Independent Financial Advice - Words of Wisdom and Guidance

In this guide we look at how using an asset allocation approach to investing can give better returns.

We also look into how best to manage an asset allocation position and the benefits of diversification.

A guide on why you should have a Will and the pitfalls of not having one.

What exactly is the ‘prize’? Put simply - more money for you, in your retirement.

To highlight the impact returns can make we will start by running through a couple of hypothetical or theoretical examples, somewhere in amongst this there may well be something which closely relates to your situation.

In each case we will show you comparisons between what we describe as ‘below par’ returns and ‘above par’ returns. These are not meant to illustrate what we suggest might happen or will happen, but merely to outline the difference future returns, when stretched over time, make to the eventual pot size.

In this quick guide we look into Self Invested Personal Pension's or Sipp's for short.

What is a Sipp and how can it be used? What are the key benefits to Sipp's and are there different types?

Along with answering thoses questions we provide help with getting advice and help with your pension.

In this episode we look at the importance of planning for your retirement. Also how retirement has changed from what it used to be, and way to plan for retirement now. We also bring you some facts about retirement and pensions.

We describe the important steps required to achive a suitable pension fund.

In this quick money guide we discuss how to invest for an income. The different types on investment and the risk related to each. We also look at how a balanced approach to investment is often the most beneficial way forward.

Welcome to the 2020s! As we start the new decade, I reach a personal landmark because I can now reflect back over 30 years of helping clients as their financial adviser. 

To the younger advisers out there: if you wear your heart on your sleeve and put your clients' interests first you will have a wonderfully satisfying career where you will make a difference to people's lives. Then, when you are 71 like me, you can look back with great pride and say that you made a difference (as long as you tick enough boxes to satisfy the FCA or whatever regulator replaces them of course...)