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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 have recently sold my dental business and, with the proceeds now in the bank, I’m considering my investment options. As I will have Capital Gains Tax (CGT) to pay, my financial adviser has suggested that I consider investing into an Enterprise Investment Scheme, as I will be able to defer the payment of the […]
As we’re all well aware, the tax system in the UK (and worldwide) is, to say the least (with tongue firmly in cheek), slightly complex and getting your head around it isn’t exactly the best way to spend your valuable time! One tax that is in the news at the moment is inheritance tax (IHT). […]
However, alongside this freedom to take money out of a pension fund, there have been some significant changes to the rules relating to the benefits which can be paid if you die with a fund you have not yet used. Money purchase funds are those where contributions are invested in a fund on your behalf. These are […]
Q. I am a Consultant Doctor in my early 50s and have been in the NHS Pension Scheme since age 23. My 30 years or so service has given me a decent NHS Pension projection, and this was something I was banking on (as well as a personal pension fund my accountant suggested when I started […]
The FTSE 100 – or the Footsie, as you will sometimes see it written and pronounced – is an index that measures the performance of the shares of the 100 largest companies listed on the London Stock Exchange, sometimes refered to as the LSE. It measures the daily share price performance of those 100 firms. […]
Q. I will reach state pension age in 11 years and the state pension statement I have just received shows that I have accrued 20 years national insurance credits as at 31/3/15. Therefore, I will fall short of the 35 years required to qualify for a full state pension under the new system which was introduced on 6/4/16. This is […]
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 […]
Q. I’m a Principal dentist aged 54 and have recently reduced my NHS Pensionable income from £100,000 pa to £30,000. A colleague has told me that the lump sum paid on death is 2 x pensionable income, so I’m a little concerned that my wife would only receive £60,000, instead of £200,000. Can you provide me with any guidance? […]
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 […]