Please find below the index of newsletter articles,
which are regularly emailed to clients. Simply click on a link to
download a pdf version of the leaflet. More leaflets will be added
weekly to this site, so don't forget to check back for other subjects.
| Date |
Subject |
Description |
| April 2008 |
Pensions
v ISAs |
Most people realise that pensions and ISAs are
both tax-efficient wrappers into which you can save your money.
However, there is often debate over which is the best vehicle
for your savings. This leaflet examines some of the pros and
cons of these wrappers and the benefits of using one versus
another. |
| March 2008 |
Investments
for Children |
The main issues which surround investing for
children. It lists reasons why you would save for your children
(such as university, weddings or school fees), and also investigates
the main tax-free schemes for children's savings, such as Child
Trust Funds. |
| March 2008 |
Investing
for the long term |
The general principle of investing is that over
time, especially the medium to long-term, the stock market should
outperform other assets such as bank or building society accounts.
However, many people also realise that investing in shares can
be risky, and this is often demonstrated by attention grabbing
journalists shouting about drops in share values. This leaflet
aims to explain how investing in the stock market for the long-term
should generate superior returns. |
| March 2008 |
Individual Savings
Accounts (ISAs) |
The complicated rules surrounding ISAs, and how
the accounts will change after April 2008. From this date, the
cash and shares elements will be simplified, and it will be
easier to mix and match your allowances. PEPs will change to
become ISAs, and you will be able to transfer from cash ISAs
to share ISAs. |
| March 2008 |
Our philosophy |
How we follow a defined process in our dealings
with clients. It gives an overview of the way we work, the different
services we offer, and how we manage research and investments
for you. |
| February 2008 |
Components
of a financial plan |
Our financial navigation service is a comprehensive
financial plan designed to give you the truth about your financial
situation. This leaflet explains how the plan is made up and
what this means to you. |
| February 2008 |
Lifetime
cashflow forecasts |
This leaflet explains the how lifetime cashflow
forecasts enable us to predict your financial future based on
assumptions about your finances. We can then tell you the truth
about where your finances are headed, and more importantly solve
any problems with this. |
| January 2008 |
Principles
of financial planning |
This leaflet explains the process that we go
through in our financial planning service. The service is designed
to allow you to take control of your finances so that you know
what to expect in future years. |
| November 2007 |
The
Financial Health Check Service |
This service aims to tell you the truth about
how your money works for you. It is a comprehensive plan which
shows where you are now with your finances, and more importantly
when you will run out of money. The ultimate aim is for financial
independence, so you can choose not to work if you want to,
and do the things you really want to do. |
| November 2007 |
Fund
Supermarkets |
Fund supermarkets enable you to invest all your
money under one platform, saving on cost and administration.
You can then choose from virtually any investment fund manager,
thus giving you the best chance to get decent returns on your
money. |
| October 2007 |
Pension
transfers |
Why you should consider reviewing existing pension
schemes with a view to transferring them to a new provider,
a little like a remortgage. This can save you charges, allowing
you to boost your retirement income, and also give you more
flexibility and fund choice. |
| October 2007 |
Our client
log in service |
How our client log in service allows you access
to all your plans and policies via a secure log in and password.
This service allows you to view all your records in one place
, check on policy valuations and let us know about changes to
your financial circumstances. |
| October 2007 |
Inheritance
tax |
This takes into account the changes to inheritance
tax announced by the Government in the statement issued 9th
October 2007. This is of interest to married people and those
in civil partnerships as this effectively doubles their inheritance
tax threshold. |
| October 2007 |
Our
investment process |
The process that we go through when advising
on investment portfolios. We take broadly the same approach
with each client so that we can ensure quality and consistency
of returns. |
| September 2007 |
The
Trustee Act 2000 |
The Trustee Act imposes a duty of care on trustees
to ensure that they properly review and diversify investments
which are held within trusts. |
| September 2007 |
Financial
Strength |
We explain how we take into account the ability
of companies to meet their liabilities, so we reduce the risks
to you. |
| August 2007 |
Paying
off debts early |
How making overpayments on your loans and credit
cards can save you thousands of pounds in interest, even with
relatively small amounts paid. |
| August 2007 |
The state
pension scheme |
How the state pension scheme works in practice,
and what you should expect to receive when you retire |
| August 2007 |
Pensions
and divorce |
How pensions are treated when divorce occurs.
