Have you ever wondered how advisers get paid, whether that’s your independent financial adviser or tied bank adviser? How do consumers pay for advice? It’s never free! Some of you might well have heard the phrase “The Retail Distribution Review” in the media over the past months. This is being introduced at the end of […]
View ArticleI was interviewed last week by the Independent on Sunday on whether or not clients are best advised to defer taking benefits from their pension. Every case should be considered individually but the following article which includes some of my comments should be useful: Independent on Sunday: Should I take my pension benefits now? By […]
View ArticleMost of you will have heard of Warren Buffett, one of the world’s richest men, and a very respected and seasoned investor. He’s usually worth listening to and I read some exerpts from his annual letter to investors in his company, Berkshire Hathaway. The original article can be found here. You cannot turn your back […]
View ArticleMany of us will insure what we own, from our car and TV to the family dog. Very few think to insure the cornerstone of their lifestyle – their income. Why bother protecting your income? Without it all your financial arrangements and plans will likely fail. Insuring your income is a keystone of most financial […]
View ArticleGreat Article from MarketRiders: “The law of compound returns is a force of nature and understanding this concept is critical to your success as an investor. It is how the rich keep getting richer, but maybe not how you are led to believe. Simply put, the law of compound returns says money left alone creates […]
View ArticleInteresting stuff – give me a ring on 02870351164 or ping me an email david@gibsonfp.com to discuss:
View ArticleUnbiased.co.uk recently commissioned a report to see what consumer benefits there are in seeking independent financial advice (Full report can be found here). I was surprised that in Northern Ireland only 17% of the population use an independent financial adviser (IFA). Not many people would say that they are happy with the state of their […]
View ArticleThis has the potential to be quite a boring post – an exhortation to save isn’t the most scintillating of topics. I suppose that we have a choice: either we spend all our income and enjoy a high standard of consumptive living pre-retirement and consequently scrape our way through retirement or we step back, form […]
View ArticleRecently I met a couple who became new clients a month or so ago. At the end of our last meeting I told them that since I’d really enjoyed working with them I’d like them to introduce their friends to me. Genuinely good people usually hang around with other nice people! This started an interesting […]
View ArticleRead a great article the other day by Ian Cowie of the Daily Telegraph. It touches on a very real issue for most of us. Many people assume that retirement is so far down the line that they’ll be alright in the end and their state pensions will suffice. Really? Not that easy to maintain […]
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