Big vs Small Financial Advisers

Choosing a Financial Adviser

Why Some Banks Will Not Give Financial Advice

Published / Last Updated on 10/10/2013

Under the new RDR rules, advisers must quote a fee before giving advice.Some advisers may give a set fee for work others may give a percentage fee.Some companies now offer non-advised sales meaning they are not liable for bad advice, and can still full commission.

Related Videos

Yet Another Scam Spotting Warning

Yet Another Scam Spotting Warning

We have personally received a number of scam emails purporting to be us or sent by us so we thought it prudent to remind you again of some examples ...

24d

Advice Tips

How Do Interest Rates Affect Us and the Economy?

How Do Interest Rates Affect Us and the Economy?

11 years ago, we shot a video on how interest rates affected us and the economy. At the time Bank of England interest rates were at just 0.5% pa ...

1m22d

Advice Tips

Payday Loans, Flexi Overdraft and Wage Flow Loans Explained

Payday Loans, Flexi Overdraft and Wage Flow Loans Explained

Over 10 years ago, paydays loans were extremely popular with people using the short-term loan as an alternative to an overdraft, extended overdraft or indeed an unauthorised overdraft. They were ...

1m26d

Advice Tips

Why Do Currency Exchange Rates Change?

Why Do Currency Exchange Rates Change?

We have explained in a previous video that money and currency exchange is exactly that, you are exchanging an item of value (or a promise of sterling when it ...

1m29d

Advice Tips

What is Money? What is GBP £ Pound Sterling?

What is Money? What is GBP £ Pound Sterling?

Money can be defined as an accepted medium for exchanging the value of goods and services. In modern times, these are usually with notes and coins (those things in ...

2m4d

Advice Tips

Should You Trust Direct Consumer Deals with Banks Insurers Lenders?

Should You Trust Direct Consumer Deals with Banks Insurers Lenders?

We shot a video over 10 years ago about trusting banks. We have revisited the subject given the Retail Distribution Review (RDR) that started on 1 January 2013 that ...

2m26d

Advice Tips

Dialling 159 is the 999 Equivalent for Banking Scams

Dialling 159 is the 999 Equivalent for Banking Scams

We will all be familiar with the 999 Emergency telephone number for police, fire, ambulance, coastguard etc. in the UK and in the USA, it is 911. What you ...

5m19d

Advice Tips

10 Tips to Grow Your Money

10 Tips to Grow Your Money

It is worth understanding how financial services advice has changed since 2013. On 1 January 2013, the Retail Distribution Review came into force for financial services. Financial advisers must have ...

2m28d

Advice Tips

Make Sure You Do Regular Budget Reviews

Make Sure You Do Regular Budget Reviews

Things have moved on over the last 10-15 years regarding our spending habits and how we use money. ‘Back in the day’ you would go to the ATM and ...

3m11d

Advice Tips

Hidden Financial Adviser Fees and Commissions

Hidden Financial Adviser Fees and Commissions

Beware of hidden trail, fund based and renewal fees or commissions choking off investment returns. As much as 1% pa can be knocked off your fund values. Are you paying ...

6m

Advice Tips

Six Types of Financial Adviser

Six Types of Financial Adviser

When we first shot this video topic over 10 years ago, there were fundamentally 3 types of financial adviser: Tied Adviser – where they were appointed representatives of one product ...

6m8d

Advice Tips

How To Choose A Financial Adviser

How To Choose A Financial Adviser

Which Financial Adviser? Tips on how to choose the right financial adviser when financial advice itself can be overwhelming anyway. You would not give your personal and financial information to ...

6m14d

Advice Tips

Back Up Your Data Now Warning

Back Up Your Data Now Warning

Many of us have lost their phones or sim card or computers have crashed, or deleted files by accident or even been hacked and data stolen. In fact, one ...

9m7d

Advice Tips

Earn More Interest By Checking Bank Account Interest Rates

Earn More Interest By Checking Bank Account Interest Rates

Some of you may be aware in the news that politicians have been taking big banking groups to task over not passing recent interest rate increases to savers and ...

9m23d

Advice Tips

Financial Advice Fees 10 Years After RDR

Financial Advice Fees 10 Years After RDR

In 2008/2009 we had the Credit Crunch Crisis with banks failing and being bailed out by governments around the world due to toxic debt from lending too much money ...

> 1y2m

Advice Tips

Some Wealth is Good for Your Health

Some Wealth is Good for Your Health

A recent article that Ashley Roberts-Clark (Director) read argued that wealth is bad for your health. The arguments offered were that people can make themselves ill by trying to make ...

> 1y3m

Advice Tips

How We Are Planning for Getting Older

How We Are Planning for Getting Older

We talk about retirement and ageing a lot with clients but equally amongst ourselves about old age; not just the financial side of retirement but also quality of life ...

> 1y4m

Advice Tips

Get Credit Card with No Credit History

Get Credit Card with No Credit History

We have received a couple of enquiries recently with people having trouble in getting credit as they have no credit history. Case 1 – Police officer, wishing to remain ‘off ...

> 1y4m

Advice Tips

Pension Fraud and Scam Questionnaire

Pension Fraud and Scam Questionnaire

In July 2021, the Financial Conduct Authority published that nearly £2.3m had been stolen in pension scams for the period January 2021 through to May 2021, that’s nearly £500,000 ...

> 1y4m

Advice Tips

Action When Fraudulent Pay Day Loan In Your Name

Action When Fraudulent Pay Day Loan In Your Name

What action should you take if a loan or pay day loan account is taken out in your name fraudulently. We only found this out about it by one ...

> 1y5m

Advice Tips

What is the Barbell Investment Strategy?

What is the Barbell Investment Strategy?

Stock markets have taken a hit this week on expectations of the US Federal Reserve and the Bank of England consider more robust action on interest rate increases to ...

> 1y7m

Advice Tips

Retirement Cash Flow Projections and Illustration Growth Rates Versus Inflation

Retirement Cash Flow Projections and Illustration Growth Rates Versus Inflation

In discussions with a client recently, they questioned the assumptions and accuracy in a retirement cash flow forecast model of their expected income, expenses, capital appreciation and de-cumulation (spending ...

> 1y10m

Advice Tips

Time to Fix Your Mortgage?

Time to Fix Your Mortgage?

Property prices continue to hit new highs as pent-up demand from lockdown and demand for out of town and coastal property continues alongside others returning to our towns and ...

> 1y11m

Advice Tips

How Pensioners Can Beat Inflation With Their Savings

How Pensioners Can Beat Inflation With Their Savings

With inflation at 9%pa and savings interest rates at no more than 1% or 2%pa currently, this means that if you have cash savings, you are literally losing money ...

> 1y11m

Advice Tips

Use Old Postage Stamps Soon as Replaced By Barcode Stamps

Use Old Postage Stamps Soon as Replaced By Barcode Stamps

It is time to check your office desk, your purse or wallet, your drawers and your car for stamps that bear the Queen’s head. Stamps with the Queen’s head on ...

> 1y11m

Advice Tips

Why has FTSE 250 fallen more than FTSE 100?

Why has FTSE 250 fallen more than FTSE 100?

In recent weeks, due to omicron, inflation and Ukraine, the FTSE 100 index has fallen just 3.68% below its year high whereas the FTSE 250 index is 13.13% below ...

> 2y1m

Advice Tips

Opportunity Investing During Volatility

Opportunity Investing During Volatility

We all know about and understand the principle of “buy low sell high”. We all want to buy shares or property or any other asset when prices are low and ...

> 2y2m

Advice Tips

Do Not Stop Saving During Market Falls

Do Not Stop Saving During Market Falls

We have recently had discussions with a couple of clients: One client had stopped their monthly savings into an ISA when markets fell due to the omicron variant in December ...

