Articles

Articles

What does property look like as an investment after 2016’s changes?

03.06.2016

The buy-to-let market has already seen some significant changes in 2016, perhaps most significantly the increase in stamp duty on any property you own other than your primary home. What this means for those looking to invest their money in property is that the market may not offer the same kind of sound investment that property has generally always been considered.

Read More...

June 2016 Market Commentary

01.06.2016

May was the month when you could be forgiven for thinking that there was only one event in the world that mattered: the continuing debate on the UK’s membership of the EU. But while the claims and counter-claims of Messrs Cameron, Osborne, Johnson and Gove filled the airwaves and dominated the headlines, for the rest of the world it was ‘business as normal.

Read More...

May 2016 Market Commentary

16.05.2016

April was the month for stats fanatics…

Read More...

Adrian Smith featured in Sunday Times Top 250 IFAs

28.04.2016

On Sunday 10th April the Sunday Times published their first supplement listing the Top 250 IFAs in the UK based on reviews on the independent consumer ratings website VouchedFor.

Read More...

April 2016 Market Commentary

26.04.2016

Another month, another dire warning from the economic great and good. In March it was the International Monetary Fund’s turn to warn that the world faces ‘economic derailment.’

Read More...

Tax cuts now, payback later – what will the Budget of 2019 look like?

18.04.2016

The Chancellor will need to reduce borrowing by £32bn in 2019-20 – the biggest ever annual cash consolidation – in order to meet his Budget surplus target by the end of parliament, according to a new post-Budget briefing report published by the Resolution Foundation.

Read More...

The Lifetime ISA: What you need to know

14.04.2016

Amongst the key announcements that came from the budget was the introduction of a new ‘Lifetime ISA'. By far the most attractive feature of this new form of savings account is that contributions every year will receive a healthy 25% bonus from the government.

Read More...

Retirement plans on hold for many over 50s

06.04.2016

A third of people aged over 50 who are employed in the private sector are now planning to retire later than they previously hoped, Aviva’s latest Working Lives report reveals.

Read More...

Three ways accelerated tax payments are likely to affect you

29.03.2016

George Osborne announced last year that the tax system as we currently know it will be phased out by 2020, after the Treasury described the system of tax returns as “complex, costly and time-consuming.” In its place, a new digital system will be rolled out by the government which purports to be easier to use and manage for both individuals and businesses.

Read More...

Retirement 'class of 2016' owe less than last year's

24.03.2016

The amount of money owed by those planning to retire over the course of the next 12 months has fallen for the fourth year in row, according to the latest research by Prudential. This year’s retirees who still have debts owe an average of £18,800, a fall of £3,000 or 14% from last year and a drop of nearly £20,000 since 2012 when the average amount owed was £38,200.

Read More...

CML urges restraint on Stamp Duty proposals

22.03.2016

Responding to the HM Treasury consultation on the 3% surcharge on Stamp Duty Land Tax (SDLT) proposals for second properties, the Council of Mortgage Lenders (CML) urges reform of the implementation plans to mitigate potentially negative impacts on the housing market as a whole.

Read More...

March 2016 Market Commentary

03.03.2016

February was another month where the problem for this commentary was what to leave out: the world is not short of ‘events’ at the moment.

Read More...

Early Budget teasers, as the Prime Minister lays out plans for an all-out assault on poverty

29.02.2016

Reported recently across the media, David Cameron has promised an ‘all-out assault on poverty’, with a series of social reforms to include better mental health services and mentoring schemes. The PM said new mothers and teenagers with anorexia were among those who would benefit from improved services.

Read More...

Seven suggestions made to the government during the consultation on pension taxation

17.02.2016

The Government has recently finished a consultation looking at how pension taxation could work in the future. The Chancellor, George Osborne, has said that he expects to reveal the findings and the direction he is going to take during the March Budget.

Read More...

February 2016 Market Commentary

05.02.2016

Twelve green bottles, standing on the wall ... Twelve green bottles, standing on the wall ... And if one green bottle, should accidentally fall …

Read More...

Your honesty and impartiality. You are extremely knowledgeable about financial matters and products. We have a good relationship and you are friendly and easy to deal with. Mr & Mrs C - N Yorkshire

FCA Statement

Accreditations

Adrian Smith

Chartered Financial Planner
Chartered Wealth Manager
CFP-CM

Get in Touch