Tax Year End Planning – are ISA’s any good??

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…

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What’s Your Number?

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…

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Astute Stock-Market Predictions

Making Stock-Market Predictions

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…

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Old man with yellow strip

Pensions & Commercial Property

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…

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Smiling lady with yellow strip

Protecting your biggest asset

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…

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Successful young businesswoman

The next generation of Financial Planner

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…

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