Resident IFA Blog RSS Feed - London South East

Disclosure (Cheap as chips Pt.2)

Resident IFA — Thu, 17 Nov 2011 00:00:00 GMT

The case I mentioned in 'Cheap as chips!' two days ago has already been accepted.

Cheap as chips!

Resident IFA — Tue, 15 Nov 2011 00:00:00 GMT

Life Insurance…money for old rope? Good value?

Life expectancy & Pensions

Resident IFA — Thu, 10 Nov 2011 00:00:00 GMT

We are living longer.

How boring!

Resident IFA — Mon, 17 Oct 2011 23:00:00 GMT

I am off to see a Client tomorrow morning, to review their Investments. They are certainly not awkward, but not particularly ‘engaged’ all the same.

FTSE350 High Yield

Resident IFA — Wed, 12 Oct 2011 23:00:00 GMT

There has been a lot of conjecture recently around what better approaches to take during the recent market volatility.

Leaving it late

Resident IFA — Mon, 10 Oct 2011 23:00:00 GMT

An Accountant referred a 74-year old to me in February. After a deal of procrastination, they are now keen to arrange their Pension income…with 3 weeks until they reach 75. Why is this crucial?

The FSA mellowing?

Resident IFA — Wed, 05 Oct 2011 23:00:00 GMT

I have written before on the subject of the Financial Services Authority’s ‘Treating Customers Fairly’ (TCF) initiative.

A busy day...

Resident IFA — Mon, 26 Sep 2011 23:00:00 GMT

Yesterday was jam-packed. You couldn’t take your eyes off it for a second!

Aviva & Downton Abbey

Resident IFA — Wed, 21 Sep 2011 23:00:00 GMT

I'm sure that I was not the only red-blooded male who eagerly tuned-in to the new series of ITV's 'Downton Abbey' on Sunday night.

Pensions are rubbish!

Resident IFA — Mon, 05 Sep 2011 23:00:00 GMT

I visited a couple of Company Directors last week. It was my second visit; to present my Pensions recommendations to them.

Multi-Manager approach proving popular

Resident IFA — Mon, 15 Aug 2011 23:00:00 GMT

The IMA (Investment Management Association) has released figures showing that a substantial £3.8 Bn was invested into Multi-Manager (or ‘Fund of Funds’) investment funds in the first half of 2011.

2 policies better than 1?

Resident IFA — Wed, 10 Aug 2011 23:00:00 GMT

You and your Partner have just arranged a new mortgage and/or reviewed your existing protection arrangements. So, time to arrange/replace your Life (& Critical Illness) insurance in joint names?

The sky is falling down

Resident IFA — Mon, 08 Aug 2011 23:00:00 GMT

Well, it certainly seems that way.

Good intentions?

Resident IFA — Wed, 25 May 2011 23:00:00 GMT

I’m working to the assumption that the readers of this Blog will be ‘clued-up’, and so enjoy an ongoing relationship with an Independent Financial Adviser (IFA).

Life insurance...not just for mortgages

Resident IFA — Tue, 03 May 2011 23:00:00 GMT

You obtain a mortgage, and then you obtain life insurance. Right?

SIPPs: What are they good for?

Resident IFA — Tue, 26 Apr 2011 23:00:00 GMT

The Self-Invested Personal Pension (SIPP)...the clue is in the title.

Risk Questionnaires are no substitute for intuition

Resident IFA — Tue, 12 Apr 2011 23:00:00 GMT

I had an experience on Monday that re-iterated the lack of absolutes in financial planning...and possibly life in general.

ISA Season...but why?

Resident IFA — Mon, 04 Apr 2011 23:00:00 GMT

The clocks have sprung forward, the nights are much lighter...a sure sign that ‘ISA Season’ is upon us.

Japan disaster’s effect on those retiring

Resident IFA — Tue, 15 Mar 2011 00:00:00 GMT

I was beavering away yesterday; preparing for an interim Client meeting – to let him know how my financial planning thoughts had progressed re: his impending retirement.

Fettered or Unfettered?

Resident IFA — Tue, 08 Mar 2011 00:00:00 GMT

The results of a new study published today showed that 'Fettered' investment funds out-performed 'Unfettered' funds over 3 & 5 year timeframes.

Pension Auto-enrolment is coming...

Resident IFA — Thu, 03 Mar 2011 00:00:00 GMT

A big shake-up to Pensions provision is coming in the next 1 to 4 years.

The growing financial advice divide

Resident IFA — Thu, 17 Feb 2011 00:00:00 GMT

This time last week, I was conscious of an evening appointment to come, having already visited a gentleman in the morning.

Structured Product suitability

Resident IFA — Tue, 01 Feb 2011 00:00:00 GMT

‘Suitable’ is not a word IFA’s often use in connection with Structured Products. Well, at least not until recently.

OMO? It could be OMG

Resident IFA — Tue, 25 Jan 2011 00:00:00 GMT

I seem to have taken a Blogging sabbatical since early December.

