Many people require an income from their investment funds and it is important that your investments are structured to achieve this in the best way.
Plans can be converted to invest into funds that provide either a fixed or a natural income yield. In some cases this will be free of income tax. This can be a great way of topping up your income in retirement.
We will take into consideration your circumstances and your personal tax situation to ensure we are using the most appropriate investment products and to ensure you are not paying too much tax.
If you’ve got a cash ISA, you will already know that the interest rates are incredibly low and that your returns are negligible. Cash ISAs were a great innovation. They followed on from the highly successful TESSAs (Tax exempt special savings accounts). These products encouraged many people to start saving by offering good levels of […]
Wealth management is a phrase which you may have come across before. Essentially it’s a self-explanatory term with quite an obvious meaning. However, it can mean different things to different people. So, let me explain what we mean when we refer to the ‘Professional Wealthcare Wealth Management Service’.
Rayner Spencer Mills Research Limited is a respected investment research company. They provide independent research of investment funds and analyse the people, processes and capabilities behind the investment decisions. This quarterly market summary provides a snapshot of their current market commentary. This is nice ‘easy reading’ avoiding getting bogged down with industry jargon. We hope […]
When my wife and I were looking for advice on retirement financial planning a few years ago, Barry was recommended to us by another IFA, who no longer provided that type of advice. Over the last few years, Barry has provided us with very good financial planning advice, tailored to our particular needs and attitudes to financial risk. He contacts us regularly to update us with the latest information and to see if our needs have changed but leaves the final decisions to us, i.e. he does not try to push a particular financial product or company. We have been very pleased with his advice to date and look forward to continuing our association with him.