Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk


Are you one of the 45% of the self-employed with no pensions savings?

How sad is that? Millions of hard working, creative people heading towards retirement with the prospect of having to work forever. Are you one of them? This not scaremongering from a pension provider but hard fact from The Office of National Statistics Feb 2018. Statistics for small business owners are not available but I would […]

Year End Tax Planning

Don’t miss out on great tax planning opportunities because of past bad pension experiences. The 19th March 2018 was the fourth anniversary of the Budget which announced the unexpected and welcome introduction of the “pension freedoms” which have turned the pension world upside down and produced so many tax planning possibilities. Unfortunately prior to that […]

Wipe out your entire higher rate tax bill for 2017/2018 – do you qualify?

It will only take a brief telephone call to find out. This is not tax avoidance. It is well within HMRC rules and perfectly legal. Unfortunately it is not for everyone. For this to work you should be:- Aged between 55 and 75 Paying higher rate tax on earned income or dividends from your business […]

Are you taking enough risks to meet your pension goals?

The answer will depend on how you define “risk”. Unfortunately the financial services industry is fixated on the extent of volatility as a way of defining and measuring risk. In my view the fact that equity type investments (both individual shares and funds) will fluctuate both upwards and downwards is not a risk; it is […]

Do women make better investors than men?

Yes. According to research from Hargreaves Lansdown. This is a great article we can all learn from. I hadn’t thought about it in quite these terms but their conclusions pretty much mirror my own experience with clients, especially since I have been providing guidance on how to get the best results from platforms such as […]

FTSE100 hits new high – Time to bank profits?

At the time of writing (5th Jan 2018) the FTSE100 has just reached a new intraday high of 7727.73 having also ended 2017 on a high. The Dow Jones index has also breached the 25,000 level. Who would have thought that with all the Brexit issues and Trump concerns stockmarkets would have finished the year […]

Hargreaves Lansdown keep faith in Neil Woodford

Should I stick with Neil Woodford’s funds? That is the #1 subject on which my clients are currently asking for guidance. Only time will tell but the fact is that his funds have significantly out-performed the market in the long term, notwithstanding two previous periods of under  performance. All active investment managers will under-perform from […]

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 […]

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