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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

News

Millions leave their retirement planning to the “last minute”. Is that you?

What that means is that millions are facing a retirement full of doubt and uncertainty rather than confidence. Of course the earlier you start planning for retirement the better, but even when you are in your 50’s, paying attention, getting some advice/guidance, and consolidating old pension plans can have a dramatic impact on retirement lifestyles. […]

Wealth Shortlist

Hargreaves Lansdown. Wealth Shortlist – Update

When the Wealth 50 list was replaced by the Wealth Shortlist approx 20 new funds were introduced. Many of those were in Sectors not popular with my clients but some of the new funds are worthy of serious consideration. In some cases, my research indicates that the new fund(s) may be a better alternative to […]

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 […]

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Summer Economic Update. Good news but who is going to pay for it?

Taxing the much loved 25% pension commencement lump sum may well be in the Chancellor’s sights. Job schemes, stamp changes, VAT reductions – all good news about spending and stimulus but how is it going to be paid for?  Let’s enjoy our moment in the sun but make sure we are well prepared when the […]

Introducing the Hargreaves Lansdown Wealth Shortlist

The new Wealth Shortlist builds on the previous Wealth 50 list with more funds, increased transparency and improved fund updates. This change was essential after the debacle of leaving the Woodford Funds on the Wealth 150 list long after they should have been removed. All of the evidence is that Hargreaves Lansdown has learned the […]

Are you ready to rethink your retirement plans?

The Coronavirus pandemic has forced a widespread rethink of retirement plans according to an Aegon survey, particularly for the over 55 age group, the self- employed, and those already drawing from their pension funds. The Pension Freedoms introduced in 2015 have really come into their own with 20% of those over 55 dipping into or […]

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Pocket Money Apps – what are they and which is the best?

For many families, it now seems old fashioned to hand over some shiny coins to your child each week to be deposited into a piggy bank. These days many parents have turned to apps to pay their children pocket money and keep track of where they are spending it. In the UK the most popular […]

Lloyds Pension Transfer

Special Report – Lloyds Bank Pension transfers

Over the last couple of years, I have been very privileged to guide a number of  Lloyds Bank employees and past employees through the minefield of organising a transfer out of the final salary pension scheme into a personal pension plan. The size of the transfers has been from around £200,000 to well over £1million. […]

Pension transfers

Final salary pension transfers – October deadline?

For many people, the transfer value of their final salary pension benefits will exceed the value of their house. No wonder therefore that, despite all the barriers to transfer erected by the Financial Conduct Authority, there remains considerable demand for transfer guidance/advice. New guidance from the FCA which comes into force in Oct will make […]

Brilliant May

Brilliant May but what does June have in store.

Wall to wall sunshine, Covid-19 cases falling, lockdown easing, world stock markets posting a good recovery, live sport returning. No wonder we are all feeling better. So why do I feel so nervous about what June has in store? World stock markets have been incredibly resilient over the last couple of months with the USA […]

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