Annual Allowances

Financial Advice

As we start to approach the end of the current financial year this is a good time to consider the question, have you used all of your allowances? Some examples are your ISA allowance which is currently £15240, your Capital gains Tax allowance (CGT) currently £11100, or your pension contribution annual allowance currently £40000 (subject to conditions). Also did you know that you are able to go...

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Are you happy with the rate of interest on your Cash ISA?

Financial Advice

It is important to review your investments on a regular basis to ensure they are continuing to meet your expectations. And, with many people expecting the current low rates of interest to continue, your cash ISA may not provide the returns you would like. So, perhaps you have already tried shopping around for a better interest rate, without success and would be interested in solutions that may...

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University fees planning

Financial Advice

Lots of parents want to help their children in life and many will want to ensure that they obtain the best possible education available, often leading onto university and that sought after degree, or it may simply be creating a lump sum for an event such as a deposit on a house, a car or a wedding. Unless you are very wealthy and can provide this gift from savings I would suggest the earlier you...

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Brexit

Financial Advice

A great blog from Dan Norman of TCF Investments Summary • Equity markets have sharply fallen in the wake of the Brexit vote • But the falls have not been calamitous for UK equities • Undoubtedly uncertainty has increased and higher risk premia are being demanded • The focus now should be on fundamentals and the long term, rather than short-term noise • The UK economy will withstand...

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Interesting time for markets?

Financial Advice

With so much activity in the world it is not surprising that there is a high degree of volatility in the investment markets, the main focal points currently are firstly Oil. With prices being so low it is good news for consumer economies, but the low oil price is also partially responsible for Central Banks keeping interest rates so low. We now have Russia and Saudi Arabia talking about a twin...

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Important questions to ask your Financial Adviser

Financial Advice

Q1 Are you approved by the FCA? Q2 What experience & qualifications do you have? Q3 What type of advice do you offer? Q4 What are your charges? Q5 Can the cost be deducted from my investment? Q6 How do you assess my financial needs? Q7 How do you assess whether a product or investment has the right level of risk for me? Q8 How will I receive advice? Q9 Do you offer an ongoing service and how...

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