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Shock National Insurance U-turn

In a shock move, that will come as a pleasant mid-week surprise to many, Chancellor Philip Hammond has announced that the government will not proceed with the increase in National Insurance contributions for the self-employed. The main rate of Class 4 National Insurance contributions, applicable to the self-employed, was to be increased from 9% to 10% in April 2018, and then to 11% in April 2019. The pressure being applied to the government during the last week has clearly had some effect, with many saying…
15th March 2017

Budget 2017: Were you a winner or a loser?

Will you be better or worse off as a result of today’s Budget? Our summary will tell you, read on to find out. Winners  Some small business owners It was positive news for small businesses owners, with the introduction of business rate cap of no more than £50 per month for those leaving the small business rate relief tax. Don’t get too excited though, many small business owners will be hit by rises in National Insurance contributions if they are self-employed and the…
8th March 2017

Budget 2017: Everything you need to know

The Chancellor, Philip Hammond, started his first Budget in a bullish mood, listing the ways the economy had exceeded expectations. He also reported that on International Women’s Day, that there is now a higher proportion of women in work than ever before. It wasn’t all good news though, he went on to explain “that our job is not done” highlighting, amongst other things, the issues young people have when they leave education, high levels of debt and low productivity. In a moment of self-deprecation, Mr…
8th March 2017

The US election: the one thing we can be sure about is uncertainty

We are somewhat loathe to put out yet another piece about what might happen in the markets as it risks focusing long-term, sensible investors’ minds on short-term events. The referendum on Scottish independence, Grexit, China’s slowdown and most recently Brexit, have come and gone, in market terms, with most investors sitting on healthy increases in their portfolios since 2014, despite uncertainty at the time. However, it is not a bad thing to revisit the robust rationale for the structure of our client portfolios, particularly at…
8th November 2016

Absolute return promises – easy to make, but hard to keep.

The combination of short-term market uncertainty, human nature and an immediately attractive sounding moniker for an investment is a marketing man’s dream.  The investment industry has been masterful at constructing and selling such products, not least ‘absolute return’ products,  which employ active management strategies that seek to deliver positive (absolute) returns in any market conditions i.e. up, down or sideways, with minimal losses.   By way of background, in June 2016 net inflow into these funds was…
31st August 2016

Your adviser’s role as your investment coach

The hardest part of investing is having the confidence and emotional fortitude to...

It is always tempting to judge the value of your adviser on the recent performance of your investment portfolio.  That is unfair as it fails to understand both the true value that a good adviser delivers with respect to investments and the fact that no manager can control the returns that the market delivers.  A good adviser can earn their ongoing annual fee several times over, simply by helping clients to have patience, fortitude and discipline in their investing.  As the founder of…
17th August 2016

The foundation stones of good investing

Investing is the process of delaying consumption from today to some time in the future and employing that money in the meantime in the markets to grow at a rate at least in line with inflation, but preferably more.  Investing money well requires a logical and robust framework on which to build a lifelong investment programme.  Ten foundation stones provide the solid base on which to build such a programme. Foundation stone 1: Have faith in capitalism and confidence in the markets…
30th June 2016

So it is ‘leave’…

The UK has woken up this morning to a vote to leave the EU, the Prime Minister is set to leave office in October and the markets are suffering a bout of jitters.  We all knew that these were possibilities.  To some this is a good day, to others it is not.  But we are where we are and we need to look forward to where we go from here. We should not, however, lose sight of the fact that what…
24th June 2016

The outcome of the referendum and your portfolio

The impact of a leave vote on your portfolio As the referendum to remain in, or leave, the European Union draws near, we thought it would be a useful time to touch base and provide some reassurance that the investment portfolio that we look after for you is well positioned to weather any investment storms ahead.    In this brief note, we raise a number of potential risks that exist and how these are mitigated, to a large extent,…
10th June 2016

The fall and decline of buy-to-let?

The British continue their love affair with being buy-to-let landlords.  After all, with bank deposit and mortgage rates so low, and a rapidly rising property market, it all seems so simple: take your cash and make a 20% down payment on a buy-to-let property and borrow the rest at a low rate of interest; then find a tenant – perhaps one of the younger generation who cannot afford to get on the housing ladder – who will pay rent in excess of the…
30th April 2016

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We have been clients of The Financial Advice Company for ten years. Throughout that time they have provided good financial advice in a professional & friendly manner.

The tool used to demonstrate different financial scenarios is fabulous to help plan my future savings and more importantly my future spending!

Ben is always extremely courteous and professional taking the time to listen to my changing financial needs. The advice he gives has always been reassuring and has helped me enable my financial plans with my needs always at the forefront. I would highly recommend Ben and his team to provide a true client centred and professional service.

I've been investing with the company for over 10 years and am very happy... The team is professional, friendly and takes time to ensure I understand the risks and benefits associated with the various offerings.

The choice of TFAC as my financial adviser… has been one of the best financial decisions I have ever made. Advice has been given… and proposals have been drawn up on optimum ways to proceed. This has always been followed up by clear and concise documentation.

We particularly value the future projections of our financial position. We consider that this helps to plan sensibly for the future particularly taking into account age and health prospects and provides reassurance as to a secure financial future.

I have no hesitation in recommending them for first rate independent financial advice and management.

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