> 2y2m

Advice Tips

Power Drip Feeding Into Investment Funds

Power Drip Feeding Into Investment Funds

We all know that to make profit from normal investments you must buy low and sell at a higher price whether that is shares, property, bitcoin or other. (Yes, ...

> 2y4m

Advice Tips

In Your Shoes New Consumer Duties

In Your Shoes New Consumer Duties

The Financial Conduct Authority has issued draft guidance for new rules that all financial services firms including financial advisers will be required to adopt in their business practices and ...

> 2y4m

Advice Tips

Problems When Companies Takeover Your Old Policies

Problems When Companies Takeover Your Old Policies

There can be numerous problems and difficulties when pensions and investment companies are taken over or bought out or if part of their business is taken over by another ...

> 2y8m

Advice Tips

How Do We Crystal Ball Gaze for Investment Opportunities?

How Do We Crystal Ball Gaze for Investment Opportunities?

Forecasting future growth areas, markets and trends is not just about statistical analysis as many would have you believe. If it was then investors, fund managers and governments would ...

> 2y9m

Advice Tips

Hidden Additional Expense Charges on Funds

Hidden Additional Expense Charges on Funds

As part of the FCA’s drive to make investment charges more transparent, all fund managers, providers and financial advisers are required to disclose charges in an explicit, clear, fair ...

> 2y11m

Advice Tips

The Power of Starting Saving Early

The Power of Starting Saving Early

For many years, we have talked and offered examples on this website about why people should start saving as early as possible as the compounded effect of saving lower ...

> 3y

Advice Tips

Introducing MoneyHelper

Introducing MoneyHelper

Most of us will have heard of the Money Advice Service, The Pensions Advisory Service and Pension Wise. All three are funded by the financial services, pensions and investment ...

> 3y

Advice Tips

FTSE 100 v FTSE 250 v Dow Jones v S&P 500

FTSE 100 v FTSE 250 v Dow Jones v S&P 500

The FTSE 100 is made up of the largest, publicly listed 100 companies in the UK. The Dow Jones is the top 30 in the US, the likes of ...

> 3y

Advice Tips

Bigger Picture to Focus on Overall Returns Not Individual Funds

Bigger Picture to Focus on Overall Returns Not Individual Funds

When we conduct a financial review for a client either as part of an initial review, a pre-retirement review or as part of our ongoing Money MOT Gold or ...

> 3y1m

Advice Tips

Private Investor Army Thwarts Short Sell Speculators

Private Investor Army Thwarts Short Sell Speculators

The GameStop and Silver Bullion private investor ‘Army’ that is thwarting Wall Street. Short Selling Explained Hedge Funds are betting on shares falling – i.e. they are selling a stock that ...

> 3y2m

Advice Tips

Time to Invest Cash Accounts in Stock Markets

Time to Invest Cash Accounts in Stock Markets

Inflation in December 2020 doubled to 0.6%pa from November’s 0.3%pa. Bank of England base interest rates are currently just 0.1%pa with consultation papers circulating on the impact of the Bank ...

> 3y3m

Advice Tips

A Wealth Building Habit That Transforms Your Future

A Wealth Building Habit That Transforms Your Future

Always use this simple wealth building habit to transform the ‘end game’ for your savings, pensions and mortgages. E.g. £200pm pension contribution increasing at 0%, 2.5% pa and 6%pa. That’s ...

> 3y6m

Advice Tips

Pension Attitude Live for Today with One Eye on Tomorrow

Pension Attitude Live for Today with One Eye on Tomorrow

Change Our Attitudes – Pension Are ‘Long Term Savings’ If you are in your 20s or 30s, pensions and retirement seem such a long way off. You have immediate concerns ...

> 3y7m

Advice Tips

Financial Advice v Instructions v DIY

Financial Advice v Instructions v DIY

It is all about a question of liability for a financial advice. If you are given financial advice then the financial adviser becomes liable for life rather a cut off ...

> 3y7m

Advice Tips

Property Fund Suspensions Start to Lift

Property Fund Suspensions Start to Lift

Virtually all property funds have been suspended during the coronavirus lock down period. They were suspended because investors were worried about the commercial property market and fund managers were ...

> 3y7m

Advice Tips

Warning Regularly Revisit and Reset Your Security Settings

Warning Regularly Revisit and Reset Your Security Settings

We cannot repeat this enough, not just for our website but for all your secure banking, finance, pensions and investments websites, mobile phone applications and others, you should reset ...

> 3y8m

Advice Tips

Regularly Review Where Pension Fund Invested

Regularly Review Where Pension Fund Invested

We have likened investment funds to our cars and homes for many years. If you do not check your roof, boiler, decorate, weed the garden regularly, your home will fall ...

> 3y7m

Advice Tips

Why A Detailed Fact Find Questionnaire Is Needed

Why A Detailed Fact Find Questionnaire Is Needed

When you appoint us a your financial adviser, there is a usually a detailed fact find questionnaire required. Many clients ask why is it so detailed and how secure ...

> 3y8m

Advice Tips

Do Not Get Caught Out With Small Print

Do Not Get Caught Out With Small Print

I made a mistake of not reading the small print of an agreement. I suffered financial penalties for inactivity. It is in the terms and conditions that I agreed to. I ...

> 3y8m

Advice Tips

Treat Your Money Like a Business Goals Objectives

Treat Your Money Like a Business Goals Objectives

Goals and objectives setting for your personal wealth planning. You need to have ‘vision’ - If the way ahead is unclear you still need to plan to get there. In business, ...

> 3y8m

Advice Tips

Treat Your Money Like a Business Profit and Loss Account

Treat Your Money Like a Business Profit and Loss Account

Build your own personal wealth profit and loss account to plan for the future, just like a business. How is your career likely to develop? Pay rises, redundancy, is income rising, ...

> 3y8m

Advice Tips

Treat Your Money Like a Business Balance Sheet

Treat Your Money Like a Business Balance Sheet

A balance sheet is a statement, it is a ‘snapshot’ in time of assets less liabilities of a business to show its net value. Do the same with your personal ...

> 3y8m

Advice Tips

Treat Your Money Like a Business Win Lose Change

Treat Your Money Like a Business Win Lose Change

Like with any business plan, you have to do the same with your wealth plan. You must adapt it on an ongoing basis to reflect your own changes in ...

> 3y8m

Advice Tips

Treat Your Money Like a Business Power of 8 and Kaizan

Treat Your Money Like a Business Power of 8 and Kaizan

Double your knowledge, double your skills, double your activity = 8 X fold increase or another way to look at it is the principle of Kaizan – make small daily changes ...

> 3y9m

Advice Tips

Contingent Charging for Financial Advice Should be Banned

Contingent Charging for Financial Advice Should be Banned

The FCA’s recent notice on new rules for defined benefit pension transfers regarding a ban ‘contingent charging’ i.e. adviser fees only paid if a transfer goes ahead meaning an ...

> 3y10m

Advice Tips

The Pros and Cons of a Cashless Society

The Pros and Cons of a Cashless Society

A card payment only and online banking only cashless society means exactly that, no cash. It means no cash, cashless. Cashless means fully digital, fully traceable. Some extracts from social ...

> 3y9m

Advice Tips

Pooled Family Investments Pension and Mortgage Discounts

Pooled Family Investments Pension and Mortgage Discounts

For some time now we have had ‘family SIPPs’ (self invested personal pensions) where family members pool resources in their pension funds to collectively invest. We have also had, for ...

> 3y10m

Advice Tips

Financial Wellbeing

Financial Wellbeing

With the launch of the Institute for Financial Wellbeing last week, we thought we should take a look at what financial wellbeing should look like when we are giving ...

