by Brian Downton | J, Jul, 2017 | blog, general, wealth-management
Much is made about the impact of inflation on the ‘real’ value of your income and investments. That is, the impact inflation has on your ability to continue affording your lifestyle. The magic number The Bank of England Monetary Policy Framework has an inflation...
by Brian Downton | J, Jul, 2017 | blog, protection
Whatever business you’re in, having the right insurance in place is essential to protect your assets and responsibilities. We’ve put together a short description of the most common types of cover for small businesses, along with a brief checklist to get you thinking...
by Brian Downton | J, Jun, 2017 | blog, protection
When it comes to protection insurance, we hold two firm beliefs: it should form the foundation of your financial plan. cover should be reviewed regularly to make sure it continues to meet your needs. The latter is particularly important when you are at a particular...
by Brian Downton | J, Jun, 2017 | blog, mortgages
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’. But when you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be...
by Brian Downton | J, Jun, 2017 | blog, protection
When it comes to insuring your home and contents, many people take out far less cover than they need, risking potential upset if it comes to making a claim. The average UK home contains around £55,000 worth of possessions, but an average insurance policy covers just...
by Brian Downton | J, Jun, 2017 | blog, mortgages
We lead complex lives in an increasingly complex world. As your financial adviser we can help you better understand your financial challenges, goals and needs, and help you find appropriate ways to meet them. Even a seemingly straightforward financial goal can involve...
by Brian Downton | J, May, 2017 | blog, Pensions
Automatic enrolment and you Auto-enrolment is a Government initiative where all workers will be automatically enrolled into a workplace pension. New figures show that by 2020 over 10 million people are expected to be newly saving or saving more as a result of...
by Brian Downton | J, May, 2017 | blog, Pensions
With the introduction of pension freedoms in 2015, we now have a range of options when deciding how to fund our retirement. But few of us stop to consider what might happen on our death: retirement itself seems far enough away! Under the previous regulations,...
