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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Fees

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 […]

Do you need help in choosing savings and investment products?

A recent report from John Devlin, director at Nottingham University Business School, suggested that many of us are confident in our own abilities and don’t think we need to pay fees to Financial Advisers. He reported;- “Our study involved a YouGov survey of more than 2,000 consumers who were quizzed about how they perceived their […]

Financial Advisers fail to be clear about their charges. That could be costing you a fortune!

The majority of firms offering financial advice are not being clear about the fees they charge, according to the City Regulator’s latest crackdown on the industry.

Hargreaves Lansdown clients to save £8million through lower charges

New rules from the Financial Conduct Authority are changing how investment services firms apply their charges. In the past the fund manager applied a fund management charge of, typically, 1.5% pa and then rebated part of that, say 0.5%, to the introducer to pay for their services so the client did not receive a separate […]

Do we really need to pay fees to Financial Advisers?

I have recently been asked, quite rightly, why, after more than 20 years as a sought after and successful Financial Adviser, I am now suggesting that perhaps 75% of us no longer need the services of a Financial Adviser. Doesn’t seem right does it?

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