> 4y1m

Advice Tips

Behavioural Science in Finance

Behavioural Science in Finance

Changing people’s habits, bias and emotions to make finance and investment decisions more rational. Self Deception – be aware that you are probably deceiving yourself into thinking you know more ...

> 4y1m

Advice Tips

Time to Switch from Cash to Markets

Time to Switch from Cash to Markets

January 2020 Consumer Prices Index CPI has ticked up to 1.3%pa to 1.8%pa and Retail Prices Index RPI up from 2.2%pa to 2.7%pa. So a 0.5% increase in a month ...

> 4y2m

Advice Tips

2020 Predicted Interest Rate Cuts Impact On Markets

2020 Predicted Interest Rate Cuts Impact On Markets

It is now being widely forecast that the Bank of England may cut interest rates sooner rather than later as the UK economy slows. What will be the likely ...

> 4y3m

Advice Tips

The Military Action Effect On Stock Markets

The Military Action Effect On Stock Markets

Military intervention has impacted on stock markets over the last 40 years or so. The current USA/Iran/Iraq tensions: Oil and Gold prices went up but then back down as the ...

> 4y3m

Advice Tips

2020 Stock Market Predictions

2020 Stock Market Predictions

The world will avoid a global recession in 2020. Central Banks have already taken action to avoid slowdown but we do expect some in 2021. The earnings outlook is improving ...

> 4y3m

Advice Tips

FOMO Investing and Investment Timing

FOMO Investing and Investment Timing

Why do people start to invest when markets are high and pull out when markets have fallen? The Fear of Missing Out (FOMO) .... Investment timing is impossible. Invest fully, or ...

> 4y5m

Advice Tips

Attitide to Risk v Tolerance to Loss Volatility

Attitide to Risk v Tolerance to Loss Volatility

Attitude Towards Risk: May be based upon your experience, knowledge of markets. Amounts involved and the importance of the money to you. The proportion of investment compared to your total wealth. Length of ...

> 4y6m

Advice Tips

Why Markets Fell After US Rate Cut

Why Markets Fell After US Rate Cut

Why did stock markets fall after US interest rate cut? Federal Reserve Deputy Chair said: "This is not the beginning of a long series of interest rate cuts." The $ ...

> 4y8m

Advice Tips

Is It Time To Make A Cheeky Offer on Property Purchases

Is It Time To Make A Cheeky Offer on Property Purchases

Is It Time To Make A Cheeky Offer on Property Purchases? Taking longer to sell property at present. Property in South East are down. Property prices is UK grinding ...

> 4y9m

Advice Tips

Property Fund Liquidity Warning

Property Fund Liquidity Warning

A 'No Deal' Brexit may result in serious economic slowdown in UK. This may mean a dramatic fall in demand for commercial property. It may mean a rise in ...

> 4y9m

Advice Tips

Why You Should Not Chase Star Fund Managers

Why You Should Not Chase Star Fund Managers

Do not chase fund managers. They all have good periods and eventually will have a bad period. Think about high charges - how many companies are taking a slice of ...

> 4y10m

Advice Tips

How Much Do You Trust Your Financial Adviser

How Much Do You Trust Your Financial Adviser

Financial Advice and wellbeing – How much do you trust your financial adviser? How much do you trust your solicitor? How much do you trust your accountant? How much ...

> 4y10m

Advice Tips

Should I Save In Pensions Or Investments

Should I Save In Pensions Or Investments

Should I save in pensions or investments? Pensions for tax relief but cannot access until you are older. Decide what is the purpose/goal of savings and what is your timescale. Pensions ...

> 4y11m

Advice Tips

Am I A Low Medium Or High Risk Investor

Am I A Low Medium Or High Risk Investor

Should you invest in low, medium or high risk funds? Decide what is the purpose/goal of your savings and what is your timescale. Timescale is important! We suggest: Short term money ...

> 4y11m

Advice Tips

Markets Tumble on Trade War and Brexit Tension

Markets Tumble on Trade War and Brexit Tension

May 2019 Market woes on US/China trade war tension and Brexit chaos. The European outlook is down Euro zone business growth accelerated a touch in April 2019 but not as ...

> 4y11m

Advice Tips

Banks and Insurers Introducer Con

Banks and Insurers Introducer Con

Many banks, insurers, pensions and investment companies have changed their business models over the years or sold off parts of their business to another company. For example a bank ...

> 4y11m

Advice Tips

Trade War Markets Fall Yet FTSE 100 Rises

Trade War Markets Fall Yet FTSE 100 Rises

Trade War. Trade War. Trade War. Donald Trump increased tariffs earlier than expected given alleged positive trade discussions to 25% on $200 billion worth of Chinese goods. He suggests ...

> 4y11m

Advice Tips

Why No Pensions Investments Uswitch

Why No Pensions Investments Uswitch

There are no Pensions Investments Uswitch type facilities because pensions and investment charges, performance, penalties and bonuses are much more difficult to compare versus rate driven products such as ...

> 4y11m

Advice Tips

Pound To Strengthen FTSE 100 To Fall

Pound To Strengthen FTSE 100 To Fall

Will the pound rally? Increases in National Minimum Wage and National Living Wage = knock on effect up the ladder = Rising wages. Meaning greater expectations of interest rate rises ...

> 5y

Advice Tips

PROD Appropriate Investment Products and Services

PROD Appropriate Investment Products and Services

PROD is an industry term for the FCA's "Product Intervention and Product Governance Sourcebook"(One of the FCA rule books on how financial advisers and investment firms conduct business with ...

> 5y

Advice Tips

Behavioural Science To Plug Savings Gap

Behavioural Science To Plug Savings Gap

We need to tap into what we do habitually and by using Behavioural Science to do this, we can plug the Savings Gap: 2 Pay Packets? Add to savings when you ...

> 5y

Advice Tips

Trade War Is Inflation The Real Goal

Trade War Is Inflation The Real Goal

Trade War Is Inflation The Real Goal? US/CHINA/EU Trade War Tariffs & Brexit Tariffs = Cost of Imports Increase= Inflation= Interest Rates & Wage Rises= Foods/Property/Stock Markets Rise= Government Debt Devalued ...

> 5y

Advice Tips

The Money and Pensions Service MAPS

The Money and Pensions Service MAPS

The Money and Pensions Service (MAPS) was launched on 06/04/2019 and has been created by the merger of The Pensions Advisory Service (TPAS), the Money Advice Service (MAS) and ...

> 5y

Advice Tips

Half Financial Advisers Could Disappear

Half Financial Advisers Could Disappear

The Financial Ombudsman Service (FOS) compensation limit has been increased from £150,000 to £350,000 with effect 01/04/2019. Financial Advisers cannot contest and must abide be FOS rulings. Consumers can, in ...

> 5y

Advice Tips

Mortality Increase No Longer Living As Long

Mortality Increase No Longer Living As Long

Mortality rates are worsening i.e. we are not living as long as we were just a few years ago. This impacts on pensions, investments, insurance, annuity rates and more Use our ...

> 5y1m

Advice Tips

Why Are Cash Funds In My Pension

Why Are Cash Funds In My Pension

Why are there Cash Funds in my pension fund recommendations when I want to take +/-10%, +/-20% risk etc and/or I have cash elsewhere? Most pension schemes offer a cash ...

> 5y2m

Advice Tips

Brexit Withdrawal Agreement Amendment Votes Effect On Markets

Brexit Withdrawal Agreement Amendment Votes Effect On Markets

We take a look at the Brexit Withdrawal Agreement MP amendment votes on 29th January 2019 and their effect on markets. Will the UK or EU blink first?...

