Archive

16Jan
2019

January 2019 – The need to submit a tax return

You may well be registered with HMRC (Her Majesty’s Revenue & Customs) and be submitting an annual tax return in January already. If not, and if you think any of the following apply to you then you should speak with ...

05Sep
2018

September 2018 – Client Newsmail

Our newsletters are, by and large, part of our advice and planning service to you. Over the course of this year, as we carry out annual reviews with our clients, we are reviewing our data protection and communications with ...

05Sep
2018

Who can you trust in the financial world?

Who can you trust in the financial world? How does someone go about finding a good financial adviser? Back in the olden days you would call a number on an advert or ask a friend. In these digital days, people tend to search ...

05Sep
2018

Tax changes which may affect you (Spring Statement 2018)

There have been some important tax changes this year. They won’t necessarily amount to a lot of money but they may well require action: From the 6th April 2018 the rates and bands of tax that apply to Scottish ...

05Sep
2018

Brexit adds to the investment price

I don’t mean to predict that Brexit will harm your investment (or indeed to predict that it will benefit your investment. I just don’t know). What I mean is that there is a price we pay when we invest. It’s the fear and ...

05Sep
2018

Brexit predictions, what’s our view?

You won’t be surprised when we say that we are agnostic about what will happen to your investments after Brexit. That is to say, we don’t know. Nevertheless, here are some possible outcomes: The UK economy falters This ...

05Sep
2018

The costs of caring for family

My wife and I have experienced the costs of caring as we have also had the joy of sharing our home with her father. It’s a good arrangement and has worked well for many years. Both my wife’s mother and father moved into a ...

04Apr
2018

Cryptocurrencies

On low-news days the media likes to chatter about the eye-popping gains being made in cryptocurrencies (such as BitCoin, Ethereum or Ripple). As you can probably guess we are somewhat sceptical about the merits of investing ...

04Apr
2018

The Third Dimension for investment is: The Good You Can Do

Following on from our Christmas article we are making more progress with Social Impact investing. There are two established dimensions for investment: the returns you get and the risk you take. Investing is always about ...

14Dec
2017

Social Impact Investment – Avoid Harm, Do Good, Make Money

For the past 25 years I have been asking people what they want from their investments. The top five requirements have been: 100% security – I want my money to always be there if I need it Low volatility – I don’t want ...