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Do you have a Back-Up Plan?

You may have seen the adverts on national television for Unum Income Protection. Read more »

Posted in Income Protection, Protection | Tagged , , ,

Professional Wealthcare supports the British Heart Foundation

The British Heart Foundation has recently selected Camberley as a Heart Town. Read more »

Posted in Financial Provision in the event of Serious Illness, Protection | Tagged , , , , , , ,

Do you qualify for an enhanced annuity?

Do you know that if you are a smoker or have a medical condition such as diabetes, high blood pressure, heart disease or cancer, then you could receive a higher retirement income?

Depending on your medical situation, an enhanced annuity could give you up to 40% higher income than a standard annuity, guaranteed for life. Read more »

Posted in Pensions, Retirement Options | Tagged , , ,

The importance of tax relief

When discussing retirement planning with our clients, a great deal of attention is always given to fund choice and the corresponding past performance figures.

However, it is important to remember one of the fundamental reasons why pensions should be the investment of choice for retirement planning. Read more »

Posted in Group Pension Schemes, Income and Capital Gains Tax Reduction, Pensions, Pensions Review Service, Retirement Planning | Tagged , , , ,

Some Facts About Professional Wealthcare

Professional Wealthcare was created by Barry Sears 10 years ago – September 2001 Barry Sears has been a Financial Adviser for over 20 years – April 1991 Barry Sears has been an Independent Financial Adviser for over 13 years – … Read more »

Posted in Miscellaneous | Tagged , ,

How far would you get on £81.60 a week?

Unfortunately, you’d soon find out if you became too ill to work. You might be surprised to find that Statutory Sick Pay is only £81.60 a week.  These days, that’s just about enough to fill up the average family car.  … Read more »

Posted in Income Protection, Protection | Tagged , ,

A Bleak Future

Against a background of political wrangling about pension reform, a growing number of UK individuals face an uncertain – and uncomfortable – retirement. Read more »

Posted in Group Pension Schemes, Pensions, Pensions Review Service, Retirement Planning | Tagged , , ,

Some Harsh Words on Retirement Planning

The following article is quite abrupt and to the point. It is difficult to write about some of the basic, yet important issues surrounding retirement planning without perhaps touching some nerves. So if you’re easily offended, please move on. My objective here is to help people to understand retirement and to successfully plan ahead for later life. This involves waking up to some serious issues. So please read this in the spirit it is meant and please don’t shoot the messenger. Read more »

Posted in Pensions, Pensions Review Service, Retirement Planning | Tagged , , , , , , , , , ,

Junior ISA

The Government have recently announced draft regulations for the new Junior ISA. This is due to be launched on 1st November 2011. If you are considering saving for your child or grandchild, you should be aware of this new tax efficient savings opportunity. Read more »

Posted in Regular Savings | Tagged , , , ,

Portfolio Rebalancing

If you have a pension or investment plan, you will often invest in a selection of different funds, often referred to as a ‘Portfolio’. Read more »

Posted in Financial Plans Review Service, Investments, Lump Sum Investment, Pensions, Pensions Review Service, Retirement Planning | Tagged , , , , ,