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+00:00 January 28th, 2019|News|

Financial Education can be fun.

By Rachel Efetha, Chartered Financial Planner.  At University, the first thing I was told in my first lecture was that on day one of employment, I should start paying into a pension.  However, I was studying BA (Hons) Financial Services and learning about pensions was part of the syllabus.  I wonder how many engineering students [...]

2018-06-25T10:32:18+00:00 June 25th, 2018|News|

3 Reasons Why You Should Review Your Existing Pension Contracts

By Rachel Efetha, Chartered Financial Planner, based in Bedford, Bedfordshire. According to the insurer, LV= the UK worker will change jobs every five years on average.  Assuming you have a new pension for every job, the average 40-year-old will have accumulated five pensions. Below are the top three reasons why you should review your existing [...]

2018-05-04T16:10:48+00:00 May 7th, 2018|News|

We help a local charity make a big splash!

Northamptonshire Telegraph Johnston Press Last year through our golf day we raised over a £1,000 for the charity Serve. Serve were looking to raise money for a new purpose-built bathroom for people who are elderly or have disabilities. Their hard work paid off recently with the opening of this new facility in Higham [...]

2018-05-03T16:55:11+00:00 May 3rd, 2018|News|

Dementia Friends. Training for your staff.

Training for you and your staff. A Dementia Friend is someone who learns a little about what it is like to live with dementia and then turns that understanding into action, for instance, signing up to the Alzheimer’s Society’s campaigns to improve the lives of people with dementia or being more patient when out in [...]

2018-04-04T17:08:25+00:00 April 6th, 2018|News|

Volatility is Back. Investing in a volatile market

Investing in a volatile market Recently the markets have been more volatile and this often causes concern to investors who do not fully understand this complex subject. Volatility can be triggered by many events and is a normal part of investing and generally should not be feared.  However, market volatility is also a reminder that [...]

2018-04-04T15:18:28+00:00 April 5th, 2018|News|

Getting divorced? Will a financial adviser help you get the best deal?

By Rachel Efetha, Chartered Financial Planner based in Bedford, Bedfordshire. The first working Monday of the new year has been dubbed ‘Divorce Day’ as it sees an increasing number of married couples starting to make enquiries about ending an already unhappy marriage which has had an increasing strain over the festive period. Here we are, [...]

2018-02-21T15:50:16+00:00 February 7th, 2018|News|

Credit score and how to improve yours.

It’s important that you check and manage your credit score regularly. Why, you might ask? Well, it can affect your ability to borrow money or access financial products such as mortgages, loans and credit cards. So what is a credit score? It is financial information held about you on a credit report, also known as [...]

2018-02-21T15:50:26+00:00 December 1st, 2017|News|

Equity release might solve your retirement plans?

Figures from the Equity Release Council show that homeowners took out £824 million of property wealth between July to September 2017. This is over a forty per cent increase from the same time last year. Equity release is also referred to as lifetime mortgages. There are now over 121 life time mortgages on the market [...]

2018-02-21T15:50:27+00:00 November 27th, 2017|News|

Should you transfer your final salary pension?

Recent figures show that nearly a quarter of a million people have moved their final-salary pension fund. The industry name for this type of fund is defined-benefits (DB). Many experts are warning that the trend is a time bomb because people risk poverty in later life. So far over £50 billion has been removed from financial [...]

2018-02-21T15:50:29+00:00 November 20th, 2017|News|