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Top Independent Financial Adviser Award

What Achievements Are You Most Proud Of? At the beginning of any new year, it’s good to look forward to what lies ahead, it’s also a good time to look back at your past achievements. In 2010, I was extremely honoured to receive recognition from the Million Dollar Round Table by receiving a Lifetime Achievement […]

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DON’T SHOOT THE MESSENGER !

The last financial crash in 2008 gave the global economy a brutal beating, governments felt compelled to take measures to provide monetary stimulus to the financial markets. Over the last 14 months we have expressed our concerns, warning investors that this twin increase in liquidity had artificially inflated asset prices, meaning gains made might dissipate. […]

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Investments have Bombed, so How Did You Do ?

Looking back at our records, you have been a client for XX years now, during those years you have enjoyed a high level of “income” by way of making regular capital withdrawals from your investment accounts. Your previous investment holdings would not have provided such a generous level of “income”, you would have had to […]

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“You cannot have a cake and eat it too.”

“You cannot have a cake and eat it too.” (Baugman). Try telling that to the shareholders of Pattisserie Valerie- epic code (CAKE), for the Directors of that company have been busy selling shares, over the past two years. Presumably the recent bombshell that are financial “irregularities” within the company , leading to a £20m black […]

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Investment Trusts are not always best ?

Investment Trusts are not always best? That was the title of a recent article by IT Geek in the Investors Chronicle, an investment periodical that has not enhanced its reputation this year by making a strong case to BUY Conviviality and published it the same day as Conviviality collapsed! The article then compared five pairs […]

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Investment Questions that make Sense

Investment Questions that make Sense Many potential investors ask questions at an initial meeting, these often relate to the cost of the service being provided not the value being delivered. They will often query the number of employees that you have as a lot of investors prefer to invest with large companies as this gives […]

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Financial Journalists & Investment Trusts

Financial Journalists & Investment Trusts The average employment period for financial journalists is eighteen months, so its not surprising that many of the pieces they submit for publication demonstrate a lack of knowledge of the subject they are writing about. Misleading articles merely add to the levels of financial confusion, the blind leading the blind. […]

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Spending: What to Do When You and Your Spouse are NOT on the Same Page?

Spending: What to Do When You and Your Spouse are NOT on the Same Page? Many inexperienced financial planners may assume that couple’s attitudes to money are aligned. Invariably they are not, money issues are one of the biggest sources of marital strife, and a leading factor in divorces. The financial disparity between a couple […]

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Large Pensions and Lifetime Allowance

Large pension funds need to consider the Lifetime Allowance, that is the total value you can accumulate in pensions before incurring additional tax penalties. The Lifetime Allowance (LA) was introduced in 2006/7  at £1.5M, the LA figure has changed over the years and it was reduced to £1M in 2016/17. However, for future tax years […]

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Stock Market Valuations and What to do in 2018

Stock Market Valuations and What to do in 2018 The valuations of stock markets are at an all-time high, recent research by Schiller states that the Cape Schiller index at 30 has only been reached twice before and that coincided with massive subsequent drops in stock market values. Not surprisingly we have re-iterated this to […]

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