A short reminder of year-end income tax and tax-advantaged investments planning | March 9, 2018

While year-end (aka “last minute”) planning understandably attracts the headlines at this time of year, most will accept that the best tax planning is planned at the beginning of the tax year.  Remember Step 2 of The Money Plan – Be Financially Well Organised. That said here is a (very) short reminder of the main (so by […]

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Office public Guardian

Lasting Power of Attorney Refunds | February 11, 2018

I often shout the need for Powers of Attorney – for everyone!  Not just the elderly. Now, if you have listened and if you have registered a Lasting Powers of Attorney (LPA) between April 2013 and March 2017 then you may be due a refund! The Office of the Public Guardian (OPG) is issuing partial […]

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FTSE 100 Review | December 8, 2017

The FTSE 100 has undergone its latest quarterly review. FTSE Russell, the providers of the FTSE 100 and related UK indices, has announced the results of its quarterly review.  This was based on market values on 28th November and will take effect from Monday 18th December. As far as the FTSE 100 is concerned, there are three […]

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Buffett wins the $500,000 bet against the active manager | October 6, 2017

To the ordinary man or women on the street in the UK, the name Warren Buffett may not mean much, but to others, especially those in the financial world, his name is gospel. Warren Buffett made billions thanks to his ability to successfully analyse companies and investment over the years. Now, it looks like he’s […]

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How long will you live? | October 2, 2017

A million-pound question!  When will I die? If we knew when our final day was, it would be so easy to plan, so easy to know how much we can spend now verses save for retirement, where we would holiday, when we would have our last kiss and when to say our last good-bye. But […]

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Keep investing simple | August 22, 2017

Legendary music producer Quincy Jones has loaned his name to a new ETF tracking companies involved in any aspect of ‘online streaming of entertainment’.  There are plenty of other ‘niche, thematic’ ETFs currently available such as; Horizons Marijuana Life Sciences Index – This ETF has grown to $82.9m, despite a comedown from its’ high. Millennials Thematic […]

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Women rertirement age

The effect of raising the female state pension age | August 5, 2017

The Institute for Fiscal Studies (IFS) has issued a working paper examining “the effect of raising the female state pension age on income, poverty and deprivation”. It offers a variety of interesting and sometimes counter-intuitive insights to the reform, which was originally set in train by the Pensions Act 1995. For example: Between 2010/11 and 2015/2016, the […]

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Tax year end

More Over 50’s Setting up Businesses | July 28, 2017

ONS (Office of National Statistics) data shows that as at the end of 2015 there were 4.6m self-employed people in the UK – up from 3.8m in 2008 – and the over 50’s account for 43% of those that start their own business.  In addition, the number of self-employed people aged 65 and over has […]

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Personal Pension

Half Way Point of 2017 Check In | July 19, 2017

The first half of 2017 is over, where did that time go!  The last 6-months marked the end of another politically turbulent period in the UK. The view across the six months belies the upheaval that took place: the most widely quoted yardstick of the UK stock market, the FTSE 100, nudged up a little […]

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