Pensions, life, the universe and everything

There are some major changes coming to pensions from April next year and there is no doubt people already in retirement or approaching retirement age will see an explosion in the options open to them. This will be complex and quite daunting for many people. Without proper advice many will struggle to make informed decisions. … Continued

Retirement plans are too important for rules of thumb

Financial Planning is a very personal experience and everyone’s needs are unique. This is especially true when it comes to retirement. Yes, there are some general principles that most people would do well to follow but we must check and adapted these to our own personal circumstances. ‘I’ before ‘E’ except when there’s a feisty … Continued

Women control 80% of family financial decisions

Women get a raw deal financially Women generally live longer than men. Women are often a few years younger than their spouses. Therefore, it is highly likely that most women will become widows at some point in their life. One recent article suggested that “85% of women will be left alone to fend for themselves … Continued

The value of proper independent financial advice could be 10% each year!

There appears to be a perception that independent financial advice is expensive and unnecessary.  In a recent article in our Long And Winding Road series, B&Q and Financial Planning, I discussed the implications for independent financial advice given the rise of the DIY investor. In a recent report KPMG  highlighted a significant rise in the … Continued

What is a pension anyway and who really cares?

I often hear people moan about pensions being poor investments. They might say something like, “the returns have been so dreadful I would have been better investing in an ISA, buy-to-let property or even sticking cash under the mattress”. This thinking is flawed as it confuses the tax treatment of pensions with the actual investments … Continued

A “failed experiment”?

Our client portfolios often include funds from Dimensional Fund Advisers (DFA) so we thought it might be interesting to hear some words of wisdom from the horses mouth. Today we have a guest blog from Weston Wellington, Vice President of DFA. Weston is known for his insightful analysis and ability to communicate in an interesting … Continued