Pension and Corporation Tax planning

Resident IFA — Sun, 05 Dec 2010 00:00:00 GMT

According to Companies House, ...

I’m a Spammer!

Resident IFA — Tue, 09 Nov 2010 00:00:00 GMT

I’m privileged to see lse.co.uk’s inner sanctum, so thought I’d help you catch up on a few recent developments and improvements.

Satisfaction or Fairness?

Resident IFA — Mon, 11 Oct 2010 23:00:00 GMT

We had a Financial Services Authority (FSA) ‘Treating Customers Fairly’ (TCF) telephone assessment today.

Advice vs. Sales

Resident IFA — Thu, 30 Sep 2010 23:00:00 GMT

I couldn’t help but have a wry smile at the ‘eminent Wealth Manager’ St.James’s Place (SJP) being dragged through a court tribunal, the gist of which concerned the title of this Blog.

New Adviser food for thought

Resident IFA — Mon, 06 Sep 2010 23:00:00 GMT

My company has just taken on its first new Independent Financial Adviser (IFA)...hurrah!

Do you review?

Resident IFA — Tue, 31 Aug 2010 23:00:00 GMT

At 6.45 a.m. today I enjoyed my weekly business networking fix...good venue, good weather, good company, and a good breakfast!

Pensions & the Self-employed

Resident IFA — Wed, 18 Aug 2010 23:00:00 GMT

The Treasury are toying with the limits for Pension contributions.

Volatility is the word

Resident IFA — Sun, 15 Aug 2010 23:00:00 GMT

If you are a serious investor, you may have heard of the following 4 terms that measure volatility/risk:

Savings & the effort to switch

Resident IFA — Tue, 03 Aug 2010 23:00:00 GMT

With interest rates at a record...and seemingly immoveable...low level, what to do for the best?

A cautionary tale

Resident IFA — Tue, 27 Jul 2010 23:00:00 GMT

One of my Clients died yesterday...on his 45th birthday.

Treating Customers Fairly?

Resident IFA — Thu, 22 Jul 2010 23:00:00 GMT

My company is termed by the Financial Services Authority (FSA) as a ‘Small Business’.

Pensions & Divorce

Resident IFA — Tue, 13 Jul 2010 23:00:00 GMT

I received a visit last week from a lady who had recently divorced. I say recently, although it was 2 years ago...

Reviews are the key to financial planning

Resident IFA — Tue, 06 Jul 2010 23:00:00 GMT

I am visiting existing Clients at 7.30 tonight.

Another perspective on the global financial woes

Resident IFA — Sun, 27 Jun 2010 23:00:00 GMT

I couldn't help but share this with you...

The place cash has in an Investment portfolio

Resident IFA — Tue, 22 Jun 2010 23:00:00 GMT

‘Cash is king’. Isn’t that what ‘they’ say?

The basics

Resident IFA — Mon, 14 Jun 2010 23:00:00 GMT

How often do you invest time simply to ‘see what you have’ in financial terms?

Twilight years & Pension woes?

Resident IFA — Tue, 08 Jun 2010 23:00:00 GMT

The Annuity provider Partnership has released research (From ABI, Oxford Economics, and the Office for National Statistics figures) into the retirement prognosis for our current batch of over-50’s.

Do you prefer to pay by Fee or Commission?

Resident IFA — Sat, 05 Jun 2010 23:00:00 GMT

The Financial Advice sector is due to undergo a major change on 1st January 2013.

Investment diversification is the key

Resident IFA — Tue, 25 May 2010 23:00:00 GMT

Volatility...not Grease...has been the word over the last few days in relation to the Stockmarket.

Annuity search

Resident IFA — Sat, 22 May 2010 23:00:00 GMT

In one of the TV breaks tonight, a new Paul Whitehouse ad popped up. You know the ones - good characters, quite watchable...nicely funding his pension plan.

Complaints to the Financial Ombudsman

Resident IFA — Tue, 18 May 2010 23:00:00 GMT

The Financial Ombudsman Service (FOS) today published its Complaints data for the period 1.4.09 to 31.3.10.

Do you have the correct Tax Code?

Resident IFA — Wed, 12 May 2010 23:00:00 GMT

My dear Mum recently celebrated her 65th birthday.

Income Replacement Insurance (PHI)

Resident IFA — Sat, 08 May 2010 23:00:00 GMT

Today, I could be mostly stating the obvious! (Credit to The Fast Show)

As Ben Elton might say...

Resident IFA — Sun, 02 May 2010 23:00:00 GMT

“...and now for a little bit of Politics”, or words to that effect.

Stop Press...Live Prices on lse!

Resident IFA — Tue, 20 Apr 2010 23:00:00 GMT

Truly off-topic in Personal Finance terms, but I have witnessed the tremendous work put in by the lse.co.uk staff over the last week or so to re-launch the Premium Services section.

Carbon Credits market in turmoil

Resident IFA — Sun, 04 Apr 2010 23:00:00 GMT

I had a visit from the ‘National Sales Manager’ of a Carbon Credit investment company on Thursday last.