A pension can be a major asset in a marriage, and needs special
attention when a couple splits up. You should also consider
the financial implications of any decisions. |
| August 2007 |
Company
stakeholder pensions |
All companies with 5 or more employees should
have a stakeholder pension scheme for their staff, unless they
meet certain exemptions. This leaflet explains which companies
need to set up schemes, and how to comply with the regulations.
|
| July 2007 |
The
risks of buy to let |
Information on some of the risks of buy to let
investment. Care should be taken in this area, as you can expose
yourself to too much risk without first examining the pitfalls. |
| July 2007 |
Shareholder
protection |
How businesses can protect against the loss of
a shareholder or partner. Often this area is overlooked, but
can have severe consequences for the business and the family
of the person affected. |
| July 2007 |
Key
person insurance |
How insurance can help a business protect against
the loss of profits caused by the loss of a key employee such
as a director, owner, or technician. |
| July 2007 |
Types
of mortgage |
Information on different options you can choose
when taking out a mortgage. |
| May 2007 |
Unsecured
pensions |
How you can keep your money invested when you
retire so that you can have more flexibility than a traditional
annuity. |
| May 2007 |
Income
protection |
How you can protect your income should the worst
happen, and you are unable to work due to illness. |
| May 2007 |
Why
use a fee-based adviser? |
Why a fee-based financial adviser works in your
interests, compared to a commission-based adviser, who tries
to sell you policies. |
| May 2007 |
Investment
risk |
How we help you to establish what level of risks
to take with your pensions, investments and savings. It also
explains how to diversify your portfolio. |
| April 2007 |
Contracting
out of the second state pension (S2P) |
Information on what it means to contract out
of the second State pension, and whether it is advisable to
contract back into the State scheme. |
| April 2007 |
Inheritance
tax insurance |
How taking out an inheritance tax insurance policy
can help to pay for your liability to inheritance tax. |
| March 2007 |
Mortgage
exit fees |
How lenders have been forced to stop increasing
their exit fees for clients paying off their loans early. Lenders
have agreed to stick to their original fees, and this leaflet
shows how to reclaim back excess fees. |
| March 2007 |
The
mortgage process |
How the process works when obtaining a mortgage
and buying a home. This is especially useful for first time
buyers. |
| March 2007 |
Protecting
your family |
Why you should consider insuring your life, income
of other areas so that your family is protected should the worst
happen. |
| February 2007 |
Ethical
Investment |
How ethical funds work to enable you to invest
according to your beliefs. |
| February 2007 |
Research
tools |
How we use research tools to provide you with
all the facts and to justify our advice to you. |
| February 2007 |
Retirement
options |
The basic options open to you at retirement and
why this is important. |
| February 2007 |
Commission
offset |
How commission offset can greatly benefit clients |
| January 2007 |
Personal
Pensions |
Why you should save for retirement, and how personal
pensions can help with this |
| January 2007 |
Avoiding
inheritance tax |
Some ideas on how to avoid paying inheritance
tax |
| January 2007 |
Inheritance tax |
Basic information on inheritance tax |
| January 2007 |
What you need to know
about long term care |
The general rules on long term care for nursing
homes |
| Topic |
Title |
Description |
| Financial Navigation |
Components
of a financial plan |
Our financial navigation service is a comprehensive
financial plan designed to give you the truth about your financial
situation. This leaflet explains how the plan is made up and
what this means to you. |
| Financial Navigation |
Principles
of financial planning |
This leaflet explains the process that we go
through in our financial planning service. The service is designed
to allow you to take control of your finances so that you know
what to expect in future years. |
| Financial Navigation |
Lifetime cashflow
forecasts |
This leaflet explains the how lifetime cashflow
forecasts enable us to predict your financial future based on
assumptions about your finances. We can then tell you the truth
about where your finances are headed, and more importantly solve
any problems with this. |
| Financial Navigation |
The Financial
Health Check service |
This service aims to tell you the truth about
how your money works for you. It is a comprehensive plan which
shows where you are now with your finances, and more importantly
when you will run out of money. The ultimate aim is for financial
independence, so you can choose not to work if you want to,
and do the things you really want to do. |
| Inheritance tax |
Avoiding
inheritance tax |
Some ideas on how to avoid paying inheritance
tax |
| Inheritance Tax |
Inheritance tax |
This takes into account the changes to inheritance
tax announced by the Government in the statement issued 9th
October 2007. This is of interest to married people and those
in civil partnerships as this effectively doubles their inheritance
tax threshold. |
| Inheritance Tax |
Inheritance
tax insurance |
How taking out an inheritance tax insurance policy
can help to pay for your liability to inheritance tax. |
| Investments |
Ethical Investment |
How ethical funds work to enable you to invest
according to your beliefs. |
| Investments |
Fund Supermarkets |
Fund supermarkets enable you to invest all your
money under one platform, saving on cost and administration.
You can then choose from virtually any investment fund manager,
thus giving you the best chance to get decent returns on your
money. |
| Investments |
Investing
for the long term |
The general principle of investing is that over
time, especially the medium to long-term, the stock market should
outperform other assets such as bank or building society accounts.
