What can we expect from this pre-election Budget?

It’s almost here.  The Chancellor, George Osborne, will deliver his last coalition budget before the general election in May to Parliament this Wednesday 18 March 2015. He has now built something of a reputation for using such occasions to introduce … Read More

Posted in Economy | Leave a comment

The unspoken conflicts between financial advisers and clients and how to address them

Historically, advisers have given advice based upon the belief that the system for providing investment advice makes enough education and information available to promote rational investor behaviour and lead to common sense decisions.  However, investor dissatisfaction which often bubbles to … Read More

Posted in Investing | Leave a comment

The current difficulties and dangers faced by investors seeking income

Since the recovery from the global banking crisis in 2008 and apart from the odd stumble along the path investors have generally been very well rewarded for taking the risks associated with both equity and bond investment. However, since the … Read More

Posted in Income, Uncategorized | 4 Comments

Raging against the machines

Coming in to work this morning I was witness to the admittedly not uncommon sight of a black cab driver and a cyclist having a bit of a dust-up!  What did strike me though was the cyclist kept gesturing to … Read More

Posted in Financial Advice, Financial Planning | Leave a comment

Taxation as an icebreaker

I am not sure how many people remember Barry Goldwater, well not everyone is as interested in politics as I am. However, he was a five-term US senator in the year of my birth, 1964.  Whilst ultimately unsuccessful he ran … Read More

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The financial services industry must rise to the challenge of the budget and ensure investors benefit fully without repeating past mistakes

The budget has just proven to be a retail savings game changer. I had rather become used to budgets which just squeezed people, with very few real incentives for the hard working, committed investor. Those who had committed to long … Read More

Posted in Budget | 3 Comments

An ‘at a glance guide’ to the Budget from a top financial planner

We have all become rather used to Budgets long on rhetoric and short on action but this trend does seem to have been reversed this time by the Chancellor.  A whole raft of measures look set to impact on the … Read More

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Are you likely to be caught by the pension lifetime allowance changes and if so what are your options?

To protect or not to protect Yet again, there is to be a diminution in the availability of reliefs and opportunities within pension planning for higher earners or those who have accrued significant pension savings. The latest cut in the … Read More

Posted in Retirement, Retirement advice | 1 Comment

Is it simply a case of active versus passive or is there a middle way?

Active versus Passive – a personal reflection This topic is one that runs and runs in the investment world and as costs come increasingly to the attention of investors and the financial regulator it is probably right to revisit the debate. … Read More

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Ethics and good behaviour – not bad behaviour and fines

A sandwich at the desk is accompanied by my usual lunchtime headline trawl around the financial websites. I was drawn to an interesting speech by Martin Wheatley, Chief Executive of the FCA, at The Mansion House. The part which interested … Read More

Posted in Ethics, Financial Planning | Leave a comment
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