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. Getting divorced is [...]

2020-02-10T11:39:36+00:00 February 10th, 2020|News|

Retirement income. What choices do you have?

If you are in your fifties or early sixties now is a good time to start thinking about what your retirement income might look like. With our busy lives, it is always easy to put these reviews off as you may feel that retirement is still a long way off and there is little you [...]

2019-11-06T16:29:24+00:00 December 16th, 2019|News|

Inheritance tax receipts keep rising. Need you pay?

Exceptionally high levels of stamp duty are reported to be discouraging house sales and in particular discouraging older people from downsizing. Stamp duty on the sale of a £2 million home will amount to £153,750 and on a £600,000 home to £20,000. The government is also benefitting from increased receipts from inheritance tax (IHT) which [...]

2019-12-10T15:07:52+00:00 November 18th, 2019|News|

Investing in Stocks and Shares? What to consider?

With savings rates being at a historical low for some time, you may be looking at different ways of protecting your hard-earned money from inflation. Investing is a more adventurous approach with your savings that might now be worth considering. Purchasing stocks and shares is one way to do this. Stocks and share purchase is [...]

2019-10-15T16:30:32+01:00 October 31st, 2019|News|

Is marriage the greatest tax planning strategy ever?

Many financial advisers will claim that marriage is – “The greatest tax planning strategy ever invented”. This might not seem very romantic but is it true? Inheritance Tax (IHT) is perhaps the biggest benefit. Unmarried couples can only pass assets to each other free of tax up the value of the “nil rate band” of [...]

2019-10-15T16:53:56+01:00 October 14th, 2019|News|

Investment Risk. What do I need to know?

So, what do you need to know about Investment Risk? As a firm of Independent Financial Advisers, we always discuss at some length your Attitude to Investment Risk and in particular, the relationship between risk and reward and time. The more risk you are prepared to accept; the greater the long-term rewards will often be, [...]

2019-08-14T09:25:35+01:00 August 22nd, 2019|News|

Paraplanner Samantha Clarke is now “Chartered”.

Congratulations to Samantha. A massive, “Well Done”, to Paraplanner, Samantha Clarke for completing her Chartered Insurance Institute (CII), Level 6 qualification exam, in “Financial Planning Process”.  This was the last in a series of exams which means that she has now earned the title of "APFS, Chartered Financial Planner ". Caroline Anstee, Managing Director of [...]

2019-06-26T18:53:13+01:00 June 13th, 2019|News|

Would you like a Dementia Friends Information Session?

By Rachel Efetha, Chartered Financial Planner. Yesterday morning I was pleased to present a Dementia Friends Information Session to the BRI Networking Breakfast in Northampton. The Information Session helps to explain what dementia is and encourages the audience to take action after participating, from something as simple as wearing their Forget-Me-Not Dementia Friend badge to [...]

2019-05-10T16:25:18+01:00 April 8th, 2019|Community, News|

Should you cash in investments before Brexit?

By Anna-Louise Dearden, Editor of Muddy Stilettos, Northamptonshire. Whether it's a short or long term financial goal, saving is often a key part, but do we need to think about our cash before Brexit? Yep, Brexit. Yawn. We're all tired of hearing of it but, with the "big day" looming, there are still some personal [...]

2019-04-25T12:19:33+01:00 April 2nd, 2019|News|

Asset Classes? Do I need to attend them?

When undertaking a financial planning review with our clients our financial planners often talk about different asset classes. So what do they mean? Below is a brief overview of what these asset classes do. Some asset classes are better for income while others come into their own when you are looking for capital growth. Some [...]

2019-01-23T16:01:41+00:00 January 10th, 2019|News|