Latest News & Views
10 Reasons Why You Should NOT be Opting Out of the NHS Pension
It appears many Consultants and senior NHS staff are opting out of the NHS Pension which means they are leaving the scheme. This in turn means they lose future benefits. The main reason for this is the increase in tax bills many are facing as a result of a change to...
Entrepreneurs Relief Changes: What You Need To Know
Entrepreneurs Relief can be a very useful tax relief when it comes to selling your business. However recent changes have massively reduced the benefit of this relief. These changes, which were announced in the Budget back in March, have gone a bit under the radar...
Weekly Financial Update – 28.05.2020
https://www.youtube.com/watch?v=buds0zLxqNk&t=2sLast week I spoke about the huge bill the UK government is facing by trying to support jobs through the pandemic. Every week we find out a little bit more. The UK’s net debt at the end of April stood at 98% of GDP....
Weekly Financial Update – 21.05.2020
https://www.youtube.com/watch?v=FopU1WXCxnE&t=15sThe situation is becoming more difficult if you are planning to review and possibly transfer your defined benefit (final salary pension). A quarter of these pension schemes are suspending the calculation of transfer...
Leaving Everything In Order
Investing is never 100% certain but when it comes to death, it’s 100% certain you are going to die at some point, and you can only be 100% certain now to get everything in order. Tomorrow may never come. Without sounding too depressing we don’t know what’s around the...
Weekly Financial Update – 14.05.2020
https://www.youtube.com/watch?v=SJQTr33VJ5Y&feature=emb_titleThe level of unemployment now in the US is truly staggering. The amount of jobs fell by 20 million during April. To put this into perspective this is the same amount of job losses that were lost in every...
5 Reasons Why Now Is The Best Time To Review Your Finances
You may not review your finances regularly and I realise you may have other priorities right now. However, if you and your family are safe and well, you may have more time on your hands to have a look at things. It’s not just the fact you may have extra time. With...
Sustainable Pension Withdrawals
When you hit retirement you are going to need sustainable pension withdrawals. If your pension withdrawals are not sustainable it is going to mean a very difficult retirement. You may have to move home, go back to work or worst, not do the things you love and...
Introducing The RTS Investment Strategy
Two years in the making and it’s finally here, the RTS Investment Strategy. When I started RTS Financial Planning I had two major goals in mind for clients: Lower costs. Better performance. Since the start we have offered lower charges and remain in the...
Market Commentary – April 2020
Are we now well into the stock market recovery? What’s been surprising about the impact of Coronavirus on stock markets is the speed of the fall and now also the speed of the rise. Most stock markets around the world have had a good month but there could be one...
Investment Risk Profiles Do Work
If you are worried about your investments right now have you stopped to consider whether you are using the right risk profiles? When we talk about investment risk we are not talking about the risk of losing money. That will never happen unless you are invested in...
How Will The National Debt Be Repaid After Coronavirus?
Just how expensive is the government’s Coronavirus business support package likely to be and how will the national debt be repaid? After all the Chancellor has said we will need to repay the money spent supporting jobs and businesses. So does this mean higher...
Coronavirus Business Support
As we are now deep into lockdown many business owners will now be considering what sort of Coronavirus business support is available. The impact of the Coronavirus is being felt by businesses far and wide. The Office of National Statistics have released a new...
Market Commentary – March 2020
The Coronavirus has impacted everything. Our health, our jobs and even our lifestyles. The impact on the global economy has been huge with a large chunk of it shut down. Global stock markets have naturally suffered heavy falls not seen since the global financial...
Investing Is Never Perfect
As I’ve said in many previous articles, trying to time the market is impossible, which is why investing is never perfect. In an ideal world you want to buy shares or units at the lowest possible price and then sell them at their highest price meaning you make the...
Testing Times – Part Two
As the situation intensifies with regards to the Coronavirus I thought it right to provide a further update on how stock markets are reacting, what’s happening to your investment portfolios and how we should react. A reminder of what the stock market is The stock...
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