However, many people also realise that investing in shares can
be risky, and this is often demonstrated by attention grabbing
journalists shouting about drops in share values. This leaflet
aims to explain how investing in the stock market for the long-term
should generate superior returns. |
| Investments |
Investments
for children |
The main issues which surround investing for
children. It lists reasons why you would save for your children
(such as university, weddings or school fees), and also investigates
the main tax-free schemes for children's savings, such as Child
Trust Funds. |
| Investments |
Investment risk |
How we help you to establish what level of risks
to take with your pensions, investments and savings. It also
explains how to diversify your portfolio. |
| Investments |
Individual Savings Accounts (ISAs) |
The complicated rules surrounding ISAs, and how
the accounts will change after April 2008. From this date, the
cash and shares elements will be simplified, and it will be
easier to mix and match your allowances. PEPs will change to
become ISAs, and you will be able to transfer from cash ISAs
to share ISAs. |
| Investments |
Our investment
process |
The process that we go through when advising
on investment portfolios. We take broadly the same approach
with each client so that we can ensure quality and consistency
of returns. |
| Investments |
Pensions v ISAs |
Most people realise that pensions and ISAs are
both tax-efficient wrappers into which you can save your money.
However, there is often debate over which is the best vehicle
for your savings. This leaflet examines some of the pros and
cons of these wrappers and the benefits of using one versus
another. |
| Investments |
The Trustee Act
2000 |
The Trustee Act imposes a duty of care on trustees
to ensure that they properly review and diversify investments
which are held within trusts. |
| Long Term Care |
What you need to know
about long term care |
The general rules on long term care for nursing
homes |
| Mortgages |
Mortgage
exit fees |
How lenders have been forced to stop increasing
their exit fees for clients paying off their loans early. Lenders
have agreed to stick to their original fees, and this leaflet
shows how to reclaim back excess fees. |
| Mortgages |
Paying
off debts early |
How making overpayments on your loans and credit
cards can save you thousands of pounds in interest, even with
relatively small amounts paid. |
| Mortgages |
Types
of mortgage |
Information on different options you can choose
when taking out a mortgage. |
| Mortgages |
The
mortgage process |
How the process works when obtaining a mortgage
and buying a home. This is especially useful for first time
buyers. |
| Mortgages |
The
risks of buy to let |
Information on some of the risks of buy to let
investment. Care should be taken in this area, as you can expose
yourself to too much risk without first examining the pitfalls. |
| Pensions |
Contracting
out of the second State pension (S2P) |
Information on what it means to contract out
of the second State pension, and whether it is advisable to
contract back into the State scheme. |
| Pensions |
Company
stakeholder pensions |
All companies with 5 or more employees should
have a stakeholder pension scheme for their staff, unless they
meet certain exemptions. This leaflet explains which companies
need to set up schemes, and how to comply with the regulations.
|
| Pensions |
Pensions
and divorce |
How pensions are treated when divorce occurs.
A pension can be a major asset in a marriage, and needs special
attention when a couple splits up. You should also consider
the financial implications of any decisions. |
| Pensions |
Pension
transfers |
Why you should consider reviewing existing pension
schemes with a view to transferring them to a new provider,
a little like a remortgage. This can save you charges, allowing
you to boost your retirement income, and also give you more
flexibility and fund choice. |
| Pensions |
Pensions
v ISAs |
Most people realise that pensions and ISAs are
both tax-efficient wrappers into which you can save your money.
However, there is often debate over which is the best vehicle
for your savings. This leaflet examines some of the pros and
cons of these wrappers and the benefits of using one versus
another. |
| Pensions |
Personal
Pensions |
Why you should save for retirement, and how personal
pensions can help with this. |
| Pensions |
Retirement
decisions |
The basic options open to you at retirement,
and why this is important. |
| Pensions |
The state
pension scheme |
How the state pension scheme works in practice,
and what you should expect to receive when you retire |
| Pensions |
Unsecured
pensions |
How you can keep your money invested when you
retire so that you can have more flexibility than a traditional
annuity. |
| Protection |
Income
protection |
How you can protect your income should the worst
happen, and you are unable to work due to illness. |
| Protection |
Key
person insurance |
How insurance can help a business protect against
the loss of profits caused by the loss of a key employee such
as a director, owner, or technician. |
| Protection |
Protecting
your family |
Why you should consider insuring your life, income
of other areas so that your family is protected should the worst
happen. |
| Protection |
Shareholder
protection |
How businesses can protect against the loss of
a shareholder or partner. Often this area is overlooked, but
can have severe consequences for the business and the family
of the person affected. |
| General |
Research
tools |
How we use research tools to provide you with
all the facts and to justify our advice to you. |
| General |
Our philosophy |
How we follow a defined process in our dealings
with clients. It gives an overview of the way we work, the different
services we offer, and how we manage research and investments
for you. |
| General |
Commission
offset |
How commission offset can greatly benefit clients |
| General |
Why
use a fee-based adviser? |
Why a fee-based financial adviser works in your
interests, compared to a commission-based adviser, who tries
to sell you policies. |
| General |
Our client
log in service |
How our client log in service allows you access
to all your plans and policies via a secure log in and password.
This service allows you to view all your records in one place
, check on policy valuations and let us know about changes to
your financial circumstances. |
| General |
Financial
Strength |
We explain how we take into account the ability
of companies to meet their liabilities, so we reduce the risks
to you. |
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Planning.