The clients we serve best have the following qualities: They work in partnership with us to make good financial decisions Our clients appreciate, that the advice of a highly qualified advisor is useless if not acted upon. The ultimate decision lies with them, and our role is to help them make it a good one.
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There are a few levels on which maintenance occurs. The start of anything we do is to review the latest research and evidence. We then decide whether we need to make changes to any of our processes. This ensures they prudently reflect the latest thinking. When we say the latest thinking, we do not mean
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Ten million savers could run out of money in retirement This article in the Telegraph covers how a survey conducted by LV, the pensions group, found that 34pc of savers, or 9.9 million people, admitted to not knowing how to ensure they would not run out of money in retirement. Workers who manage their own retirement
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Your portfolio represents your future. It is only natural to want to check how your investments are doing. How often you need to do this depends on the type of investor you are. Speculators who constantly buy and sell individual stocks will monitor performance frequently, perhaps daily. Those investing for the long term with robust
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‘Taxpayers now get a far worse deal’: HMRC pushed on IHT gifts as £1,000s is missed out on The Sunday Express looks at how Inheritance tax (IHT) costs can be managed using gift-giving and other estate planning efforts. However, families are struggling to utilise these options according to new research. The article suggests taxpayers only
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Over the longer term, being on course to meet your financial goals is the true meaning of success. The first aim is to grow or at least preserve the value of your portfolio after inflation over the medium term. This may not happen each year, but over a longer period, you would hope that to
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Help tomorrow’s widows prepare for an income shock In this article for the Financial Times, former pensions minister Steve Webb summarizes why two alterations to the state pension mean widowed women might experience an income “shock” along with bereavement in retirement. Among many mathematical examples, he encourages no couple to make any assumptions about the assistance available to
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Work out if your adviser is worth the money The Times has been on a bit of a tear recently becoming a bit more critical of financial advice. This article urges clients to work out if their adviser is worth the money. The article features analysis from Vanguard which says advice can boost returns by up to 3%
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