Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Retirement planning

More pensions at risk. Will you act before it is too late?

Construction firm Carillion has gone bust with an eye-watering pension deficit of £590 million. That’s a lot of money. What a disaster for their thousands of past employees who could have taken large transfers to their own personal pension and either didn’t know they could or chose not to. Are there lessons to be learnt? […]

Will you be happy in retirement? Check out this new research

Which would make you happier? A lump sum of £1.4 million to play with or a secure income of £50,000 a year? New research from the USA suggests that people with a secure income stream are happy and those relying on investment returns are worried. “No surprises there” you may say. But why then are […]

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 […]

Why are so many people still terrified of engaging with a financial adviser?

That was the question I was left with after being the member of a Money Panel at last week’s #StroudNet Business Forum meeting. There were some great questions, even better answers, good feedback and yet I came away with a very sad conclusion that the pensions industry as a whole has such a bad reputation […]

The changing face of ISA retirement income

What a difference five years makes… Five years ago, the average Cash ISA offered a comparatively attractive rate of 2.52%. This has fallen to just 0.33% and looks unlikely to rise any time soon. In contrast, the FTSE All Share Index currently offers a return of 3.62% (variable) and has provided a rising income. What […]

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 […]

Final salary pension transfer values fall by 4% in Sept – don’t delay!

I know I have been banging on about the benefits of transfers from final salary pension schemes for months but the fact is, that with only one exception, the clients I have guided through this minefield have decided it is right for them and have accepted the quoted transfer value. But let me start today […]

Cheltenham Connect Business Day

A big thank you to all of you who visited my stand at the recent Cheltenham Connect business day and took the time to help me with my book research. I promised I would feed back the responses so here goes. FIRSTLY I ASKED TWO QUESTIONS: At what age do you think you will start […]

ISA or Pension – is there a right answer?

For most people, pension plans are still the right way to save for retirement. With up to 45% tax relief they offer one of the most tax efficient ways to save for later life. If an employer contribution is available that’s even better, so make sure you don’t miss out. What we all need in retirement […]

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 […]

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