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Have You Clearly Defined Your Goals? - Living the Life You Want to Lead
When we meet a new client or review the financial affairs of someone we have known for some time, the first thing we automatically concentrate on is what goals in life do they have? For a new client - how can we as planners really encourage them to think about what they want to do with their lives? For existing clients - we know their goals and so where are they on this journey? Are there any new factors to consider?
Be Smart - Be a Passive Investor
One of the first things we come across when we take on a new client is starting to make sense of the collection of policies and investments they have. They are usually in a pile somewhere and tend to consist of many different funds across several providers. Almost without exception, their investment plans include 'active fund manager' investments. The values vary, but 100,000 to 250,000 is not uncommon.
Investing in Money Market Cash Funds - Are They a Wise Option?
When it comes to investing your money, you'll probably know by now that you have numerous options to choose from. In fact, it can feel like a bit of a minefield and sometimes you may not know if you've made the right choice. Should you choose a bond fund, equity fund, property fund or a money market cash fund? Or any other type of fund? So, what is a Money Market fund?
Dentists' Provident Society - Income Protection Claim Statistics
If you are a dentist, it's likely that you've taken out income protection insurance (also referred to as permanent health insurance). In fact, you may have even claimed on your policy. During the last few years many of the leading insurers have been releasing their claim statistics for critical illness cover and income protection.
Financial Sales Vs Financial Planning - What You Need To Know
One of the challenges we face as Fee Based Planners and Wealth Managers is how do doctors and dentists get to know about Graeme and Ray and the job we do? After all, we know (and our existing clients tell us), that we are providing our clients with exactly the kind of service they want, and they love the way we work for them and not the product provider.
To SIPP Or Not To SIPP? - More Pension Options Explained
We have been seeing a lot of enquiries from clients wanting to know if a Self Invested Personal Pension (SIPP) would be appropriate for them. Let's look at an example to illustrate this. Let's say you have several personal pensions, some separate share investments and an investment property. How can you use a SIPP to invest in the shares and the property?
Stock Market Crash? Your Options Explained
We live in interesting times... You cannot switch on the TV or read a newspaper without hearing of doom and gloom. If it's not property and stock market falls it's oil prices going through the $100 level, and the situation in Iraq seems to be deteriorating.
Avoiding Inheritance Tax - Planning For The Informed
Many clients have accumulated substantial funds within ISAs and PEPs over the past 10 years and enjoyed significant tax breaks in the process. It's not unusual to see clients with capital in PEPs and ISAs in excess of £200,000 enjoying the freedom to switch investments without incurring capital gains tax, personal liability to tax on dividend income or bond interest received within the tax sheltered 'wrapper'.
Spanish Property - Wealth Tax & Inheritance Tax
We have many clients who have either bought in Spain or the Balearics, or are thinking about doing so. In the past few years, there have been some changes in how the Spanish government tax those who are UK based and have a Spanish property, although with a change of government this could alter again. Here we will look at two aspects - Wealth Tax & Inheritance Tax.
Stock Market Timing - Should You Bother When You Invest?
At the time of writing this article the Markets are showing great signs of nervousness and probably should be on Prozac. The problem is that the Markets are uncertain as to the future and therefore have bouts of pessimism followed by optimism followed by pessimism again. Consequently, we see big swings in daily prices of securities.
Nil-Rate Band Will Planning - Your Options Explained (Post 9 October 2007)
Since Alistair Darling's Pre-Budget Speech on October 9 2007, there have been a number of reports in the press stating that will planning using the nil-rate band of the first of a married couple to die will no longer be necessary as you can now transfer the nil-rate band between spouses and civil partners. (The Nil-rate Band is currently £300,000, and upon death a tax rate of 0% applies to the estate value up to this amount).
Investment Costs - The True Picture
We are all aware of the saying that there are two things which you can't escape - death and taxes. Well, we would add a third here, and that is COSTS. When we speak to our many doctor and dentist clients, or indeed to new clients, they understand that when they make an investment, there will be associated costs.
Fund Managers On The Move and Your Strategic Asset Allocation
Recent research by Citywire, a leading fund research firm, has revealed that the average fund will only retain its fund management team for two-and-a-half-years. The analysis, which concentrates on UK funds, is the most comprehensive conducted yet and includes 5 years of data. The survey examined 1,741 funds and found that over the 5 years to the end of August there were 3,440 manager moves.
With Profits Pension Funds - Beware
If you have a "with profits" pension, or are being advised to invest in one - read on urgently. A survey by Money Management, an established personal finance magazine, has once again highlighted the sinking payouts to many investors from well known investment brands.
Enduring Power of Attorney - Last Chance Saloon
If you've not heard yet, you only have a few days left to organise your Enduring Power of Attorney. Officially, you have until September 30th to get it in place, at which time EPAs will be replaced by Lasting Powers of Attorney.
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