Articles

Articles

UK Bank Rate rise crystal ball-gazing, as February 2016 pegged for likely date

29.09.2015

In August 2015, unemployment increased for the second month in a row, adding weight to the arguments of ratesetters in the ‘lower for longer’ camp. Latest ONS figures showed the jobless total up 25,000 in the three months to June to a total of 1.

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September 2015 Market Commentary

04.09.2015

“Markets can fall as well as rise…” Never was that statement more true than in August, when virtually all the major world markets headed down, led by the plunging stock market in China. It became virtually impossible to watch a news bulletin without seeing a shell-shocked fund manager or a weeping private investor.

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Our current thinking ... on retirement income planning

12.08.2015

We continue to have a great many discussions with new and existing clients about how best to “take income” in retirement and the challenge, from our point of view, is how to undo a lifetime’s worth of hardwired retirement savings habits .

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Are you, or will you be, an over-60s socialite?

06.08.2015

If that latter description sounds like you, or someone you know, you’re in very good company. Many of today’s over-60s are living life in a way that has a lot more in common with 20-somethings, despite four decades of age gap. Being part of a circle of close friends, catching up on social media and even the odd spot of online dating; they’re enjoying life to the full in a way that previous generations would hardly have dared to dream of.

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August 2015 Market Commentary

04.08.2015

July was a dramatic month. Greece held a referendum and emphatically rejected the austerity package offered by its creditors. Motor-cycle riding Finance Minister Yanis Varoufakis resigned,  calling the creditors “terrorists”, and the new finance minister, Euclid Tsakalotos, was seen going into yet another final, final crisis meeting with his negotiating position scribbled on hotel notepaper.

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Budget 'Tax Raid' on Dividends and Investment Income

28.07.2015

Changes to dividend taxation rates will see entrepreneurs and small business owners pay £6.8bn more in tax during the next five years, a move The Daily Telegraph described as a ‘tax raid’.

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Adrian is the top IFA in Coventry

20.07.2015

We are proud to say that our very own Adrian Smith is currently the number one* IFA in Coventry on reviews website VouchedFor.

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July 2015 Market Commentary

08.07.2015

An essential part of writing this bulletin each month is making daily notes on the main business and stock market news. This month we have comfortably broken our record – more than six pages of notes. And as you might expect, about half of those pages are about Greece and its debts.

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Golf day raises £7,016 for Multiple Sclerosis

02.07.2015

On Monday the 22nd June the 7th MS Golf Day was held at Handsworth Golf Club and raised a fantastic £7,016.

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July 2015 Budget Preview

18.06.2015

George Osborne will deliver the second Budget of 2015 on Wednesday, July 8th, just two months – almost to the day – after the Conservatives secured an outright majority in the General Election.

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The processes behind Wills, probate and inheritance

16.06.2015

When a family member dies, you may need to get the legal right to deal with their property, money and possessions – known as their estate. To do this in England and Wales you may be able to apply for a Grant of Representation – known as ‘probate’.

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Planning around the retirement threshold

10.06.2015

By now, if you are somewhere in the retirement experience – either approaching it, passing through it or leaving it behind – you will already have experienced firsthand your own childhood and maybe that of your children, grandchildren and great-grandchildren.

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June 2015 Market Commentary

04.06.2015

It now seems hard to remember, but this time last month the UK was only a week away from a General Election – an election that was the most difficult to predict in a generation. The pundits were unanimous: the Election would certainly lead to a hung parliament.

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Some of our current thoughts and musings (May 2015)

20.05.2015

Here are a few of our thoughts regarding what may, or may not, affect clients, and thus our financial planning advice for clients.

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IFS reviews Conservative Inheritance Tax proposal

14.05.2015

Inheritance Tax (IHT) applies to (some) wealth that is transferred on, or shortly before, death. The tax is currently charged at 40%, with each individual receiving an allowance of £325,000, before the tax is applied. Any unused proportion of this allowance is transferable to a surviving spouse or civil partner, effectively doubling the inheritance tax threshold for many couples.

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We are kept informed on the position of our investments. The information provided is concise and easy to understand. Charging is fair and transparent and there are no separate bills to pay. Mr & Mrs C - N Yorkshire

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Adrian Smith

Chartered Financial Planner
Chartered Wealth Manager
CFP-CM

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