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Last year my optician informed me that I was developing cataracts in both eyes and I needed to have the lenses replaced with surgery. I knew my eyesight was getting worse, as night driving was more difficult and when playing real tennis I was losing the flight of the ball as it neared my racquet. […]
Q. As a Consultant doctor approaching age 54, I am worried about the impact on my NHS pension of the new taxes that is all the talk of my colleagues. I am told that I will fall foul of the Annual Allowance next year if my pay increase happens, and I will also exceed the […]
We have discussed the ways you can invest your hard earned cash many times over the last 12 years, and recently we also covered MiFID II. This aims to ensure that in order to restore consumer confidence after the 2008 crash, European markets are safer, efficient and transparent. From our point of view, this entails […]
Q. I was chatting to a colleague over coffee and the subject of investments came up. He said that new rules meant that he could now see what he was paying in charges on his ISAs, and it was more than he thought. What new rules are these, as I must admit I haven’t checked my policies at […]
When we cover our clients’ priorities every year, we discuss many subjects that are important to them or cause concern. For many, who are secure and enjoying life in their 60s and above, thoughts increasingly turn to Inheritance Tax (IHT) and Long Term Care (LTC). Often, a client will have had some experience of one […]
Q. As a Consultant who has had to opt out of the NHS Pension Scheme in my mid 50s, I hear rumours that this tax may be scrapped. Is there any sign of this? A. No, we don’t see any sign that this tax will be scrapped. In fact, HMRC are collecting record amounts of this […]
At the end of 2016 we reported on the study that the Financial Conduct Authority (FCA) were carrying out into the Asset Management Market. Why was this important? Well, as the FCA stated: “The asset management industry plays a vital role in the UK’s economy. Asset managers manage the savings and pensions of millions […]
Q. As one of your clients, I understand that you concentrate on ‘the purpose of money’, and that money is a means to an end. I’m curious to know, is this ‘lifestyle advising’ now more common compared to when we started working together 10 years ago? A. In short, yes it is more common, but unfortunately not […]
Q. I am a 64 year old GP and am now in retirement. I have all my financial affairs sorted out and have a spread of investments together with a good NHS Pension and my State Pension as well as my wife’s to come soon. Part of our wealth is held in cash for now and tomorrow spending (we […]
We have written often about the failing of the banks to truly look after their clients who invest with them. Scandal after scandal has appeared in the press and it was no surprise to hear that last year Barclays sacked Anthony Jenkins who was brought in in the summer of 2012 following the departure of […]