Why you need an Independent Financial Adviser

Did you know that the average value offered by a financial planner is 3% a year?  This is supported by the Vanguard Adviser Alpha Study.  The following table was extracted from the study. It makes interesting reading, doesn’t it?     Interestingly a number of the...

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The truth about investment risk

What does the word risk mean to most people? It is inevitably linked with the fear of loss, danger, suffering harm, uncertainty and death. So as soon as you ask a client about their attitude to investment risk that sense of fear and unease kicks in.  I find this quite...

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The secret to happy investing

Have you ever been unhappy with how your investments have performed especially when they have fallen in value? Join the club. Not many people are happy when their investments decline apart from professional investors who take the opportunity to buy shares cheaply when...

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Are Lifetime Mortgages a Good Idea?

I do get asked by clients from time to time whether or not they should have an equity release mortgage. These clients are usually in good health, typically retired, have no children, are comfortably off and simply want to continue to enjoy a good standard of living...

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Unsmart motorways

Ever driven on a smart motorway and felt considerably less safe than when driving on a normal motorway with a hard shoulder?  If your answer is yes then you are in the majority. I’ve always considered the words smart motorway to be an oxymoron because a motorway...

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Should You Repay Your Mortgage Early

Weighing the Pros and Cons in Everyday Terms Hey there, homeowners and dream-home aspirants! Today, we're tackling a question that's probably crossed your mind: "Should I pay off my mortgage early?" It's a big decision, with lots at stake, and it's not just about...

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How Do Banks Create Money?

Unveiling the Mystery in a Friendly, Easy-to-Understand Way Hello there! Today, we're going to dive into a topic that might sound a bit like a magic trick: How do banks create money? Yes, you read that right. It's not just about counting cash or storing gold in...

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Is now a good time to purchase an annuity?

The question of whether now is a good time to purchase an annuity in the UK is particularly pertinent given the current economic climate. With Brexit fully in motion, the global economy reeling from the effects of the COVID-19 pandemic, and interest rates in a state...

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Is now the time to invest in bonds?

Is Now the Time to Invest in Government Bonds and Corporate Bonds Amidst Slowing Interest Rate Hikes? The financial landscape is ever-changing, and one of the pivotal forces that drive this change is the fluctuation of interest rates. For a period, investors found...

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The wonderland that is Sealand

  Ever taken part in a quiz where the quiz master asks a question, you know the right answer and you give it, but you are told you are wrong?  It’s so annoying, isn’t it?  Well, the classic question that will come up is what is the smallest state in the world? Some...

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Useful guides

We've created two useful documents to help you find a Independent Financial Adviser and make sure you get the most from them.

16 Questions To Ask Your Independent Financial Adviser

How to find an Independent Financial Adviser

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