HMRC’s Powers

The following article is a chilling read http://www.moneymarketing.co.uk/regulation/treasury-eyes-adviser-role-in-tax-avoidance-crackdown/1055077.article . The powers HMRC are trying to grab are far too intrusive. I would suggest the Government spend more time draft...

If You Do Not Understand It Do Not Proceed

As a tax payer I am furious following my reading of this article http://www.moneymarketing.co.uk/mortgages/rbs-sets-aside-435m-for-misselling-claims-and-tech-failure/1055754.article Every time RBS is fined it means that there will be less profits to pay back the...

Independent Financial Advisors Going Chartered The Norm

I disagree with a lot many of the points put across in the following article http://www.moneymarketing.co.uk/analysis/ifas-continue-to-move-towards-qca-level-six/1054516.article I think competitive pressures and the advent of multi-disciplinary practices from the...

Today’s Blog

It is not often I have cause to praise the FSA. Following reading this article on the Investor’s Chronicle website I think they are wise in their warning on annuities versus income drawdown...

Helping Annuity & Income Drawdown Rates Of Return

I am not surprised to read that the number of pensioners still working is at a record number. http://www.bbc.co.uk/news/business-18422370 With historically low rates of return on standard annuities and income draw down being limited by the lower Government Actuarial...