Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk


Wipe out your entire higher rate tax liability for 2017/2018 – Find out if you qualify

Let’s cut straight to the chase. This is not for everyone. It is only worth exploring further if you can answer “YES” to ALL of the following questions: Do you pay higher rate tax on earned income? Are you age 50 or over? Do you already have medium term investments/savings? Do you expect to revert […]

Lloyds to push further into wealth management – another disaster waiting to happen

The recent announcement that Lloyds Bank is planning a big push into wealth management is really scary. The last time I wrote a blog about Lloyds I reported a record fine of £28 million for “serious advice failings”. Why on earth should we trust them to do any better this time around? It is not long […]

The true value of financial advice… £40,000… really?

Recent research from the International Longevity Centre indicated that, on average, financial advice leaves people £40,000 better off compared to those taking no advice. That made me sit up and take notice and perhaps so should you. As a regulated financial adviser for more than 30 years of course I believe that my clients are better […]

“Bank of mum and dad” to lend £6.5bn this year… Make sure you do it correctly!

Parents are predicted to “lend” more than £6.5bn this year to help children get on the property ladder. That is a staggering amount of money — similar to the total amount lent by Yorkshire Building Society — the country’s ninth largest mortgage lender. Parental assistance is expected to have risen to an average of £21,600 […]

Funds which you need to access within 2 years should not be exposed to stock market fluctuations

Pre-election investment thoughts

Are we being too complacent about the outcome of the election and the possible impact on market performance and investment returns? Quite possibly. The amount of noise from the press and the number of questions from my clients is nowhere near the pre-Brexit level, and yet all elections bring market risk. First a disclosure. I […]

If a former Pensions Minister has cashed in her Final Salary Pension why shouldn’t you?

And now for something completely different… A guest blog from one of my new clients about final salary pension schemes. A little about me… I’m Louise. I’m a 40-something divorcee, I have no children, but I do have 2 dogs and a little cottage in the Cotswolds. I’ve worked locally for a large company for some years […]

Why I hate the word RETIREMENT

Do you want to be “taken out of use“? That is just one of the definitions of the word retirement from the Oxford English Dictionary. I decided a long time ago that I was not ready to be taken out of use and I expect that to remain the position for many years ahead. I prefer […]

Are you ready for April’s new IHT rules?

The good news is that the long awaited additional “family home” allowance of £175,000 per person starts to take effect from 6th April 2016. The bad news is that the starting point is only £100,000 and the full allowance will not be available until 2020.  Don’t make the mistake of assuming all is therefore well. […]

Hargreaves Landsdown launches new Select UK Income Shares Fund

Hargreaves Lansdown Select UK Income Shares Fund – should we be buying?

That’s the question a number of my clients have asked since the launch of this fund was announced. I am not a regulated financial adviser so I can’t give advice but I can provide some guidance and tell you what I am thinking. Firstly a disclosure. I am a great fan of Hargreaves Lansdown and […]

FTSE hits new high – time to bank those profits?

At the time of writing this morning (4th Jan) the FTSE 100 hit a new high of 7205.45 before closing at 7177.89. Who would have thought in the aftermath of the Brexit vote that by the end of the year the FTSE 100 would have been 14.4 % higher than at the beginning of the […]

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