19 01, 2016

The Risks of Not Diversifying Investments

One of our most popular articles last year entitled ‘Having a diversified portfolio – Why you shouldn’t put all your eggs in one basket’ discussed why it’s important to diversify and the potential benefits for your portfolio.  In this article we want to take it a step further and discuss some of the risks of [...]

5 01, 2016

How Are You Developing Your Investment Strategy?

With a New Year upon us it’s a good time to think about investment planning, whether you are an experienced investor or you are just starting out in the investment world. This article brings you some key points to consider when developing an investment strategy.

14 12, 2015

A Look through the Keyhole of Property Investing

Depending on who you talk to or what you read, you’ll probably hear a variety of pros and cons about property investing.  Alongside shares, bonds and cash, property is one of the four most common types of investment and if you are a homeowner, you are technically already property investing. In this article, we take [...]

3 12, 2015

Understanding the New Scottish Rate of Income Tax

As you may be aware, from April 2016 the Scottish Parliament will be responsible for a Scottish Rate of Income Tax. This means that a proportion of the income tax you pay will be paid to the Scottish Government, as opposed to currently all of it being paid to the UK Government. In this article [...]

23 11, 2015

It’s nearly that time of year again!

Yes it is, but I’m not talking about Christmas. I’m talking about filing your HMRC tax return online by 31st January 2016, for any income generated between 6th April 2014 and 5th April 2015. We mentioned in our article in September on Financial Planning and Investment Advice for 2016 about pulling all of your information [...]

9 11, 2015

How NISA is Your ISA?

Whether you want to call them by their proper name New Individual Savings Accounts (NISAs) or just Individual Savings Accounts (ISAs), there’s no doubt that these tax efficient investments have gone through many changes since they were introduced in April 1999. According to the gov.uk ISA Statistics Release August 2015, around 13 million people opened [...]

19 10, 2015

The Financial Industry – Our Review

I have been in the financial industry for 15 years, and over that time I have seen and experienced many changes, some good and some which are not so good.  I do feel however that there is a requirement in the sector for ongoing reform; a way to ensure that regulations keep pace with financial [...]

5 10, 2015

A balanced perspective with Growth Investments

Having everything balanced in life is usually a good thing, whether that’s your bank account being positively balanced, having a good work / life balance, or just being able to maintain your balance on the way back from a night out!  In this article we give a balanced perspective on your investments as we take [...]

22 09, 2015

Financial planning and investment advice for 2016

We’re now approaching the last quarter of the year and the cold weather is starting to set in. A New Year brings new expectations, resolutions and hopefully optimism for what’s to come. With that in mind, now is a good time to consider your goals for the coming year and what financial planning advice you [...]

9 09, 2015

Expert financial advice for Small Business Owners

As a business owner myself, I understand the opportunities and the challenges that we face on a daily basis, not least ensuring that employees are rewarded and happy in their roles, as well as protecting key team members and the business long term. That is why it so important that business owners have access to [...]