Consolidating your retirement savings

Consolidation, Consolidation, Consolidation – keeping retirement savings under one umbrella If the key considerations for purchasing property are location, location, location; then for retirement and inheritance planning it could be all about consolidation, consolidation, consolidation! And sooner, rather than later. Consolidation while saving – can cut costs, simplify monitoring against retirement goals and help with […]


Looking after your employee’s health

The provision of private medical insurance (PMI) is one of the staple benefits larger corporations increasingly offer as a way of attracting and retaining staff.  Many employees now expect some level of private healthcare as part of their employment package.  Indeed, according to a report by Laing & Buisson, the number of private medical cover […]


The Benefits of Regular Savings

In the complex world of investment, timing appears to be crucial. However, without the benefit of hindsight, it is an incontrovertible fact that no-one can predict what the market will do. This presents a problem for investors – not only to decide when to invest, but also when eventually to pull their money out of […]


Election 2015: an unexpected outcome

Financial markets reacted positively to the news the Conservative Party had won a slim majority in 2015’s General Election. A clear majority, however slender, should allow the elected party to enact government policy, while preventing a period of ambiguity while the terms of a coalition are negotiated. Investors had generally been expecting another hung parliament […]


Pensions Freedom – some Q&A’s to help your understanding

The breadth of the reforms means hardly any aspect of retirement finances is left unaltered. It’s an empowering period for investors – but also challenging. Everyone needs some knowledge of pensions and how they are changing.  The questions that follow are by no means exhaustive but I hope readers will be well equipped to benefit from the new, […]


ISA Time Again

It’s that time of year again and there’s ISA information everywhere!  It’s hard to cut through all the noise: Should you invest in cash or stocks and shares?  ‘Do it yourself’ or seek advice?  How do you decide what’s right for you? Sometimes you just need a bit of guidance and support and that’s where […]


Time is by far the biggest component to building wealth – don’t delay!

Are you a financial procrastinator? Does this sound familiar? You know all the sensible financial things you should be doing: saving for a rainy day, not spending more than you earn, paying off your credit card debt and investing the rest. It’s just you never seem to quite get round to it. It’s not that […]


Opportunities For Accountants

Later this year large numbers of small employers will reach their staging deadline for auto-enrolment. These businesses, all with 50 staff or less, will be under huge pressure to comply with complex rules and demanding administrative duties. The question for them is: ‘Who ya gonna call?’ There will be a multitude of small businesses that […]


Bringing Ethics into Investment

Ethically influenced purchasing decisions are now firmly established as part of everyday life.  The use of labels such as ‘fair trade’, ‘organic’, ‘ethically traded’, ‘recycled’, ‘sustainable’ and ‘low carbon emissions’ is on the increase, as both businesses and individuals recognise their benefits. The recent financial crisis has added to this by putting the spotlight on […]


Is your existing investment portfolio right for you?

Most people already have an investment portfolio, which by definition, is a collection of assets that intends to make a profit. However, many people struggle to answer a simple question.  Is their existing investment portfolio right for them?   To help you answer this, it’s worth considering these questions: Do you… •Clearly understand your financial […]