Seeing Things Differently

Last year my optician informed me that I was developing cataracts in both eyes and I needed to have the lenses replaced with surgery. I knew my eyesight was getting worse, as night driving was more difficult and when playing real tennis I was losing the flight of the ball as it neared my racquet. […]

Active or Tracker Funds?

We have discussed the ways you can invest your hard earned cash many times over the last 12 years, and recently we also covered MiFID II. This aims to ensure that in order to restore consumer confidence after the 2008 crash, European markets are safer, efficient and transparent. From our point of view, this entails […]

Investment Fund Charges – Are You Clear?

Q. I was chatting to a colleague over coffee and the subject of investments came up. He said that new rules meant that he could now see what he was paying in charges on his ISAs, and it was more than he thought. What new rules are these, as I must admit I haven’t checked my policies at […]

Most Investors Do Not Get Value For Money!

  At the end of 2016 we reported on the study that the Financial Conduct Authority (FCA) were carrying out into the Asset Management Market. Why was this important? Well, as the FCA stated: “The asset management industry plays a vital role in the UK’s economy. Asset managers manage the savings and pensions of millions […]

A Fulfilling Retirement – What Will It Look Like?

Q. As one of your clients, I understand that you concentrate on ‘the purpose of money’, and that money is a means to an end. I’m curious to know, is this ‘lifestyle advising’ now more common compared to when we started working together 10 years ago? A. In short, yes it is more common, but unfortunately not […]

How to Get the Best Cash Accounts

Q. I am a 64 year old GP and am now in retirement.  I have all my financial affairs sorted out and have a spread of investments together with a good NHS Pension and my State Pension as well as my wife’s to come soon. Part of our wealth is held in cash for now and tomorrow spending (we […]

Fund Managers Show Their True Colours!

We have written often about the failing of the banks to truly look after their clients who invest with them. Scandal after scandal has appeared in the press and it was no surprise to hear that last year Barclays sacked Anthony Jenkins who was brought in in the summer of 2012 following the departure of […]