Independent Financial Advice
What is an Independent Financial Adviser (IFA)?
An IFA is a professional adviser who will consider every aspect of your personal and financial situation and will give you advice that is tailored to you. If an IFA recommends a product (for example a pension or investment) he can offer you the best choice from the whole of the market.
Unlike a free guidance service or information you may find online, the advice provided by an IFA will take account of your personal circumstances and will make clear recommendations.
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You Need A Budget
Do you use a software package to keep track of your personal finances? For many years I have used Microsoft Money to keep track of all my household income and spending, but after a lot of research have recently started using another system and I must say – ‘I’m impressed’.
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The New Pension Rules in a Nutshell
You may have heard that the rules surrounding how you take your pension benefits are changing. These new rules will apply from April 2015.
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What do those who have already retired wish they had done?
If you are retired, what do you wish you had done differently? If you’re not yet retired, wouldn’t you be interested to know what retired people wish they had done differently?
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Are you claiming your full pension tax relief?
If you are a high rate tax payer with a personal pension, you need to be sure that you are receiving your full income tax relief on your contributions.
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Do you qualify for Simply Life?
Simply Life is a new and innovative type of Life Cover from Aegon promising a low cost and easy to understand protection product.
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Has your adviser disappeared?
We recently received an enquiry from someone whose financial adviser had disappeared. The adviser in question used to be an IFA with Inter-Alliance. It occurred to me that this must be an occasional problem for people. You see, financial services companies have come and gone over the years. In fact, I spent four years of my career with Inter-Alliance before setting up Professional Wealthcare in 2001.
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The Retail Distribution Review and Adviser Fees
Welcome to 2013 and to the world of financial advice following the Retail Distribution Review (RDR).
You may have already heard about the recently implemented RDR. These are the words of The Financial Services Authority:
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Will you be a burden on your children?
I’m sure we all want to give our children the very best, but my observation is that many parents are storing up problems for the future. Let me explain:
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How Much Life Cover Do You Need?
There are various ways of calculating how much life cover you should have. You will need to consider all of your debts, including mortgage, credit cards, car loans etc and also the ongoing monthly costs that will continue after death.
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