> 5y2m

Advice Tips

Stock Market After Brexit Agreement Rejected

Stock Market After Brexit Agreement Rejected

We explore what could happen to the stock market after the EU Brexit Withdrawal Agreement was rejected by MPs....

> 5y3m

Advice Tips

Why FTSE 100 Fell Despite Brexit Weak Pound

Why FTSE 100 Fell Despite Brexit Weak Pound

We explain why FTSE 100 fell over festive season 2018/2019 despite Brexit concerns and weak pound that would normally keep FTSE 100 shares higher....

> 5y3m

Advice Tips

2018 Review and Predictions for 2019

2018 Review and Predictions for 2019

End of Year Message 2018 - Short review of investment market for 2018, predictions for 2019 and what actions you should take in early 2019....

> 5y4m

Advice Tips

Changes to Pension Investment Plan Benefits

Changes to Pension Investment Plan Benefits

What happens when major changes to your pension and investment benefits are proposed for all policyholders by the investment company?...

> 5y5m

Advice Tips

Company Takes Over Your Pension Investment

Company Takes Over Your Pension Investment

What happens when your pension or investment company sells their client 'book' and another company takes over looking after your pensions and investments?...

> 5y5m

Advice Tips

Directory Services and Websites

Directory Services and Websites

We offer some pointers when using directory services and websites as some may offer a great free service whereas others may be selling your details to the highest or ...

> 5y6m

Advice Tips

Is Property Fund Investment Now High Risk

Is Property Fund Investment Now High Risk

The FCA has published a consultation paper on Illiquid Assets in investment funds e.g. property. Independent valuer for immovable property in a fund. If valuer is concerned with valuations, fund ...

> 5y6m

Advice Tips

F I R E Investing Pension Pay 10

F I R E Investing Pension Pay 10

Part of the Financial Independence Retire Early series (FIRE) we look at a concept of only have to paying the equivalent of 20 years pension contributions in just 10 ...

> 5y6m

Advice Tips

F I R E Investing Start Pension Early

F I R E Investing Start Pension Early

Part of the Financial Independence Retire Early series (FIRE) we look at a concept of starting your pensions early and paying more now rather than later and the impact ...

> 5y6m

Advice Tips

F I R E Investing Pay Off Mortgage in 10 Years

F I R E Investing Pay Off Mortgage in 10 Years

Part of the Financial Independence Retire Early series (FIRE) we look at a concept of paying your mortgage off in 10 years, giving you the opportunity to then boost ...

> 5y6m

Advice Tips

F I R E Investing Extreme Couponing

F I R E Investing Extreme Couponing

Part of the Financial Independence Retire Early series (FIRE) we look at 'extreme couponing' when shopping to potentially save £000s in a year giving you more money to boosting ...

> 5y6m

Advice Tips

No Blame Divorce Consultation Advice Still Needed

No Blame Divorce Consultation Advice Still Needed

A 'no blame' divorce consultation is in progress to remove the 'blame game' divorce process under the Matrimonial Causes Act but we suggest both legal and financial advice should ...

> 5y7m

Advice Tips

Why FTSE 100 Fell 5 per cent in One Month

Why FTSE 100 Fell 5 per cent in One Month

Why has FTSE 100 fallen? We explain why in just one month to today 06/09/18, FTSE 100 has fallen by over 5%....

> 5y7m

Advice Tips

Will Scrapping Coppers Mean Inflation

Will Scrapping Coppers Mean Inflation

Countries overseas have already scrapped small denomination coins and coppers, what will the affect be in UK if 1p and 2pn copper coins disappear?...

> 5y8m

Advice Tips

Demo of how to check the FCA Register and Scam Smart for Scammers

Demo of how to check the FCA Register and Scam Smart for Scammers

Don't get caught out by scammers. We demo. how to check the FCA Register and Scam Smart for scammers and clone financial firms....

> 5y8m

Advice Tips

Flat Rate Pension Tax Relief Could Be Difficult

Flat Rate Pension Tax Relief Could Be Difficult

We explore a few issues that may crop up if the Government move to Flat Rate Pension Tax Relief of say 25% to 30%. It could prove to be ...

> 5y8m

Advice Tips

Is Trade War Really About Inflation and Goverment Debt Devaluation

Is Trade War Really About Inflation and Goverment Debt Devaluation

We pose the theory that trade war is not about protectionism but may be about inflation and devaluing record government borrowing and public sector debt....

> 5y8m

Advice Tips

What could Bank of England do on No Deal Brexit

What could Bank of England do on No Deal Brexit

What actions could the Bank of England take on a No deal Brexit to stimulate the economy and attract new ventures to UK and encourage existing ones to grow?...

> 5y8m

Advice Tips

Spacesport Investment Opportunity

Spacesport Investment Opportunity

Following the announcement of 5 spacesport locations in the UK, we look at whether there are opportunities to invest early or indeed purely from a location perspective with real ...

> 5y8m

Advice Tips

Check if your Insurance is UK or EU Based

Check if your Insurance is UK or EU Based

Hundreds of insurance policies, whether it be special insurance, motor car hire or travel insurance may not be underwritten by UK insurers, they may be through UK branches of ...

> 5y9m

Advice Tips

The Impact of Wage Inflation on the Economy and Investments

The Impact of Wage Inflation on the Economy and Investments

We explain the impact of wage inflation on the economy, investments, stock markets, gilts, property, bonds and fixed interest funds....

> 5y10m

Advice Tips

Regularly Review Investment Risk and Rebalance Your Portfolio

Regularly Review Investment Risk and Rebalance Your Portfolio

We explain why you should regularly review you attitude to investment risk, tolerance to investment losses and rebalance your portfolio to avoid under or over exposure to market risk....

> 5y10m

Advice Tips

Quitaly Italy Euro Crisis Explained In 5 Minutes

Quitaly Italy Euro Crisis Explained In 5 Minutes

We take a look at the stock market volatility and explain the 'quitaly' Italy position and euro crisis in just 5 minutes....

> 5y10m

Advice Tips

Why Has FTSE 100 Hit An All Time High

Why Has FTSE 100 Hit An All Time High

We suggest reasons why FTSE 100 has hit an all time high in May 2018, bouncing back 11% and what to watch out for if another correction comes just ...

> 5y11m

Advice Tips

Stock Market Index versus Stock Market Fund

Stock Market Index versus Stock Market Fund

We explore the difference in stock market indices and funds that we use in our red, amber and green Traffic Light Investment Market Sentiment Alerts. We explain the difference ...

> 5y11m

Advice Tips

Light Red Investment Status April 2018

Light Red Investment Status April 2018

27/04/18 - All markets were again green this week with positive returns now for the last three weeks, with the exception of China and the US. The UK’s FTSE ...

> 6y

Advice Tips

Interest Rate Rise Warning 2018

Interest Rate Rise Warning 2018

It is predicted that interest rates may rise twice in 2018 and again in 2019. How can you prepare for interest rate rises? What is will be the additional ...

> 6y

Advice Tips

General Data Protection Regulations GDPR 2018

General Data Protection Regulations GDPR 2018

General Data Protection Regulations (GDPR) from 25 May 2018. There are six lawful ways that your data can be used. You will soon receive more contact from firms checking ...

> 6y

Advice Tips

Pet Insurance Plan Premiums

Pet Insurance Plan Premiums

Has your per insurance premium gone up? We explain how we got our pet insurance premiums lower with one simple change....

> 6y

Advice Tips

Test Trial Your Retirement Pension Income

Test Trial Your Retirement Pension Income

A simple pre-retirement tip, actually 'borrowed' from a friend of the directors. Test trial and live as if you have already retired. Work out your projected pension income, subsistence ...

