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+01:00August 8th, 2019|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+01:00May 21st, 2018|News|

Mortgage borrowing into retirement. Should you?

Over the last few years, mortgage lenders have become more amenable to older borrows who are moving into retirement. We have seen mortgage rates improve and there's now greater flexibility in the products available. Traditional mortgage lenders are now will to extend the borrowing term of the mortgage beyond state pension age. The requirement that [...]

2018-04-13T14:20:02+01:00April 30th, 2018|News|

Protecting your family. A personal story.

By Rachel Efetha, Chartered Financial Planner based in Bedford. Last year I took part in the Prudential Ride London 100-mile bike ride and took the opportunity to raise money for Bowel Cancer UK.  The reason I chose this particular charity is because a friend of friends, Mark, who I had met from time to time [...]

2018-04-13T16:53:23+01:00April 23rd, 2018|News|

Enterprise Investment Scheme. What are they & do you need one?

I am often asked about Enterprise Investment Scheme (EIS). Often people are aware that they are a way of saving tax but are not sure if they are right for them. So here is a simple, straightforward guide. The Enterprise Investment Scheme is a tax- efficient investment that was introduced by the Government back in [...]

2018-04-05T17:20:04+01:00April 19th, 2018|News|

Housing wealth could be the key to comfortable retirement.

Couple planning their retirement People retiring over the last twenty years, have on average, seen enormous rises in the value of their homes. Figures show that house prices have risen in England by 42% in the last twelve years alone. These figures highlight that your home could be an obvious asset to tap [...]

2018-04-23T09:49:48+01:00April 16th, 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+01:00April 5th, 2018|News|

Spring Statement 2018. Find out more about the key points.

Chancellor Philip Hammond delivered his first Spring Statement on 13th March 2018.  Below is a summary of the key points from his speech: Spring Statement 2018 Economy The UK economy has grown every year since 2010 and is now expected to grow at the faster rate of 1.5% this year, compared to the forecast of [...]

2018-04-03T11:59:06+01:00April 3rd, 2018|News|