KLO Talks

In this episode of KLO Talks, Financial Adviser Terry Michael and host Peter Komolafe are joined by Psigma Investment Director Jon Gould. Jon explains the basics of the Alternative Investment Market (AIM), covering myths, misconceptions and benefits of investing in this area. Jon also explains how Psigma select companies in order to manage risk within their portfolios.

 Terry then goes on to highlight the importance of discussing IHT with a financial adviser, and how to use your investment portfolio to mitigate IHT liability.

 To find out more about how much inheritance tax you may owe - and how you can reduce it - book a free consultation with Terry today by emailing [email protected]

 Psigma Investment Management

 Psigma Investment Management has been providing investment solutions for private clients, pensions schemes, trusts and charities since 2002. Find out more about Psigma here: https://www.psigma.com/

This week Financial Adviser Terry Michael and host Peter Komolafe are joined by St Mary’s Hospice Partnership Manager Helen Rawnsley. Helen highlights the importance of the work that St Mary’s Hospice provides and how growing demand is putting pressure on the hospice, especially in these challenging times. The trio then go onto discuss how you can make a difference by giving to charity in your will and how your inheritance tax can be reduced by doing so.

To find out more about reducing your inheritance tax through charitable gifting, book a free consultation with Terry today by emailing [email protected] 

Birmingham St Mary's Hospice provides end of life care and support to individuals and their families, carers and loved ones across Birmingham and Sandwell.To find out more about the charity and how you can help support them, please visit https://www.birminghamhospice.org.uk/

Blackfinch X KLO Collaboration: In the third and final podcast with Blackfinch Asset Management, Financial Adviser Terry Michael and host Peter Komolafe are joined by Blackfinch’s portfolio manager, Gareth Deacon.In this episode the trio discuss how COVID-19 has been difficult for income investors, and highlight why Blackfinch Asset Management has altered their approach to multi asset income, focusing on the importance of diversified income streams. Jason spotlights the significance of active investment and how Blackfinch have leveraged inhouse expertise at to find non-traditional asset classes.If you would like to book a complimentary consultation with Terry, please email [email protected]

Blackfinch Asset Management 

With over 25 years in the industry, Blackfinch Asset Management understand the evolving requirements of both clients and advisers. Working closely with advisers to deliver innovative solutions for clients, whatever solution customers choose, Blackfinch products are always delivered with a focus on value and transparency.

Blackfinch X KLO Collaboration: In the second of a series of three episodes, Financial Adviser Matt Booton and host Peter Komolafe are joined by Jason Williams, Head of Distribution at Blackfinch Asset Management. This episode discusses the role of ESG investments and why it’s important to know the difference between ethical and non-ethical investments. Jason goes onto discuss how Blackfinch has approached ESGs as a company and the screening processes that are in place to ensure the investments within portfolios are considered ethical. The trio finish by discussing the importance of pushing firms to do better, rather than cutting them out completely.

If you would like to book a complimentary consultation with Matt, please email [email protected].

Blackfinch Asset Management 

With over 25 years in the industry, Blackfinch Asset Management understand the evolving requirements of both clients and advisers. Working closely with advisers to deliver innovative solutions for clients, whatever solution customers choose, Blackfinch products are always delivered with a focus on value and transparency.

Blackfinch X KLO Collaboration: In the first of a series of three episodes, Financial Adviser Terry Michael and host Peter Komolafe are joined by Kathryn Sargent, Business Development Manager at Blackfinch Asset Management. This episode discusses the role of Asset Managers and why ensuring the ease of access to educational material is important to both IFA’S and clients. Kathryn goes on to discuss what makes Blackfinch different from other providers, including why their management solutions are only offered to a limited range of independent advisers and how that benefits clients.

If you would like to book a complimentary consultation with Terry, please email [email protected].

Blackfinch Asset Management With over 25 years in the industry, Blackfinch Asset Management understand the evolving requirements of both clients and advisers. Working closely with advisers to deliver innovative solutions for clients, whatever solution customers choose, Blackfinch products are always delivered with a focus on value and transparency.

This week Peter Komolafe catches up with KLO Director and co founder, Andrew Green to discuss all things KLO. This episode covers everything from starting the business to where KLO are today, boasting a highly experienced team of financial experts. Peter and Andrew also delve into KLO’s service offering, explaining why KLO’s approach allows them to stand out amongst other financial providers.

Andrew also highlights the importance of dedicated client managers and why a personalised service makes such a difference to clients; from ensuring they understand what is happening to their investment (whether positive or negative) to providing educational resources. This episode also explained how COVID has changed the way in which clients and advisers interact with each other.

If you’d like to find out more about KLO Financial Services, book a complimentary consultation with Andrew by emailing [email protected]

This week Terry Michael and Peter Komolafe are joined by Mike Kelly, Senior Business Development Manager at Finance 4 Business. This episode focuses on commercial properties, SIPPS and SSAS, with Mike using a case study to highlight how pensions can be used before you retire, and how a SSAS can be leant against. The trio also discuss how COVID 19 has affected the market, touching on further topics such as CBILS, the bounce back loan and why the right advice from a team of wealth management and financial advisers can benefit you.

If you would like to discuss this topic further, book a complimentary consultation with:Terry by emailing [email protected] or Mike by emailing [email protected]

Finance 4 Business is one of the UK’s leading specialist finance brokerages. A multi-award winning organisation, that prides themselves on being the go-to broker for both intermediaries and consumers.

This week, Financial Adviser Terry Michael and co-presenter Peter Komolafe present part one of our Money and Divorce mini-series. This episode focuses on pension sharing, as well as what you are entitled to from your partner's pension, should you decide to divorce. Terry highlights the difference between a defined contribution and defined benefits pension and how each can affect the total owed. Terry also highlights how working with a financial planner throughout this difficult time can make the whole process easier.

If you would like to discuss this topic further, book a complimentary consultation with Terry by emailing [email protected]

In the fifth episode of the KLO Talks, Financial Adviser Terry Michael delves into the world of ISA's, explaining their differences, their benefits, and how you can retain your investment returns tax free. Terry also discusses the importance of reviewing your finances, explaining a client case study to highlight the benefits of using a stocks and shares ISA for income in retirement rather than drawing from a pension.

If you would like to book a complimentary consultation with Terry please email [email protected]. 

In the fourth episode of KLO Talks, Financial Planner Matt Booton discusses the importance of Ethical and Responsible Investment and the social impact it has across a wide range of current topics. He highlights how climate change and COVID-19 have been driving conversations about sustainable investments. Matt cuts through the technical jargon to make ESGs more digestible and educates about the changes within this sector in regards to cost and risk.

If you would like to book a complimentary consultation with Matt please email [email protected]