Thank you to the CISI for the CFP of the year promotional video  

Although personal protection policies (Life insurance and income protection etc) are not the kind of policies you want to claim on, it is important that they pay out when they are needed. It is something people often ignore or don’t think about, but the latest figures from the Association of British Insurers puts this into […]

Great again to be nominated as one of the top young Financial Advisers in the UK Thanks to New Model Adviser for the article which you can see here.

Who is the FCA? The Financial Conduct Authority is the regulator of 56000 financial service firms. They aim to help financial markets work for individuals, businesses and the economy. They also look to protect consumers, protect financial markets and promote competition. Why are they concerned? Interest only mortgages will require the outstanding mortgage to be […]

For the first time since the 2008 financial crisis, all of the major UK banks have passed the Bank of England’s stress test. The stress test uses a scenario of adverse economic indicators. A 33% fall in house prices, interest rates increased to 4% within 2 years and unemployment rising from 4.3% to 9.5%. In […]

The Bank of England have  increased interest rates for the first time in a decade in an attempt to curb inflation. The Monetary Policy Committee voted 7-2 in favour of the increase from 0.25% to 0.5%. The minutes of the meeting also suggested that they do not expect a further increase any time soon, stating […]

The Consumer Prices Index (CPI) which is the measure of inflation that the government use as a target, has climbed to 3% in September 2017. The Retail Prices Index, another measure of inflation has reached 3.9%. Much of this inflation is due to the fall in the pound since the brexit vote. It will be […]

According to HMRC 2016/17 annual report £29bn of additional tax was collected as a result of its crackdown on tax dodgers. HMRC also reported its seventh consecutive year of of record tax levels with total tax revenue of £574.9bn HMRC chief executive Joe Thompson said “We have also strengthened our grip on the minority who […]

Lasting Power of Attorney Although this is sometimes considered to be a time consuming, expensive or daunting task, not having powers of attorney in place when you need them can be very disruptive. A lasting power of attorney (LPA) gives another person or persons (known as your “attorney(s)”) the authority to act for you if […]

Cash ISAs are a popular choice when people first begin to save, they are easily accessible, protected, not liable to capital risk and low cost. Many saver’s however are missing out on greater potential returns. Many Cash Savers don’t: Search the market for a more competitive rate Don’t know the rate they are currently getting […]