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Considering transferring your Final Salary pension? The two things you must do before you transfer

The financial hot topics at dinner parties used to be house prices. Now though you’re as likely to hear people talking about final salary pensions and whether, or not, to transfer out. By the way, final salary pensions are also often called defined benefit pensions. For simplicity we’ll continue to use the final salary term for the rest of this article. Why the chatter? Three key reasons: Pension Freedoms, which have now been around for two years, have given people far more flexibility in how…
14th April 2017

Can you afford to open the bank of mum and dad?

Many of our clients have been homeowners for decades, but for their children getting on to the housing ladder isn’t as simple as it once was. Sure, in the 70s, 80s and early 90s interest rates were far higher than they are today; you may recall October 1989 when interest rates hit 15%. They were still in double digits two years later. But house prices were far lower than they are today. Nationwide Building Society figures show that the average price paid by a first-time…
7th April 2017

The Financial Advice Company in the press

Our newsletter, which we launched earlier this month with a Budget Special Edition, will keep you up to date with the latest financial news. But we also know many of our clients like to hear about the latest developments here at The Financial Advice Company. We therefore believe you may be interested in reading a feature article on us, which was recently run by New Model Adviser, one of the leading publications for our profession. Each week New Model Adviser selects a leading firm of…
30th March 2017

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

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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.

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

Professional, personal and a friendly service… Prepared to listen and discuss my requirements in depth…. I can highly recommend all the team at The Financial Advice Company, for looking after my interests for my future and for my family’s future.

I am very happy to endorse the company as they have not only given me very sound advice, helped to save me money but also helped me to grow my investments.

I would like to express my appreciation of the excellent information as well as the time investment you have provided which have helped me to make informed decisions... Your advice and willingness as well as your patience have enabled me to fully understand the choices I can make.

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.

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