at incredibly high levels. Power stations and airports […]

Rebalancing – Adding Certainty To Your Portfolio

It’s quite possible that, over lunch with a work colleague or friend, you’ve had a broad discussion about where best to invest your money, especially with interest rates on savings accounts being so low. You’d not be alone if you were of the opinion that the reason you prefer to avoid equity based investments is […]

Dementia – How Will Your Family Cope Financially?

At the last count there were around 800,000 individuals in the UK suffering from dementia, according to the Alzheimer’s Society. That’s a huge number and, thanks to medical advances, better nutrition and a more health-conscious population in general, ironically it’s set to get even higher as more of us live longer. Chances are you and […]

Financial Planning vs Financial Advice, Is There A Difference? – Hot Topics Q & A

Q. I often hear about the services offered by financial advisers as well as financial planners. I’m confused! Are they not the same? A. You’re right to feel confused. This is not helped by some in financial services who call themselves ‘financial planners’ but offer a financial advice type of service. Let me explain how we see the […]

Financial Advisers – What Service & What Costs? – Hot Topics Q & A

Q. I have had a Financial Adviser for quite a few years now. In the past she never really talked about her charges, and I didn’t think to ask, presuming she got commission from the companies we used when buying products. However, on her recent visit, she said that due to rule changes she would now need to […]

Are Financial Adviser Numbers Falling? – Hot Topics Q&A

Q. I have read in the press that the number of Financial Advisers was set to fall when the new rules on professionalism and fees came in this January. Has this actually happened, and if so why? A. This was indeed widely predicted, and yes in practice if you look at the latest figures from the […]

Money Habits – Why 60% of Premiership Footballers Go Bankrupt!

There have been quite a few headlines on the subject of well known sportsmen getting into financial difficulties in the last year or so. Some of the figures are quite simply staggering! The headline above is backed up by statistics from Xpro, who are a charity for ex-players. Their figures show that:     Three […]

The UK High Street Banks – Are Olympic Standards Possible?

Wow! They were incredible events weren’t they?! The Olympics & Paralympics proved to be absolutely outstanding, surpassing the expectations of even the most enthusiastic supporter of these events. Listening to people on TV & radio, and chatting to friends, all talk was about the bravery, sheer excellence and wonderful spirit amongst the athletes. The helpers […]