Impartial Financial Planners | IFA | Fee Based | Dentists | Doctors
Providing fee based impartial financial planning services, serving dentists & medics throughout the UK
Q. I am a 58 year old Consultant with a good NHS Pension Scheme ‘pot’, and as well as this have substantial personal pension funds. My worry is hearing that the limit on how much you can have in pensions is to be reduced soon. Yet I recall that the previous limit had just been introduced in recent [...]
Q. I’m approaching retirement and have some major financial decisions looming. I think that using the expertise of a good financial adviser will help me, however I’m not sure how to choose the right one as there appears to be so many different types to choose from! How do I find the right one? A. I understand [...]
Q. I keep hearing from yourselves and others about Model Investment Portfolios. I think I understand the premise here but can you please summarise why you use them and how the ones you use work in practice? A. We have used these for around 6 years now, and it came from the realisation that trying [...]
Q. I am a Dental Principal aged 44 and am looking to save more money towards my retirement and would prefer to invest in a pension due to the tax relief available. Can you please advise me whether I should invest via a personal pension scheme or via purchasing additional pension (formerly added years) via the [...]
Q. I have heard somewhere about the rules changing with regard to the level of protection savers get in their deposit accounts. Is this true? A. Yes, it appears that the rules are set to change in January 2011 to bring the UK in line with European Legislation. Although not fully ratified, the Financial Services Compensation [...]
Q. Whilst I already find the UK pensions system complicated enough, I’ve heard that more changes may be forthcoming! Can you enlighten me? A. You’re correct with your view of the pensions system. It is very complicated. This situation has developed over many years and wasn’t helped by the last Government introducing the anti-forestalling legislation for higher [...]
Q. As someone with money invested in various stock market funds, I get besieged by all sorts of mailings and articles as to the best way to invest. I am particularly intrigued by the two distinct approaches that seem to be battling it out between the buy and hold long term believers, and the busy buy [...]
Q. I am about to start contributing to a personal pension fund and have been through a process to assess both how much risk I need to take with my investment as well as how much risk I will be able to tolerate on an ongoing basis. Whilst I am comfortable investing 70-80% of the equity [...]
Q. I am looking to invest a lump sum, as well as a regular amount each month. I can’t decide whether to choose an equities based Individual Savings Account (ISA) or a Personal Pension. Which do you think is best? A. It’s fair to say we’ve been asked this question a few times over the years! As [...]
Q. I know that there is going to be a review of all public sector pensions, including the NHS scheme that I am a member of, but have I heard it right that the government have already announced that any pension inflation increases are going to be linked to a different index than the Retail [...]
