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‘Aren’t you the client’?

Somewhere in the mists of time the relationship between advisers and their respective firms and networks has in some cases sadly eroded. Advisers themselves treat their clients with respect and professionalism building a binding long-term trust between both parties....

Change

Everyone it seems ignores change, but in my opinion, the only thing that is guaranteed – apart from death and taxes of course – is that EVERYTHING WILL CHANGE. This is not a maybe or a might but WILL change. What I have never understood is why people invest money and...

Investment Risk

Let me say first of all that when anyone invests money there WILL BE SOME RISKS INVOLVED. How much depends on the individuals choices and approach. Let me explain.  ALL investments have risks involved and as you can imagine – some risks are higher than others. What we...

The Cost of Investing

I had a recent case, where a potential client asked me to look at her pension and give her advice on what she could do with it. It was worth just over £600,000 and so was a sizeable pot, and my recommendation was to put this onto the investment platform that we use...

What kind of pension can you expect from your pension fund

One of the big challenges that people have is trying to figure out what they “might” come out with a pension when they retire, and the problem here is that this can be over a long time – hence the confusion. M A P has developed a simplified cash flow model which...

What does planning actually mean?

When someone thinks of planning, they may very well imagine that this involves a lot of technical stuff that is beyond them, but I would suggest that this is where an IFA comes in.     It never ceases to amaze me how many people do not do any planning and are then...