> 6y1m

Advice Tips

Loan Equity Release Cash from your Car or Motorcycle

Loan Equity Release Cash from your Car or Motorcycle

Can you raise cash or finance from your car or motorbike? Yes, there are specialist lenders that will lend you money against the value of your car or motorbike ...

> 6y1m

Advice Tips

How To Spot Hacking Texts and Emails

How To Spot Hacking Texts and Emails

How to spot hacking and fake texts and emails: video explores an attempt by hackers to hijack a mobile phone and bank account this week....

> 6y2m

Advice Tips

Hedge Your Bets on Stock Market Investment

Hedge Your Bets on Stock Market Investment

How to invest in a volatile market? We explain how we hedge our bets and use drip feeding or phased investing using pound cost averaging, i.e. spreading the average ...

> 6y2m

Advice Tips

What Should I Do On Market Correction

What Should I Do On Market Correction

What should I do on stock market correction? Our guidance on considerations and possible actions you can take either to hold your position, fully invest or drip feed some ...

> 6y2m

Advice Tips

Drip Feed When Markets Are Volatile

Drip Feed When Markets Are Volatile

Volatility in markets in February 2018 has led us to shoot another video explaining the benefits of drip feed investing (sometimes known as pound cost averaging) either into or ...

> 6y2m

Advice Tips

Market Correction This Week

Market Correction This Week

FTSE 100 is down 8% since mid-January and up only marginally at around 0.6% this morning at the time of shooting this video. As you would expect, we cannot call ...

> 6y2m

Advice Tips

Stating the Obvious Shop Around and Save Money

Stating the Obvious Shop Around and Save Money

We know it is stating the obvious, but our director did exactly that, he shopped around and saved £268 on motor insurance in just 10 minutes. If just 10 ...

> 6y2m

Advice Tips

MiFID II Financial Advisers Must Disclose Fees Every Year

MiFID II Financial Advisers Must Disclose Fees Every Year

Under MiFID II rules that started in January 2018 investment firms and financial advisers must tell you their fees and what they were paid each year rather than pnly ...

> 6y3m

Advice Tips

Fixed Interest Fund Warnings

Fixed Interest Fund Warnings

A warning about fixed interest funds holding government bonds and gilts as central banks pull back from QE and nerves in the bond market. Rising yields may push capital ...

> 6y3m

Advice Tips

Different Risk Profiles

Different Risk Profiles

We take a look at investment alerts, our market sentiment indicators and why our actions may be totally different to those recommended to clients....

> 6y3m

Advice Tips

3 Bank Accounts to Budget and Save

3 Bank Accounts to Budget and Save

We look at managing your budget in 2018 as prices rise and suggest 3 bank accounts are needed to budget and save....

> 6y3m

Advice Tips

Market Forecasts 2018

Market Forecasts 2018

What is the consensus for markets and forecasts in 2018? We look ahead and what others are predicting for 2018....

> 6y4m

Advice Tips

What banking information do you want shared with other organisations? Open banking from January 2018 means you get to choose what and who you can share your spending habits with....

> 6y4m

Advice Tips

Only Greedy People Get Conned

Only Greedy People Get Conned

We have a saying that only greedy people get conned. If it looks too good to be true, it probably is. Remember this when looking to invest....

> 6y4m

Advice Tips

Bitcoin v Sterling

Bitcoin v Sterling

We take another look at Bitcoin, the cryptocurrency and decentralised payment exchange facility. Is it really that different to central bank currencies?...

> 6y4m

Advice Tips

General Data Protection Regulations 2018

General Data Protection Regulations 2018

We take a quick look at the General Data Protection Regulations 2018. Companies should not keep personal data that they do not need about you....

> 6y5m

Advice Tips

Frequency of Stock Market Corrections

Frequency of Stock Market Corrections

We have looked at UK, US and Japanese stock markets on a monthly basis over the last 15 years to find out which have the greatest large swing correction ...

> 6y6m

Advice Tips

What Is My Attitude To Risk

What Is My Attitude To Risk

What is my attitude to investment risk? We offer a simple way to look at your attitude to risk and tolerance to investment loss....

> 6y6m

Advice Tips

No Deal Brexit Pound Collapse Effect

No Deal Brexit Pound Collapse Effect

We explore the impact of a speculated no deal Brexit, the pound falling by another 20% and how FTSE 100 would react....

> 6y6m

Advice Tips

Why Are Brexit Talks Stalling

Why Are Brexit Talks Stalling

We look at why Brexit talks are stalling, why is there deadlock, why do both sides need to move?...

> 6y6m

Advice Tips

Is NAFTA A Plan B For UK Brexit

Is NAFTA A Plan B For UK Brexit

Could NAFTA be a plan B for UK Brexit? We take a at the North America Free Trade Agreement, a tariff fee common market, for Canada, Mexico and the ...

> 6y6m

Advice Tips

Risk Profile and Portfolio Building Calculators

Use our risk profile calculator and investment portfolio building calculator to experiment with different investment mixes to build the right investment portfolio mix to match your tolerance to investment ...

> 6y6m

Advice Tips

German Election Result Means Market Instability

German Election Result Means Market Instability

The results of yesterday's German election, whilst Angela Merkel remains Chancellor, the huge swing away means she may not have the power she once had and this may mean ...

> 6y7m

Advice Tips

Is A Weak Pound A Brexit Divorce Bill Strategy

Is A Weak Pound A Brexit Divorce Bill Strategy

We explain why the Bank of England maintaining low interest rates and thus a weak pound despite inflation pressures could be a classic Brexit Divorce Bill strategy....

> 6y7m

Advice Tips

Demographic Investment

Demographic Investment

Crystal ball gazing the investment future by looking at demographic investment, property, defensive stocks and technology when looking at population growth....

> 6y8m

Advice Tips

500 Identity Thefts Per Day

500 Identity Thefts Per Day

With reports that there are over 500 identity thefts per day in the UK, we offer suggestions on our good habits that we have to try and protect our ...

> 6y8m

Advice Tips

What is Fractional Banking

What is Fractional Banking

Fractional Banking: What is it? What risks does it place on consumers? Should banks really be allowed to lend money they do not have?...

> 6y8m

Advice Tips

Why is Insurance Cheaper With Different Companies

Why is Insurance Cheaper With Different Companies

Why is the price of home insurance, motor insurance and life insurance different? We explain why insurers are simply bookmakers....

> 6y8m

Advice Tips

Bulk Buy Groceries

Bulk Buy Groceries

Simple suggestion to bulk buy your groceries, shopping and long term / no expiry date products ahead of prices rises....

> 6y9m

Advice Tips

Will There Be A Stock Market Crash in 2017

Will There Be A Stock Market Crash in 2017

Will there be a stock market crash in 2017? That is the question we and many investors are asking and trying to work out. Inflation is increasing in the ...

> 6y10m

Advice Tips

Bank of England Split Panel Decision on Interest Rates

Bank of England Split Panel Decision on Interest Rates

What is the likely impact on markets with the Bank of England Monetary Policy Committee split panel decision on interest rates? Markets down or up? Inflation down or up?...

> 6y10m

Advice Tips

Cash Parked Investment Funds Inflation Warning

Cash Parked Investment Funds Inflation Warning

We offer a warning on cash parked pension and investment funds following this weeks inflation figures and the potential for more inflation, stock market falls and interest rate increases....

> 6y10m

Advice Tips

Impact of Higher Inflation

Impact of Higher Inflation

We explore the impact of higher inflation as the Office for National Statistics releases latest shock increases to CPI and RPI....

> 6y10m

Advice Tips

Investing After Election Revolt 2017

Investing After Election Revolt 2017

Where to invest after the shock election revolt as Theresa May sets up a minority government for 2017 and Brexit....

