Articles

Articles

“Wealth cascading down the generations ...”

22.12.2014

This was a quote from John Major in 1991, that has resurfaced recently, further to George Osborne’s amazing “personality reboot” during 2014.

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The importance of understanding investment risk in financial planning

16.12.2014

Many people have successfully made substantial fortunes from investing over the years, in various ways and styles, using many different methods. They would have had one thing in common: a fixation on the management of their downside risk.

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Pensions in 2015: a brief update on what to look out for

09.12.2014

2014 was a momentous year for pensions. Changes around how pensions could be drawn at retirement and how death taxes on pensions would be improved were both announced in the year, with the intention that all these new rules will be in place by the end of April 2015.

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December 2014 Market Commentary

02.12.2014

November saw the G20 group of world leaders meeting in Canberra. The summit was notable for the new sport invented by the great and good: a bizarre game of musical chairs in order to avoid being photographed sitting next to Vladimir Putin!

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ASPL offer free Financial Planning surgeries

13.11.2014

The Institute of Financial Planning’s 7th Financial Planning Week takes place 23 – 29 November this year. As part of this campaign to show the benefits of working with a professional financial adviser, we are offering a series of free Financial Planning surgeries.

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Wrap Update November 2014

12.11.2014

Standard Life Wrap has become the first scale platform in the UK to move entirely to unbundled (clean) mutual fund share classes for both new and existing clients.

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Tax free saving with an ISA or pension

06.11.2014

Many of our clients will be aware of the tax advantages that can come from using an ISA or a pension to save for your future. If you are not currently a client however, or are unfamiliar with the tax benefits available, then it is worth briefly recapping just what you could be missing out on!

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November 2014 Market Commentary

04.11.2014

In all the time we’ve been writing these market commentaries it’s difficult to remember a more turbulent month than October 2014.

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5 things to avoid buying from a bank or building society

28.10.2014

Where would you go to buy a new financial product? Although banks and building societies offer lots of different products, some are better than others. Kyle Caldwell, writing in the Telegraph earlier this year, highlights 5 products that are best avoided.

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Is Auto-Enrolment leading us towards a better financial future?

23.10.2014

Half of UK employees on lower incomes and half of those aged 30-49 are now saving adequately for retirement, according to the latest Scottish Widows Workplace Pensions Report, showing the impact of automatic enrolment on the groups that need it most.

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Families with dependent children lack financial protection

16.10.2014

Only a quarter (24%) of adults in the UK with children under 16 have any form of financial protection, a significant drop from 31% in 2013, according to the latest research from the Scottish Widows Protection Report. With over half (54%) of this group admitting that their savings would last just a couple of months if they were unable to work, a significant protection gap exists for families in the UK.

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Important pension notice: 55% 'death tax' abolished

09.10.2014

Ahead of the major pension changes already announced for April 2015, the Chancellor, George Osborne, announced another shift in pension policy that could have a big impact on many savers and their financial planning requirements.

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October 2014 Market Commentary

06.10.2014

Throughout the summer this bulletin has been focused on events in the Ukraine, now we have an admittedly uneasy truce in the region and the focus of the world’s discontent has moved elsewhere.

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Saving a little bit more will go a long way

23.09.2014

Many working age people in the UK could secure a financially comfortable retirement by making some small changes to their saving habits, according to new research published by the Department for Work and Pensions (DWP). While government action to transform British pensions has brought about radical improvements to the retirement prospects of future pensioners, millions are still not saving enough to ensure they can maintain their standard of living into old age – estimating that 11.

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Britons prioritise bricks and mortar over white wedding

16.09.2014

Britons are turning their backs on the big white wedding in favour of getting onto the property ladder, according to research by HSBC. Over a quarter (28%) of those aged between 18 and 34 would spend a £20,000 gift from their parents on a deposit for a house.

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We value the way in which Adrian has developed a relationship of trust with us over the years and we have every confidence in his advice and expertise. Mr & Mrs S - Solihull

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Adrian Smith

Chartered Financial Planner
Chartered Wealth Manager
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