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Investing for children

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 talking about investing for...

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Saying a little prayer

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 closest relatives will...

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Buckinghamshire Building Society

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 delighted to announce we have...

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Savers should plot their escape from zombie funds?

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 companies who have decided that these clients no...

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How fm can help make your life better

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 hinges on how well we’re able to...

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How to recognise a financial scam

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 be articulate and financially...

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Budgeting for retirement

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 If you’re prepared...

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How close are you to achieving your retirement goals?

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 now and watching our savings reduce to fund our...

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Are homes now retirement cash machines?

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 established view that our income in...

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How can I boost my state pension?

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 ushered in on 6 April 2016, affecting...

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Ten lessons to teach your children about money

Ten lessons to teach your children about money

When it comes to teaching your children about money there are some lessons that can’t be taught in the classroom. During global lockdown, this may be a good opportunity for them to learn about managing their finances. 1.Budget to saveToday’s school-age children are...

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Navigating the turbulent seas of fortune

Navigating the turbulent seas of fortune

Anyone who reads the papers knows that the world’s economies are going through a period of uncertainty. It’s natural at these times for some investors to get twitchy, which only serves to make the situation even less predictable. The truth is that share prices...

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Bring your cash ISAs to life

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 no. The reason is having the...

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Not all gifts at Christmas need to be wrapped up

Not all gifts at Christmas need to be wrapped up

A common question from our clients: If I give money to my children, will they be taxed on it? There is a misconception that you cannot give more than £3,000 in any tax year, but this is not the case. The fact is you can give any amount without triggering any kind of...

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Wycombe Sound radio’s interview with Vanessa

Wycombe Sound radio’s interview with Vanessa

Chris Phillips, afternoon show presenter quizzed Vanessa on many aspects of this increasingly mainstream area of lending. With interest rates now below 3% fixed for life, far from being a last resort, Equity Release has become an essential option to consider when...

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Money – why it’s good to talk

Money – why it’s good to talk

Do you discuss your finances with your nearest and dearest? In many families, having a frank discussion about wealth still remains a taboo Please contact us if you require a copy of our When I’m Gone Guide, available as a hard copy or electronic. However, with younger...

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The lesser-known way to cut the tax on your family estate

The lesser-known way to cut the tax on your family estate

Investment gains and dividends received within an ISA are not subject to tax. While, not officially part of the ISA family, Inheritance ISAs have become a popular way of preserving wealth for the next generation. They launched in 2013, when the rules changed to allow...

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The form has been submitted

Thank you for this confirmation to invest additional funds to your ISA. We will confirm the bank account to transfer the funds and a reference number. Once the top up has been applied to your tax-free investment account, the Client Support Team will confirm this and provide you with an updated valuation.