> 6y10m

Advice Tips

Eighties Market Lesson Long Term Equity Growth

Eighties Market Lesson Long Term Equity Growth

We take a look at 1980's inflation, interest rates and stock markets performance over a 20 year period, is this what stock markets will do in the next 20 years?...

> 6y11m

Advice Tips

Care Fees Means Test 2020

Care Fees Means Test 2020

We revisit the proposed changes to the care fees means limits from 2020 (postponed in 2016)....

> 6y11m

Advice Tips

Mobile Phone Security

Mobile Phone Security

Video looks at how easy it is to find out about you from your mobile phone even when it is locked. Be careful how you store information on your ...

> 7y

Advice Tips

Article 50 Impact

Article 50 Impact

We explore the initial impact of Article 50 being triggered today for investments and pension markets....

> 7y

Advice Tips

Social Media Security

Social Media Security

We suggest you remove some of your personal information from your social media pages for security. Why would you freely give you name, date of birth, your location or ...

> 7y1m

Advice Tips

Phasing Investment During Brexit

Phasing Investment During Brexit

We explore ways to minimise investment risk during Brexit using phasing for your investments and pensions....

> 7y1m

Advice Tips

Growth Opportunities Spring 2017

Growth Opportunities Spring 2017

We explore the potential for growth opportunities as the US heads for interest rate rises and UK heads towards interest rates freezes in Spring 2017....

> 7y1m

Advice Tips

Pound Cost Averaging During Brexit

Pound Cost Averaging During Brexit

We explore ways to minimise investment risk during Brexit using pound cost averaging for your investments and pensions....

> 7y1m

Advice Tips

Short Medium Long Term Money

Short Medium Long Term Money

Setting the risk profile of your pensions and investments with thought to your needs for short, medium and long term money....

> 7y2m

Advice Tips

Adviser Not Really Advising

Adviser Not Really Advising

If your financial adviser not really advising you? Are they outsourcing your financial advice with a paraplanner? Charging you but getting paraplanner to do the work on the cheap?...

> 7y2m

Advice Tips

Commission on No Advice Plans

Commission on No Advice Plans

Yet another warning, prompted by an insurance company email this week, if you took out a policy before 2013 on a commission basis, if there was no advice, the ...

> 7y2m

Advice Tips

Worried About Being Cash Parked

Worried About Being Cash Parked

Are you cash parked and out of investment markets? Do you think you are missing out of growth potential? Want to take more investment risk? Contact us for a ...

> 7y3m

Advice Tips

Means Test Limit Council Tax Income Support

Means Test Limit Council Tax Income Support

We explain the lower £6,000 and upper £16,000 capital means testing limits for income support, council tax help and job seekers allowance. In addition to the weekly income assumption ...

> 7y5m

Advice Tips

Compare Your Financial Adviser Service

Compare Your Financial Adviser Service

Compare your financial adviser's service. What did your financial adviser do for you this year? It's your hard earned money. Compare your adviser to our service. Existing clients: a ...

> 7y5m

About Us

Should You Pay Upfront

Should You Pay Upfront

Video explores the pros and cons of paying upfront for fees or services or works. Should you get a written contract? What can I do if I am unhappy ...

> 7y5m

Advice Tips

Stockpile Long Life Groceries

Stockpile Long Life Groceries

How to beat inflation. The pound is weak, food, petrol and fuel prices are going to rise quickly. A strange money advice video, but we suggest you could stockpile ...

> 7y6m

Advice Tips

Change Foreign Currency Back To Sterling

Change Foreign Currency Back To Sterling

Video covers not just the potential for cashing in any old euros, dollars or other currency back to sterling to profit from sterling's fall but also a warning that ...

> 7y6m

Advice Tips

How to Protect from Financial Fraud

How to Protect from Financial Fraud

With a fraud in the UK every 15 seconds, here's a selection of tips on how you can protect yourself from financial fraud, from cards to pins from virus ...

> 7y7m

Advice Tips

Cost of Living Inflation Impact

Cost of Living Inflation Impact

Video explores the need to factor in cost of living increases i.e. inflation when reviewing your pension planning and financial advice in general....

> 7y8m

Advice Tips

Beware Financial Adviser Salesmen

Beware Financial Adviser Salesmen

Video explores some methods used by unscrupulous financial adviser with 'dodgy' selling techniques....

> 7y9m

Advice Tips

Over 55 With Debts or Mortgage

Over 55 With Debts or Mortgage

Video looks at an option for the over 55s with debts or mortgages and potential solutions by releasing pension lump sums that may or may not be good for some....

> 7y9m

Advice Tips

FTSE 100 Recovery Will All Share Index Recover

FTSE 100 Recovery Will All Share Index Recover

Is this the calm before the storm? Video looks at why the FTSE 100 Recovered after the shock Brexit vote and asks whether the All Share Index will recover too....

> 7y9m

Advice Tips

Brexit Investment Keep Calm Carry On

Brexit Investment Keep Calm Carry On

Video suggests that most clients should already by cash parked with market related investments and we are suggesting that market instability will remain for some time....

> 7y10m

Advice Tips

Brexit Investment Action Planning

Brexit Investment Action Planning

With polls leaning towards a Brexit rather than Bremain vote, investors and investment markets have seen falls over the last few days with £billions wiped off company values. What ...

> 7y10m

Advice Tips

When To Avoid Getting Promoted

When To Avoid Getting Promoted

Video looks at potential tax perils of getting promoted, should you take that promotion? How much will it cost you? Is promotion worth it?...

> 7y11m

Advice Tips

Why Are There Penalties On My Policy

Why Are There Penalties On My Policy

The Queens Speech this week suggested a crack down on high penalties for pensions. Many older life, pensions and investments policies have penalties. Why is this? Can they be justified?...

> 7y11m

Advice Tips

Ability to Withstand Investment Losses

Ability to Withstand Investment Losses

This video explores things that you should consider for your pension and investment spread to protect your ability to 'ride out' or withstand investment losses....

> 8y

Advice Tips

UK EU Referendum Reality Check

UK EU Referendum Reality Check

Quick link video to pages on BBC with a reality check on all the spin issued by both the Leave and Remain campaigns ahead of the UK EU Referendum....

> 8y

Advice Tips

Beware Unregulated Financial Websites

Beware Unregulated Financial Websites

Video warns that you should always check the credentials of any financial website. Are they regulated? Are they simply pretending to offer advice but only offer information? Do they ...

> 8y

Advice Tips

Pension Contributions When Annual Allowance Capped

Pension Contributions When Annual Allowance Capped

Apart from the usual tax charge here's an alternative way to pay pension contributions when your annual allowance has been capped or tapered....

> 8y1m

Pensions

Contactless Card Payment Security

Contactless Card Payment Security

Video explores security issues for Contactless Card Payment Security, Radio Frequency Identification RFID and use of special wallets to protect your card details....

> 8y2m

Advice Tips

Stock Market Falls What Should I Do

Stock Market Falls What Should I Do

Video looks at what investors should do or consider in light of stock market falls and oil prices tumbling in January 2016....

> 8y3m

Advice Tips

New Year Money Resolutions 2016

New Year Money Resolutions 2016

Video focuses on New Year 2016 money resolutions and actions that you should take with pensions, investments, savings, care fee, tax and dividends for the coming changes in 2016....

> 8y3m

Advice Tips

Financial Paraplanner

Financial Paraplanner

Video introduces the role of paraplanners with financial advisory companies, does your financial adviser outsource their technical advice to another and pass it off to you as there own ...

