“It isn’t where you came from. It’s where you’re going that counts.” Ella Fitzgerald,  American Jazz Singer – 25 April 1917 to 15 June 1996

As most of my clients know, I offer Multi Managed Ethical funds as a matter of course for both my new prospective clients and my existing clients at Client Review Stage. Surprisingly, a number of other advisers have enquired why I do this.  But the answer is simple.  Firstly because I believe it is my […]

I was reading an article recently which indicated that one in ten (10%) of those planning to retire this year expect to withdraw their entire pension savings as one lump sum, according to research by Prudential. The research also suggested a fifth (20%) of people retiring this year would risk avoidable tax bills by taking out […]

“You are never too old to set another goal or to dream a new dream.” C.S. Lewis, British Author of The Chronicles of Narnia, 29 November 1898 – 22 November 1963

I was reading an article recently which said that while divorce and relationship splits are a tricky subject to broach – certainly from a financial viewpoint – there is still a worrying lack of protection afforded to those in that position. In the article it stated that research by Kleinwort Hambros found that a quarter […]

The respected Tax Adviser Danby Bloch has recently stated that diversification is not just an important strategy for investment – it also makes sense when it comes to tax planning. And with the current low level of new business flowing into life assurance bonds, maybe this a way of mitigating Inheritance Tax which has been […]