Independent Wealth Management

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Save Now or Borrow Later

I’m sure we all recognise the obvious need to save money. It’s clearly preferable to make purchases from your own money rather than from borrowed money, especially when the significant cost of loans is understood.

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The cost of Life Cover

When taking out life cover, cost is inevitably an important consideration. Most people I meet have no idea of how much life cover they can afford. This lack of knowledge generally results in putting off this very important aspect of financial planning.

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With-Profits Investment

Many people have invested in with-profits funds over the years. When markets are down, with-profits fund managers often exercise something called a Market value reduction (MVR). This is essentially a penalty for those withdrawing money from the fund. The purpose of an MVR is to reflect the underlying fall in values and to protect those […]

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Passive vs Active Fund Management

Proponents of passive funds argue that that most fund managers underperform the index. Their seemingly logical conclusion is that a fund that simply tracks the index is a good way to invest and offers equity returns at low cost.

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ISAs for Retirement Planning

Most of us know that ISAs are an excellent and tax efficient way of accumulating wealth. During retirement, ISAs are also very useful for providing a tax efficient income to supplement your pension income.  Approaching retirement, growth funds can be switched to income yielding funds, which could also be lower risk funds.  Your accumulated ISA […]

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How to take more than 25% Pension Tax Free Cash

How Much Tax Free Cash can you take from your pension?

The usual answer to this question is 25%. However, how would you like two bites of the cherry?

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Releasing Cash From Your Pension

If you are age 55 or over, you can withdraw up to 25% of your pension fund tax free. However, it is important to carefully consider how best to achieve this. Traditionally, a pension fund remains until the planholder decides to retire. At that time, he or she would purchase an annuity and probably withdraw […]

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The Value of Critical Illness Cover – Howard’s story

The following is the story of Howard Tighe, who had a stroke in 2004. Howard had a protection plan with Bright Grey, who have provided this video.

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Critical Illness Cover for Women

Sometimes a plan comes along with something extra to offer. A good example of this is AXA’s Critical Illness Cover plan. Critical illness cover provides a lump sum payment in the event of certain serious illnesses, such as cancer, heart attack, stroke and many others.

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Blog Categories

Pensions

Planning for retirement, your options, review your plans...

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Investments

Investing your capital for tax efficient growth or income...

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Protection

Protect your family, life assurance, critical illness, income protection...

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Barry is friendly and informative. He knew a lot about the products that he deals with.

Linda Ashworth

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