Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk


Financial advice fees too expensive and unfair.

Recent research by wealth manager Bancroft Wealth found that most investors pay more than they need to for advice and that fees based on a percentage of funds under management are unfair. Only 12% of investors feel that percentage-based fees are the fairest way to charge for advice and yet that is the fee model […]

Lloyds Customers beware

Lloyds customers beware the new Schroder’s financial planning offer.

During my 30 years as a financial planner, the High Street Banks had many a foray into financial planning only to withdraw and try again. This latest Lloyds Bank/Schroders venture doesn’t look to be any better. They claim to be able to undercut the fees charged by St. James Place but still come up with […]

Is Financial Advice too expensive?

A recent survey found that nearly 6 million extra people would be prepared to pay for financial advice if it cost less. The question I would have asked is whether the cost of using a regulated financial adviser is value for money compared to using one of the user friendly, online, no advice, platforms such […]

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 […]

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 […]

Financial New Year’s Resolution #5 – sort out your financial adviser

No I don’t mean physically… Just sort out exactly what services you are getting and what it is costing you. I am not without sympathy for regulated financial advisers. Regulatory and compliance costs are huge and compliance makes it very difficult to treat each client as an individual. Far too many advisers hide behind “risk profiling” […]

Financial New Year’s Resolutions

Firstly a big thank you to all my regular blog readers for their support during 2016. When I first started writing this blog a couple of years ago I wondered whether I was just talking to myself but all the evidence now is that my readers are getting enough value to make it all worthwhile. I am becoming […]

Huge tax savings for Company Directors aged 50-75

Are you aged between 50 and 75 and taking dividends from your company? If so this 3 minute video could save you a fortune in tax! The blog posts listed below make good reading, and don’t forget to sign up for blog updates and share this with anyone you think may be interested.

Just HOW MUCH is Financial Advice costing you?

Many of my friends are Financial Advisers and are providing an excellent service to their clients at a reasonable cost. But only this week I was asked to look at a half yearly statement (often issued in May and Oct) for a family friend and what I found really scared me. Nothing complicated. Just a Pension Plan […]

Higher rate pension tax relief changes – you could lose thousands…

The Conservative Party have now joined the other major parties in announcing plans to curb pension tax relief for higher rate tax payers. Time is limited. If the last general election is anything to go by we can expect an emergency budget before the end of June when the proposals could become law. You could […]

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