Independent Financial Advisor Pensions advisor
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Investment and pension experts. We provide financial advice to business owners and private individuals in the Wolverhampton area. Our specialist area of expertise is wealth management and financial planning including cash flow modelling to help our clients achieve financial freedom, so that they can live the lives they would choose.
Independent Financial Advisor Pensions advisor
5y ago
Impersonation fraud is on the increase, so we all need to do whatever we can to reduce the risks of becoming a victim.
But, before I
get into what is being done to prevent it happening, here is the background to
the extent of fraud impersonation.
There were over
3,800 reported cases of fraud impersonation in the first six months of 2018 –
And that’s just the cases that were reported! In the first six months of 2018,
there were 3,866 cases of impersonation scams reported contributing to an
unbelievable £500 million being stolen by fraudster. Yes you did read that
correctly, £500 million ..read more
Independent Financial Advisor Pensions advisor
5y ago
For a start off, you have to make sure you don’t outlive your money. You just can’t afford to run out of money before you die.
You’ve got a retirement check list, right? Well probably not, it’s
hardly the most exciting thing to be doing this weekend — but the potential benefit
in doing this is hard to overstate.
To successfully retire and let’s face it, a lot can go wrong,
here are my four steps to take, as you get ready to retire. This will help
ensure you don’t outlive your money. The last thing you want to do is outlive
your money.
1. Be Sure You are Ready!
And I mean this in m ..read more
Independent Financial Advisor Pensions advisor
5y ago
Impersonation fraud is on the increase, so we all need to do whatever we can to reduce the risks of becoming a victim.
But, before I
get into what is being done to prevent it happening, here is the background to
the extent of fraud impersonation.
There were over
3,800 reported cases of fraud impersonation in the first six months of 2018 –
And that’s just the cases that were reported! In the first six months of 2018,
there were 3,866 cases of impersonation scams reported contributing to an
unbelievable £500 million being stolen by fraudster. Yes you did read that
correctly, £500 million ..read more
Independent Financial Advisor Pensions advisor
5y ago
Frighteningly many are!
Pension freedoms arrived in 2015 courtesy of George Osborne allowing pension income to be drawn from a pension pot relatively freely. Many have taken a responsibly approach, whilst others may unwittingly run completely out of money as they are not keeping track of their fund values.
History is littered with events
that change the course of history and most of us have at least a few memories of
events that changed how we live our lives. The day we met our life partner, to
the birth of out first child, they are all game changers.
Pensions had their own game
cha ..read more
Independent Financial Advisor Pensions advisor
5y ago
Have you
ever noticed that disputes that arise between friends and family are often about
money? Well, at least it was until recently and now politics has taken over. But
enough of that.
When
it comes to money and any kind of money transactions, at the outset intentions in
most cases and good, however when things go wrong, arguments can quickly
follow.
To avoid
getting into unnecessary disagreements, over money issues, here’s my top 10
mistakes to avoid or be aware of.
1. People are irrational, especially when
it comes to money. Even
the most pleasant of people can become unreasonable ..read more
Independent Financial Advisor Pensions advisor
5y ago
A guide for planning the ultimate “vacation”
OK but I’m not sure how to invest
my money
The reality is
this. Professional money managers are unable to consistently outperform the market.
And that is absolutely not a criticism of their ability. What’s more, you can’t
either and that’s not a problem. Because you don’t need to. What is needed is a
set of DO’s and DON’TS to be successful.
So, firstly, let’s
look at what you shouldn’t be doing.
DON’T: Buy the fund the best fund from last year.
Past performance is not an
indication of future returns. The fact that a fund did well la ..read more
Independent Financial Advisor Pensions advisor
5y ago
A guide for planning the ultimate
“vacation”
So How Much Do I Really
Need?
When it comes
to working out how much money you will need, no two people are exactly the same
and a one-size-fits-all definitely isn’t going to work. Most of us will need to
rely on the money that we save, various retirement plans and possibly by
downsizing our homes.
So get to what
your number is, it is a good idea to reverse
engineer your retirement. Starting with an estimate of the total
annual income you think you will need. From that take away the following:
Income from part-time work or income in ..read more