Articles

Articles

60 is the new 40!

08.05.2015

Good news for all of us who have accepted that we are getting older: Saga reports that new European research shows that 60 is the new 40! The research reveals that people are now reaching middle age at the tender age of 60, instead of the previously expected figure of 40 years old.

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May 2015 Market Commentary

04.05.2015

In the UK April saw the clock ticking down towards the General Election. For the rest of the world, life went on pretty much as normal: that’s to say, China and Germany remorselessly cranked out another trade surplus, the American economy gave us more mixed signals, and Greece teetered on the edge of bankruptcy.

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Money saving tips and reminders for the over-50s

24.04.2015

We tailor most of our ASPL Services for people aged 50 & over and so here are a few tips that come up from time to time during discussions with our clients.

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Have you lost track of any savings or pensions?

16.04.2015

We are often asked how to find details of old, missing bank accounts or policies. Here are 3 places you can go to look for them!

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Protecting your savings: beware pension scams

14.04.2015

We are hearing a lot through the media about the attacks we may experience under the new UK Pension Reform arrangements and regulations, when we gain access to our pension pots and can choose to do what we like with them. What an opportunity for fraudsters who right now are ready to assault our new wealth castles!

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April 2015 Market Commentary

08.04.2015

The focus in March inevitably turned towards the UK Budget – delivered by Chancellor George Osborne on March 18th – and the forthcoming General Election, with the two main parties currently running neck and neck in the opinion polls.

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Cashing in or keeping your pension pot?

26.03.2015

Approaching fast is April 2015, when you could have even more freedom to decide what you want to do with your pension savings as you approach retirement. Whatever you choose to do, and it will be your choice if you qualify, think carefully and choose wisely.

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5 key concerns for retirees

19.03.2015

Are you relishing the arrival of your retirement, whenever it may be due? A recent survey from Aegon found that whilst people continued to have positive aspirations for retirement, there was nevertheless a widespread lack of confidence that retirement would actually deliver.

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How much money do I need in retirement?

11.03.2015

Budgeting for retirement can be more difficult than budgeting whilst you’re still working. Some costs may increase, such as heating your home, and you’ll have to work out exactly how much income you will be receiving from your pension. The average British wage is about £26,000 – to replicate that in retirement you’d need a pension pot of more than £300,000.

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March 2015 Market Commentary

05.03.2015

At last! A full house, ladies and gentlemen. For the first time since we started this bulletin all the major world stock markets moved resolutely upwards in February. Some by a little, some by a lot and some – step forward the UK – finally breaking through a previous high from the last century.

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February 2015 Market Commentary

04.02.2015

The great thing about writing this bulletin is that you make a note of something which looks hugely significant around the middle of the month and then something else comes along which makes it pale into insignificance. In this case the ‘hugely significant’ event was the fall in UK inflation – what came along was the Greek election result and victory for Syriza, the far-left coalition under Alexis Tsipras.

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Property investors – is it time to take a closer look at your tax affairs?

27.01.2015

A recent Telegraph article by Kyle Caldwell highlights how buy-to-let landlords and private property investors are coming under increasing HMRC scrutiny when it comes to tax due on rental income and capital gains.

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Farewell to a generally good 2014 for savers. What does 2015 have in store for us?

20.01.2015

Did 2014 turn out to be a better than expected year for savers? According to a recent bulletin by Standard Life, the Autumn Statement by the Chancellor in early December rounded-off quite a year, with good news for ISAs and pensions.

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10 good reasons to pay into a pension before April

14.01.2015

There are less than three months to go before the new pension freedom becomes reality. With the legislation now in place, the run up to April is time to start planning in earnest to make sure you make the most of your pension savings.

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January 2015 Market Commentary

05.01.2015

Traditionally, December is a ‘slow news’ month. Like August, the great and the good spend a large part of the month on holiday and world events supposedly move slowly, if at all.

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Independence, impartiality, courtesy, personal, tailored, up to date. Mr & Mrs P - Doncaster

FCA Statement

Accreditations

Adrian Smith

Chartered Financial Planner
Chartered Wealth Manager
CFP-CM

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