> 8y4m

Advice Tips

Privacy Settings Phone and Tablet

Privacy Settings Phone and Tablet

Video explores the new 'Snoopers Charter' passing through government at Bill stage and the fact that not just security services can monitor you but who else is tracking you ...

> 8y5m

Advice Tips

Beware of Very Cheap Financial Advice

Beware of Very Cheap Financial Advice

Video looks at issues with some financial advisers pricing too cheaply and what happens when some firms they do not do enough research, offer standard reports and then close ...

> 8y5m

Advice Tips

Switch Investments to Transparent Charges

Switch Investments to Transparent Charges

Video explains why some pension, investments and life insurance plans have hidden charges the switch over to clean share asset classes for investments for tranparent, no hidden charges for ...

> 8y7m

Investment

Why Should I Keep Some Paper Bills

Why Should I Keep Some Paper Bills

Video explains the issues about proving ID and the requirements for paper proof and why you should keep some as paper based when you have to prove ID even ...

> 8y7m

Advice Tips

Capital Decumulation Planning

Capital Decumulation Planning

Video explores Capital Decumulation Planning this is the period where financial planning in retirement is needed to cash flow model with financial advice....

> 8y7m

Care

Compounding Money Effect

Compounding Money Effect

Video explores our concept of "Pay 9" - pay off your mortgage in 9 years, get the same pension in 9 years that you would get after 25 years ...

> 8y8m

Advice Tips

How Much Should I Insure For

How Much Should I Insure For

Video offers a simple way to help you value things and how much you should insure yourself for with a simple example....

> 8y8m

Insurance

Big Investment Fund Pros and Cons

Big Investment Fund Pros and Cons

We take a look at the pros and cons or investing in large, supertanker investment funds, the sheer size of some investment funds are bigger than some Countries wealth ...

> 8y8m

Advice Tips

Investment Herding

Investment Herding

Video asks whether you follow the flock with your investments and simply going on past performance headlines and fund manager reputation or are you a Buffet and invest when ...

> 8y8m

Advice Tips

Sports Cars v Pensions

Sports Cars v Pensions

Video explores how we should try and imagine the value of our pension fund in the context of tangible assets and luxury items. It will give real perspective on ...

> 8y9m

Advice Tips

UK Wealth Tax Speculation

UK Wealth Tax Speculation

We explore the possibility of a possible Wealth Tax in the UK as part of a strategy for increased revenue in UK as well as discouraging landlords thereby releasing ...

> 8y10m

Tax Plan

Greece and Market Falls June 2015

Greece and Market Falls June 2015

Video explores the issues with Greece's unresolved debt problems, the IMF walking out of talks and stock market volatility in June 2015 caused by the uncertainty of a Greek ...

> 8y10m

Advice Tips

How To Get Highest Interest Rate

How To Get Highest Interest Rate

Paying for financial advice to find the highest or most suitable bank account and interest rate is simply not cost effective as you adviser needs to do research, reports ...

> 8y10m

Investment

Why is Deflation Bad for Economy

Why is Deflation Bad for Economy

Video explains negative inflation i.e. deflation and whilst lower prices may appear to be good it is actually bad for the economy....

> 8y11m

Advice Tips

Protect Annual Allowance with Small Pension Drawdown

Protect Annual Allowance with Small Pension Drawdown

Video explains how if you wish to have some access to flexible pension drawdown but still wish to keep the full pension annual allowance of £40,000 rather reducing to ...

> 8y11m

Advice Tips

Financial Adviser to Test Your Investment Knowledge

Financial Adviser to Test Your Investment Knowledge

Video explains that financial advisers and finance companies will have to test your investment knowledge and only recommend policies that you can understand....

> 9y

Advice Tips

5000 Pounds Interest Tax Free Allowance

5000 Pounds Interest Tax Free Allowance

Video explores the new £5000 Savings Interest Tax Free Allowance available for lower income pensioners and low earners from 6th April 2015 meaning you can have a total income ...

> 9y1m

Tax Plan

How Much Money Can I Give Away

How Much Money Can I Give Away

Video explores the misconception that you can only give away £3000 per year, it is much more than this, you just need to know the rules on Inheritance Tax....

> 9y1m

Advice Tips

Company Director Best Way Take Profit

Company Director Best Way Take Profit

Video looks at pensions as the best way to extract profits from your business rather than dividends. Less tax, more money, less or nil inheritance tax too. Pension v ...

> 9y2m

Advice Tips

SPS Statement of Professional Standing

SPS Statement of Professional Standing

Video explains how the financial regulator and professional institutes ensure financial advisers keep their knowledge up to date and issue a yearly Statement of Professional Standing certificate. Ask your ...

> 9y2m

About Us

Savings Zero Tax Rate and 5000 Allowance

Savings Zero Tax Rate and 5000 Allowance

Video explains the zero rate of income tax for savings interest and the savings allowance for the band of £5000 staring April 2015.Transcript:“Hello there, a nice little video this. ...

> 9y2m

Investment

Savings Capital Limit for Means Tested Benefits

Savings Capital Limit for Means Tested Benefits

Video explores the savings capital limit for Means Tested Benefits for Pension Credit, Housing Benefit and Council Tax Benefit.Transcript:“Hello there and welcome, thank you for joining me. Subject for ...

> 9y2m

Advice Tips

10 Reasons to Pay Into A Pension

10 Reasons to Pay Into A Pension

Video offers 10 simple reasons as to why you should save and invest money in a pension scheme for the various tax relief benefits and other reasons that you ...

> 9y2m

Advice Tips

Quantitative Easing Explained

Quantitative Easing Explained

Video explores government borrowing and sovereign debt and buying back debt using QE quantitative easing.Transcript:“Hello again and thank you for joining me. I get asked quite a lot: “what ...

> 9y3m

Advice Tips

5 Money Questions To Ask Yourself

5 Money Questions To Ask Yourself

Video provides food for thought with five thought provoking questions to ask yourself about your money this week.Transcript:“Hello there. This is a test, a little bit thought-provoking for you ...

> 9y3m

Advice Tips

Independent Financial Advice IFA

Independent Financial Advice IFA

Video explains the difference between advised and non-advised sales and independent financial advice IFA versus restricted financial advice. Transcript: “Hello there and welcome to yet another one of my unscripted ‘I ...

> 9y3m

About Us

Retirement Cash Flow Model

Retirement Cash Flow Model

Video explores the concept of planning for retirement and later life using cash flow models and cash flow modelling techniques to ensure you have enough money to see you ...

> 9y4m

Advice Tips

New Year Money Resolutions 2015 Part 1

New Year Money Resolutions 2015 Part 1

Video (part 1) looks at over 15 New Year Money Resolution ideas that may make or save you money in 2015. Don't delay plan them in for next year ...

> 9y4m

Advice Tips

New Year Money Resolutions 2015 Part 2

New Year Money Resolutions 2015 Part 2

Video (part 2) looks at over 15 New Year Money Resolution ideas that may make or save you money in 2015. Don't delay plan them in for next year ...

> 9y4m

Advice Tips

Setting Financial Goals

Setting Financial Goals

Video looks at why you should set financial goals and targets. People never plan to fail but people fail to plan. This is the same with our financial goals ...

> 9y4m

Advice Tips

What To Do When Retiring Soon

What To Do When Retiring Soon

Video offers action tips if you are retiring soon for state pension, winter fuel, tax codes and dealing with HMRC and DWP.Transcript:“Hello there, so you're about to retire. What ...

> 9y4m

Advice Tips

Bed and ISA Sell Stocks and Transfer to ISA

Bed and ISA Sell Stocks and Transfer to ISA

Bed and ISA video explains the tax benefits of using up your yearly capital gains tax allowance and transferring directly owned stock investments overnight into an ISA wrapper.Transcript:"Hello again. ...

