Pensions Advisers
Mortgage Advisers Ethical Advisers Long Term Care Female IFAs
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Pensions Advisers
Mortgage Advisers Ethical Advisers Long Term Care Female IFAs
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Articles SYMPONIA APPLAUDS SOCIAL CARE REFORMS GOING TO THE TOP OF THE POLITICAL AGENDA - May 2008 By Tim Anstee - (The Wealth Care Partnership) Prime Minister Brown's vow to make social care for the elderly fairer and more affordable has been applauded by Symponia , the national affinity group for care fees planning and financial advice for people over 65. The Prime Minister's speech marks the end of a six month public consultation focussed on the future of social care in Britain and puts care for the elderly at the top of Britain's political agenda. FREE Pensions Advice – The Truth Revealed, by an adviser - May 2008 By Chris Clark - (The Thinc Group) You may find it incredible to believe, but pension planning does not have to be an expensive, time consuming exercise that ultimately leads to disappointment. The general belief is that you either pay a large fee (or number of fee’s) to a financial adviser to plan your retirement or you find a ‘commission bias’ adviser who will deliver low quality advice and recommend solutions to suit their financial plans and not yours. The truth is however that the control is entirely in your hands to ensure you receive high quality advice that enhances your financial well-being, and simply by following the 4 steps below you can ensure peace of mind in your financial plan, without writing out any cheques! SHOULD YOU BE AFRAID TO RELEASE EQUITY FROM YOUR HOME? - May 2008 By Helen Kanolik - (Heliting Financial Services Ltd) What can you do if you are retired, and don't have enough income each month, or enough in the way of savings you can draw on, but you live in a property which you own?
Is your With Profits Policy a Dinosaur? - February 2008 By Mark Rawlings - (Inshore IFA Ltd) Most people review their credit cards and mortgages on a regular basis, but few review their with-profits investments. It is estimated that there are over 10 million policies in the UK at the moment, most of which have never been reviewed. We have introduced a With-Profits review service to assist our clients who have with-profits pensions and With-Profits investment bonds. Wonderland: The Secret Life Of Norman Wisdom Aged 92 - January 2008 By Karen Rayner - (Independant Financial Advisor) The BBC2’s very touching documentary on the problems faced by Norman Wisdom’s family when dealing with the dilemma of how to provide him with full time care, highlighted the emotional and physical aspects of what so many people can go through, with elderly parents in failing health. Although, it is not typical for most families to have to deal with the elderly person playing up to the cameras and seeking recognition from total strangers, most families have their own unique circumstances to deal with when an elderly relative is unable to look after themselves. Investments in your future… Socially Responsible Investment in today's climate? - September 2007 By Hudson Green & Associates Ltd Investing with your conscience does not mean foregoing potentially superior returns for your money. There are a number of simple reasons for this; primarily, if you are making an investment for the medium to long term, in today's economic and environmental climate you are likely to be investing for five to ten years and as such, if part of your investment funds are focussed on technological advances in water supply, renewable energy sources, sustainable business practices etc, then it follows that your investments might share in the successful growth of these industrial sectors. Secondly, a fund managers team will spend less time searching for ideal “stocks” in which to invest, as they will have a narrower focus within which to work; this can mean that the team of analysts will understand their industrial or geographical sector much deeper, allowing them to make more refined judgements in their work. HOW TO MAKE YOUR MONEY WORK HARDER FOR YOU - July 2007 When it comes to investing money, whether through pensions, ISAs, property or the stock market, it is wise to seek professional advice. There are numerous options to choose from and obtaining expert opinion from an independent source will help ensure you achieve the best return on your investment. At HFS Milbourne we start by assessing a client’s attitude to risk, using a questionnaire to determine acceptable levels of return. We then recommend an appropriate asset allocation i.e. a split of investments across UK equities, international equities, property etc. as appropriate. To develop the investment portfolio, rather than simply selecting one insurance company or fund manager, we use a ‘multi manager’ fund approach. This gives us the option to choose from a much wider range of funds, and means we can select the best performing investments for the client. INHERITANCE TAX CASE STUDY: MR JONES - March 2007 Mr Jones is aged 60, is married to Mrs Jones, who is aged 58, and they have one Son, aged 30. Mr and Mrs Jones have a flourishing manufacturing business, which they have built up over many years and in which his Son also works. Currently, Mr & Mrs Jones have Wills made years ago which leave everything to each other. Mr and Mrs Jones have savings and investments of £300,000, a property worth £700,000 and shares in the business valued at some £510,000 (Mr Jones) and £490,000 (Mrs Jones). They have income of £100,000 per annum with average outgoings of no more than £70,000 per annum. Also they have made prudent pension provisions, so they expect a comfortable retirement in due course. Linking your site to SearchIFA.co.uk - April 2006 Generally, if we advise people to link their websites to the SearchIFA.co.uk site they are immediately reluctant to do so. The misconception is that by linking to SearchIFA.co.uk you will lose visitors who have found your website; but are you actually getting any visitors, and are there benefits from linking to SearchIFA.co.uk? Positive Pension Planning - September 2005 Remarkably enough pensions have been making headlines recently and usually for the wrong reasons. The recent activity tends to be focused on so-called ‘final salary’ occupational schemes and the security they do (or do not) offer their members. Why use an Independent Financial Advisor - IFA? As with most things in the modern world, the financial services industry moves at a rapid pace. Financial markets change constantly and become increasingly more complex. Regulators review the opportunities to obtain high quality products and control the basis on which advice is given. Why use an Independent Financial Advisor IFA? With thousands of financial products on the market, finding out which ones are best suited to your particular requirements can be bewildering to say the least. Not to mention time-consuming and potentially expensive if you make the wrong choice. THE WOMEN'S IFA GROUP (WIG) by Fiona Price WIG aims to encourage the development of women IFAs all over the UK (and those who aspire to be so) as well as celebrating their success. It is a not-for-profit organisation founded by specialist IFAs for women, Fiona Price & Partners. WIG provides a calendar of events including high profile speakers, mentoring forums and networking. Why Equitable Life Policy Holders Should See an IFA NOW! By Alec McHale - Independent Financial Advisor Those who have policies with Equitable Life are asking themselves many questions. - Will this situation ever be resolved? - Will my funds stay secure? - Will I lose more money? - Should I cut my losses and transfer? - Can I complain, is so who to? There is no simple answer to any of these questions,... Equitable Life - An IFAs view By Robert Graham - Independent Financial Advisor The with-profits system , unique to the UK and provider of reliable benefits for many decades to endowment holders, pensioners and others was invented in 1762 by The Equitable Life. The system's birth resulted from the establishment of sound actuarial principles. The neglect and manipulation of these principles has led to the death of their august creator Confused about Endowments? Do you have an endowment-linked mortgage? Millions of homebuyers do. Many have received letters from the insurance companies from whom they took out their policy to say that their endowments are being "reviewed"... | ||||||||||||
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