Trust. The different types and when to use them.

So, what are they? A trust is a legal arrangement where you give property, investments or cash to someone else so they can look after them for the benefit of a third party. An example of this would be if you put some of your savings aside in a trust for your children. The roles [...]

2019-07-31T14:31:55+01:00 August 8th, 2019|News|

Rachel raises Deafblind awareness ahead of the Marathon.

Our Chartered Financial Planner, Rachel Efetha has recently completed a 5 km Parkrun in Bedford wearing a blindfold and ear defenders. The aim is to simulate being Deafblind and to raise awareness of the charity she is running the London Marathon for. Rachel Efetha, Chartered Financial Planner said- “I’m running the London Marathon for this [...]

2019-05-02T16:16:52+01:00 April 18th, 2019|Community, News|

The ‘B’ Word – Should I Cash in My Investments?

By Rachel Efetha, Chartered Financial Planner. B is obviously for, yawn, Brexit.  My clients are asking me more and more if they should cash in their investments before Brexit and my answer to them is another question ‘what is the purpose of your investments?’. Investment case study. Client “A”. Client A has a modest portfolio [...]

2019-01-28T09:31:31+01:00 January 28th, 2019|News|

Personal Finance Society Annual Symposium

By Rachel Efetha, Chartered Financial Planner. At the end of November, four members of the team attended the National Financial Planning Symposium in North Greenwich. Symposium /sɪmˈpəʊzɪəm/ Noun A conference or meeting to discuss a particular subject A drinking party or convivial discussion, especially as held in ancient Greece after a banquet (and notable as [...]

2018-12-18T10:14:06+01:00 December 3rd, 2018|News|

Husband and Wife Owner Managed Businesses

By Rachel Efetha, Chartered Financial Planner. Yesterday I visited two sets of completely unrelated new clients who are both in a very similar position. Both the husbands are tradesmen and both the wives run the office for them under a limited company. Both got in touch as their businesses were ticking along nicely and they [...]

2018-10-01T12:00:37+01:00 September 27th, 2018|News|

Pensions – It’s never too late to save for your retirement.

By Rachel Efetha, Chartered Financial Planner. Whilst the 40 somethings parents and grandparents enjoyed a job for life and a pension from their employer based on the number of years service and their final salary, along with a state pension at 60 for women and 65 for men, most non public sector employees do not [...]

2018-07-06T11:12:52+01:00 July 23rd, 2018|News|

Do you want to be a “Silver Striver”? The dos and don’ts.

What is a silver striver I hear you ask? Is it a new superhero from Marvels Infinity Wars film? Well no, a silver striver is the new term being used by marketing types for people who are working past their retirement date. If this is something that you are considering out of choice or necessity [...]

2018-05-29T14:06:34+01:00 May 28th, 2018|News|

Equity release: Product features explained.

Many people who are looking at equity release often get confused about some of the product features on offer. Some would appear at first sight to be just a marketing ploy. Others have some real benefits for you. The list below highlights some of the key terms used by the equity release companies. Check them [...]

2018-05-31T15:43:08+01:00 May 21st, 2018|News|