> 9y5m

Investment

How To Value Your Spouse or Partner

How To Value Your Spouse or Partner

Video explores how to value your spouse or civil partner. What would it cost if you lost them? We have a value your spouse calculator tool for you to ...

> 9y5m

Insurance

Cheaper Life Insurance Pay a Fee Not Commission

Cheaper Life Insurance Pay a Fee Not Commission

Video explores how paying a fee for life insurance, critical illness and income protection policies may save you a lot of money when compared to letting your financial adviser ...

> 9y5m

Advice Tips

Trail Commission Ban How Many Financial Advisers Will Close

Trail Commission Ban How Many Financial Advisers Will Close

Video looks at the coming trail fee and commission ban for Financial Advisers, how many will close? Many banks have already closed their financial advice arms.Transcript:“Hello there, this is ...

> 9y5m

Advice Tips

070 Telephone Number Scam Warning

070 Telephone Number Scam Warning

Video offers a warning that some people are using 070 personal, premium numbers as a scam to make money. There are legitimate users but there may also be scammers.Transcript:“Hello ...

> 9y6m

Advice Tips

Use Pension As A Bank Account

Use Pension As A Bank Account

Video explains how to use your flexible pension drawdown just like a bank account with part tax free 'income' and part taxable income.Transcript:“Hello there, today's date is 14 October. ...

> 9y6m

Pensions

Different Ways Advisers Charge Fees

Different Ways Advisers Charge Fees

Video explains the difference between non advised, full commission sales v independent and restricted financial advice and different fee charge methods.Transcript:“Hello again. The subject for my video today is ...

> 9y6m

Advice Tips

Financial Advice v Pension Guidance

Financial Advice v Pension Guidance

Video explains financial advice versus financial and pension guidance, following the Budget 2014 where Government confirmed it would arrange for free pension guidance. We explain the difference between advice ...

> 9y6m

Advice Tips

Why My Financial Adviser Does Not Contact Me

Why My Financial Adviser Does Not Contact Me

Video explains why many people are not being contacted by their pension, investment, financial adviser firms. We answer the question "Why My Financial Adviser Does Not Contact Me?" The ...

> 9y6m

Advice Tips

Green Investment Alert 041014

Green Investment Alert 041014

We issue a green investment alert for clients that are currently cash parked or missed that last Green Alert.Transcript:"Hello there Saturday, 4 October 2014 and the FTSE 100 index ...

> 9y6m

Advice Tips

Transfer Window for Higher Protected Pension Lump Sums

Transfer Window for Higher Protected Pension Lump Sums

Video explains the window that is open before April 2015 to transfer pensions with a protected higher tax free cash lump sum to a new pension.Transcript"Hey there, subject for ...

> 9y7m

Pensions

Scottish Independence Will Markets Rise or Fall

Scottish Independence Will Markets Rise or Fall

Published on 18 Sep 2014, Scottish Independence Voting Day. Video explains why we are neutral and holding for UK stockmarket investment....

> 9y7m

Advice Tips

Save Money Vouchers Affiliate Schemes

Save Money Vouchers Affiliate Schemes

Video as we issue a challenge to you to make use of those offers and affiliate schemes and save money...

> 9y8m

Advice Tips

Zero Interest Balance Transfer Credit Card

Zero Interest Balance Transfer Credit Card

Video looks at the pros and cons of Zero Interest Balance Transfer Credit Card. Ideally pay off balance every month but if not it makes sense to review interest ...

> 9y8m

Advice Tips

Pension Tax Relief University Fees

Pension Tax Relief University Fees

Video explains the idea of paying into pensions, get tax relief, use flexible drawdown to pay university fees...

> 9y8m

Advice Tips

Why Set Financial Goals

Why Set Financial Goals

Video on Financial Goal Setting. Why Set Financial Goals? No one plans to fail but many fail to plan. Without a plan you may not achieve you financial goals ...

> 9y11m

Advice Tips

Comparing Mobile Phone Networks

Comparing Mobile Phone Networks

Always search the market, you may be able to get the same amount of minutes, data and texts for a lower price with a different provider.You can keep your ...

> 10y

Advice Tips

Outsourcing Fund Recommendations

Outsourcing Fund Recommendations

Some financial advisers don’t keep up with markets and the changes to funds. They will outsource their financial fund recommendations.This means they may levy extra charges on you to ...

> 10y

Investment

Adviser Charging Percentage V Fees

Adviser Charging Percentage V Fees

Some advisers will set a fee to do financial related services like ourselves. Other advisers will use percentages for financial related services. The Financial Conduct Authority is not happy ...

> 10y

Advice Tips

Bank Building Society Rates

Bank Building Society Rates

To tell you who are giving the best rates for your instant savings we must research the whole market and write a full report based upon your circumstances to ...

> 10y1m

Investment

Interest Rate Con

Interest Rate Con

Just because someone is headlining the best interest rate does not mean that is the rate you will get.Some accounts may headline the best interest rates but your money ...

> 10y1m

Advice Tips

Projection Illustration Changes

Projection Illustration Changes

New rules are being changed for projection illustrations.Under the new rules the rates you see on your projections will be reduced.The projections for pensions will also now include adjustments ...

> 10y1m

Pensions

Scottish Independence Financial Services

Scottish Independence Financial Services

Financial advisers require a financial services passport to be allowed to give advice in Europe.There are similar rules in place for banks.If advisers want to give advice in other ...

> 10y1m

Advice Tips

Pre-Budget Speech December 2013 Part 2

Pre-Budget Speech December 2013 Part 2

If you move out of your home and buy a new home then you have 3 years to sell that previous property before becoming liable for capital gains tax. ...

> 10y4m

Advice Tips

Pre-Budget Speech December 2013 Part 1

Pre-Budget Speech December 2013 Part 1

State pension age increases are being brought forward to 2020 for state pension age of 66, and 2028 for 67. There are also discussing further increases for those retiring ...

> 10y4m

Advice Tips

Financial Advice Steps

Financial Advice Steps

Once agreed that you would like to go ahead with our services we will get you to sign letters of authority which allows us to speak to companies on ...

> 10y5m

Advice Tips

Why You Pay For Financial Advice

Why You Pay For Financial Advice

Just to give a service and protect the public from mis-selling, bad advice and bad services, financial advisers have to pay for many services to be able to provide ...

> 10y6m

Advice Tips

Making A Financial Complaint

Making A Financial Complaint

Put your complaint in writing and send it to the financial firm who you have a complaint with.The firm then has 5 business days to acknowledge your complaint.Once acknowledged ...

> 10y6m

Advice Tips

Big vs Small Financial Advisers

Big vs Small Financial Advisers

Smaller firms are very personal and their aim is to give you the best deal so you recommend them to your friends.Bigger firms may or may not have more ...

> 10y6m

Advice Tips

Choosing a Financial Adviser

Choosing a Financial Adviser

A guide to asking the right questions before choosing a financial adviser...

> 10y7m

Advice Tips

How Much to Pay a Financial Adviser

How Much to Pay a Financial Adviser

Ashley Clarks tells you what you should be paying an financial adviser. ...

> 10y7m

Advice Tips

Videos Channels

Our Financial Advice Fees Quotes and Shop

Money Tips Cost of Living & Covid

Cost of Living & Covid

Markets & Alerts

Markets & Alerts

Expat & Offshore

Expat & Offshore

At Retirement Options for Pensions

Options At Retirement

Pension Transfers

Pension Transfers

Green Inv ESG SRI

Green Inv ESG SRI

Law, Wills, Attorneys

Law, Wills, Attorneys

Politics and Economy

Politics & Economy

Big vs Small Financial Advisers

Choosing a Financial Adviser