Sustainable Investing. Phoebe Stone, head of sustainability at LGT Wealth explains their approach to sustainable investing.  30 minutes and definitely worth a listen!  It contains some interesting slides and Phoebe answers questions on the likely impact of current...

Don’t let caution get the better of you.“A ship is safe in harbour, but that is not what ships are for” Until relatively recently, inflation wasn’t a serious concern. The UK hadn’t seen persistent price rises since the 1970s. Today, there are reasons to be more...

Retirement options for high income earners In this world of ours very little stands still. The same can be said for the pensions landscape, as rule changes over the years have made retirement options for high income earners harder and harder to navigate. High earners...

Don’t experiment with your investments Product providers may lure investors with the promise of glittering returns and market outperformance. In reality, only a few achieve this. We believe investors are better served aiming for realistic and consistent long-term...

Saving the planet with our savings A more sustainable approach to investing is gaining momentum, moving from a niche, bespoke area to a more mainstream investment. It’s called ESG investing - the Environmental, Social and Governance factors that some Managers now...

Bring your cash ISAs to life Millions of pounds still sit inside cash ISAs earning poor rates of return and this situation is unlikely to change in the foreseeable future. The question is, was it a mistake by investing in the first place? The answer in many cases is...

Investing for children A case of tax efficiency versus control We have a silly phrase we use with clients which is: ‘don’t let the tax wag the dog’. The words don’t make a lot of sense but somehow the meaning is generally understood, and we use it frequently when...

Saying a little prayer This may be of little help if your loved one dies without a will… Aretha Franklin, Jimi Hendrix, Bob Marley, Amy Winehouse and Prince are some celebrities who have died intestate. It is a common misconception that if you die without a Will, your...

Buckinghamshire Building Society Being independent allows Financial Management to continue to form new professional partnerships to ensure we meet all our client’s financial needs and allowing us to provide bespoke, often preferential, terms for our clients. We are...

Savers should plot their escape from zombie funds? Over many years there has been a huge reduction in the number of product providers within the financial services industry, one of the major drivers for this has been the offloading existing policies by large insurance...

How fm can help make your life better We believe the best way we can help the happiness and financial health of our clients is by helping them to create a plan focused on their life goals. A recent survey by psychologist Robert Epstein found that 25% of our happiness...

How to recognise a financial scam UK fraud prevention groups are warning individuals to be extra vigilant following a huge increase in the number of scams seeking to exploit the pandemic. As these scams increase in sophistication, we are all vulnerable. Fraudsters can...

Budgeting for retirement “Many of our clients have been with us for decades. We have helped them through the evolution of their pension schemes, from inception to maturity. We understand each stage and the associated responsibilities.” Philip Harper Financial Planner...

How close are you to achieving your retirement goals? Download Your Retirement Options Factsheet via www.fmifa.com or contact us to discuss your retirement planning with our Lifestyle Cash flow modelling. We also move from a position saving for the future, to spending...

Are homes now retirement cash machines? Remember when a mobile phone was just that: a mobile phone? When it didn’t connect us to the internet, act as our diary or tell us when the next train is due? Much like our mobiles, the retirement world has changed. The old...

Using Business Property Relief (BPR) to help provide relief from inheritance tax It allows certain investments to be left to your beneficiaries free from inheritance tax. BPR was introduced in the 1976 Finance Act.  It was created to allow small businesses to be...

How can I boost my state pension? "Regardless of whether you're under the old or new state pension system there are ways you can boost the amount of state pension you'll receive. However, they need to be considered carefully." The new 'flat-rate' state pension was...