Independent Financial Advisers - Financial Life Planning
Managing the Money You Have Today, I’m going to tell you about Zara and while her story is of course, personal, you might find some of it relates to you, if you are in, or have been in, a similar situation. Now Zara’s story wasn’t a unique situation and I’d seen it before, but I…
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From the 29th of July, a little over a month from now, Funeral Planning will become regulated by the FCA, and only authorised advisers will be able to provide advice on Funeral Plans. It’s actually a vitally important subject, despite its sombre nature, and if you continue reading you will see why. Thanks Mum! If…
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This week I’ve noticed a common theme and something that I’m not overly-happy about! I’ve been having a number of conversations about client fees, and I must admit that I am mildly irritated by it. Only yesterday I was in a discussion with a well-known investment platform. The platform is considering implementing a minimum fee…
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Being a Vulnerable Person Could Make You a Target for Finance Scams – Be Aware! Earlier this year the FCA launched guidance for Financial Advisors relating to the fair treatment of vulnerable clients. On the FCA website it states that their research showed that “27.7 million adults in the UK now have characteristics of vulnerability…
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What an uplifting topic and one that I have covered it before but it’s important to update these topics periodically, especially this one. The reason this came to mind was because yesterday morning I had to submit my application to the FCA to continue to be authorised to supply advice on Funeral Planning. While the…
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Putting money in a standard UK bank saving account or cash ISA will see your savings shrink, not grow. How come? Well, typical bank interest rates are below the cost of inflation – the amount prices rise and affect how much it costs us to live. Let’s say you’ve had £1,000 in a high street…
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Why do the rich just seem to get richer? It’s a fact that money makes money and a key reason for this is due to compound interest. It may sound like financial jargon but the way it works is simple. When you set up a savings plan, after a set amount of time you usually…
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