At this time of year my inbox becomes overcome with communications from Product Providers, fund management companies, estate planning firms all of them getting excited about the tax year end and I don’t think there will be any doubt whatsoever that I will have previously joined the bandwagon to then communicate with my clients, saying…
Not your car registration, mobile or house number but in financial terms, do you know your number? Let me explain, your number is the amount of capital that needs to be injected into your estate to cease employment income generation and simply live the life that you have always wanted – particularly without the fear…
I recently had dinner with another couple and the topical subject of COVID-19 came up. They proceeded to tell me that they had a recent review with their Financial Adviser and that their IFA had predicted that the markets would be back up to pre COVID-19 levels by the end of the year and then…
In my own working life, I am fortunate to say that I have been employed by large life companies in the UK, SME’s and now running my own business so it is fair to say that I have a fairly rounded opinion on different forms of remuneration and employee benefits. When you work for a…
Over the years many clients have told me they want to buy Properties as they see this as a “great investment” and it is fair to say that there are many examples whereby clients have been very well served by Property exposure and with an abundance of ex professional footballers organising seminars to tell us…
Tuesday the 24th March seems a long time ago now, guess we would even call it the end of the winter which seems hard to believe given the incredible weather we have had since then too, thank goodness! Fair to say that we will all remember that day very well for a long time to…
When I am discussing protection needs with my clients, it is always interesting to see the “trends” that the industry has created in that life & critical illness plans are typically the main focus as they are most likely putting this in place to protect what they believe to be their biggest asset or most…
Have you found yourself discussing this before? I must admit I most certainly have and it seems this point has been getting debated for many years now – probably started right about the time that Life Company sales forces were shrinking and their associated branches were reducing in numbers. My own significant opportunity came via…
As an employee for most of my working life, I must say I’ve always had the upmost respect for anyone brave enough to set up in business and perhaps more importantly, take on the sizeable privilege that is offering and providing employment for staff. Fortunate enough to say that I am friends with a great…
Protection planning is the cornerstone of a sound financial plan and addressing a client’s life cover, critical illness, income protection and private medical needs must be of paramount importance before progressing onto other financial planning matters. Having recently met clients with existing protection policies, it seems clear to us that on many occasions Protection policies…
I have known for years that it’s fair to say Financial Services may, generally speaking, be a dull subject to many and that is exactly why I embarked on Paul Armson’s Inspired Advisers lifestyle financial planning journey. GAME CHANGER! It was an absolute game changer when I began being an adviser and helped me shift…
Interesting article from The Sunday Times last week. We would never endorse that sourcing the cheapest adviser cost is the recommended route for clients seeking reliable, professional and honest advice. It seems that in every other walk of life whether you are buying a car or choosing a restaurant is aligned to the “you get…
Two experienced financial experts have today launched a new financial planning company in Edinburgh. Established by independent financial advisers, Neil Wheelan and Paul McCabe, Astute Financial Planners Ltd will offer a range of services in financial planning. Between them both men boast a combined financial service experience of more than 40 years. Located in Rutland…
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