Independent Financial Advice


Election June 2017 motives


“In April, May announces election in June”– tweet from Ivan the K 18/4/17. To the polls! It is debatable whether the population of Britain really wants this, but we are heading for an Election (the third in two years); With almost perfect comic timing, the IMF announced an upgrade to the UK growth forecast on the […]

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Closet indexing


You are probably familiar with the ‘Emperor’s New Clothes’, a short tale by Hans Christian Andersen about two weavers who promise an emperor a new suit of clothes that is invisible to those who are unfit for their positions, stupid, or incompetent. When the Emperor parades before his subjects in his new clothes, no one dares […]

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Maximise returns or minimise risk


The financial services industry works by making products with names that resonate with investors’ emotions. Before the crisis, it was all about boosting return, with little regard for risk; now the focus is on minimising risk, with little regard for return. Just a few years back, people queued up for highly structured products. A post […]

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7 Roles of a Financial Advisor


What is a Financial Advisor for? One view is that advisors have unique insights into market direction that give their clients an advantage. But of the many roles a professional advisor should play, soothsayer is not one of them. The truth is that no-one knows what will happen next in investment markets. And if anyone […]

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Top 10 Frequently Asked Investing Questions


We’re always being asked questions, which is great. There are a number of questions that seem to crop up again and again, so we decided to compile the top 10 most frequently asked investing questions Q 1.  Can I have high returns with low risk? A: NO and don’t believe anyone that says otherwise!! Q […]

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Passing pensions down the generations


The obvious personal tax benefits of a personal pension (SIPP) are well known, income tax relief on contributions, tax-free growth inside the pension and the option to take 25% of the accumulated fund as a tax-free lump sum, but what about the Inheritance Tax benefits? Defined Contribution pensions (Personal pension/SIPP) can be passed to any […]

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Lasting Power of Attorney


What is a power of attorney? A power of attorney is a legal document that allows someone to make decisions for you, or act on your behalf, if you’re no longer able to or if you no longer want to make your own decisions. There are a number of reasons why you might need someone […]

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Gifting funds


3 things to remember if you’re planning on gifting funds You may be familiar with the expression “it’s better to gift with a warm hand than a cold hand” i.e. make gifts during your lifetime and gifting can form an essential part of Inheritance Tax planning. We’ve identified 3 key points with gifting that many […]

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Headline Blues


It’s a tough gig being a financial media pundit whose job requires making eye-grabbing calls on the outcomes of major world events. But at least the pundits rarely have to deal with the consequences of their bad predictions. From the Brexit referendum, to the US presidential vote to general elections in Australia, the Netherlands, France […]

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