Coping with Uncertainty

Just as you mature and develop as a person, and your circumstances do likewise, so will your financial goals. The aims you had for the money you were earning when you were 20 will not be the same a...

Please see the link below to view our quarterly newsletter for the Summer of 2019.

The value of balancing your income and expenditure was famously summed up by Mr Micawber in Charles Dickens' novel David Copperfield: "Annual income twenty pounds, annual expenditure nineteen si...

The short, and simple, answer is: everyone at some point in their life. Some people, if their finances are especially complex, will need a long-term adviser offering regular meetings and updates. B...

How can you increase your chances of a successful investment in equities / stocks and shares? Please find attached a short paper by Fidelity International on this question. One of the...

From time to time, stock markets go through periods of uncertainty. This could be down to some poor economic news or perhaps due to a political crisis. The sharp falls that can be experienced at su...

The Insolvency Service has urged individuals saving for retirement to protect their pension pots from criminals and 'negligent trustees'. Research carried out by the Service found that cri...

In working out what income you will need in retirement, there are many factors to take into consideration. You are not only having to look ahead 20, 30, maybe 40 years into the future, you are also...

With the aim of identifying local talented individuals and helping them to develop into perhaps the next generation of financial advisers/ planners and be part of a wealth management team, we are l...

ISAs (Individual Savings Accounts) are a very popular and efficient way of saving because returns are paid tax-free. There are six main types – cash, stocks and shares, innovative finance, ju...

Venture Capital Trusts (VCTs) are investment companies that are listed on the London Stock Exchange and are set up to invest in small UK businesses that meet certain criteria. To encourage support ...

There are many issues when it comes to managing your income once you retire. Assuming you set up a pension scheme (or were enrolled into one by an employer), you will retire with a plan that needs ...

As with all discussions and opinions regarding Brexit, ask 100 financial advisers what might happen, and how might you prepare, and you’re likely to receive 100 different answers. At the mome...

Our annual Wealth Preservation Seminar will offer suggestions and guidance for financial planning and investment management. Tax planning ...

Please see the following link to Dimensional Fund Advisers Market Review for the 2nd Quarter of 2018. As well as providing the numbers behind recent market movements, this provides an interesting s...

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A combination of aggressive reductions in the lifetime allowance (LTA), as well as restrictions on the pension annual allowance – such as the tapered allowance for high earners – has ha...

While retirement certainly brings about its share of unknowns, perhaps the most daunting prospect associated with this stage of life is the potential to run out of money.That fear is wi...

With UK interest rates currently at record lows and the continuing uncertain backdrop for investors, the Innovative Finance ISA (IFISA) adds another string to the ISA portfolio options. The IFISA a...

One in 29 children – a typical class size – lose a parent before they grow up. Life insurance is a crucial, but an often overlooked financial consideration with other demands on income ...

George Osborne had hoped to reach the milestone two and a bit years earlier in 2015, but Britain is now officially in the black and running a budget surplus for the first full year since 2001. Offi...

U.K. household spending - excluding mortgage payments - rose to £554.20 pounds per week in 2017, climbing back to pre-crisis levels of more than a decade ago for the first time, according to ...

Equity prices change every day based on supply and demand. If more investors want to buy a share than sell it at the current price, the price goes up. If more want to sell than buy, the ...

 Volatile markets can be stressful for investors, but this volatility can also be viewed in a more positive light. Rapid price changes show that markets are working as they quickly ...

Whiting and Partners Wealth Management Limited measures its own business success from our clients point of view. The money our clients invest is much more than £pounds. It often embodies year...

It may sound strange, but your pension could be the last thing you should draw on in retirement.Over the last five tax years the amount paid in inheritance tax (IHT), near...

The outcome of the Referendum last year confounded the predictions of the opinion polls, the bookies and the markets. All three ended the working day on 23 June with the...

The cuts and adjustments made to the two main pension allowances since 2011 have made retirement planning all the more complex.The lifetime allowance, which sets an effect...

The overwhelming majority of people who have been fortunate enough to be a member of a defined benefit (also known as ‘final salary’) occupational pension scheme should stay wit...