Alex's Blog

Equity Release: How to make your biggest asset work for you in retirement

Equity release is a way to release wealth tied up in your property, without selling it and moving to another home.  It is specifically aimed at over 55’s who own their property outright, or have small mortgages left to pay, but do not have sufficient funds available to meet their lifestyle needs.  This article will

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MatthewEquity Release: How to make your biggest asset work for you in retirement

“To Transfer… or not to Transfer, that is the question” – Shedding Light on The Final Salary Pension Conundrum

Back in the 80s, my Mother who is a retired Doctor, naively agreed, without properly understanding and under duress, to have her NHS Final Salary Pension transferred to a non-final salary pension by a Financial Adviser, she was in her 40s at the time. Today this would have been deemed unsuitable at the onset because

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Matthew“To Transfer… or not to Transfer, that is the question” – Shedding Light on The Final Salary Pension Conundrum

Lasting Powers of Attorney – Everything You Need to Know

None of us want to believe that we might lose our mental capacity, or how we would cope with our financial affairs if we do. Lasting Powers of Attorney (LPA) allow people to choose someone they trust to take decisions on their behalf if something happens and they are unable to make decisions for themselves.

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MatthewLasting Powers of Attorney – Everything You Need to Know

Tax table 2019/2020

Alex Cheema CHARTERED FINANCIAL PLANNER Tax table 2019/2020 Putting the facts at your fingertips Click here to view online

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MatthewTax table 2019/2020

Financial planning tips for small businesses

There are many challenges that come with starting and running your own company, and if successful, it will grow and evolve over the years. However, to avoid potential pitfalls and minimise their impact, small businesses can benefit greatly from taking time to consider these simple, yet important financial planning tips:- • Insure your key employees

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MatthewFinancial planning tips for small businesses

Personal versus limited company buy to let – which is the most tax efficient?

Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate on Buy to Let Personal versus limited company buy to let - which is the most tax efficient? Much has been written about the benefits of owning rental properties through limited companies, specificallyread more
MatthewPersonal versus limited company buy to let – which is the most tax efficient?

Why it pays to use a mortgage adviser if you’re self employed

When it comes to getting any mortgage, opting to do it yourself you can involve a lot of time trawling websites, comparing best buys and traipsing round various lenders. All of this takes time and it can be hard to know if you’ve made the right choice. It’s a fact that mortgage applications made through

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MatthewWhy it pays to use a mortgage adviser if you’re self employed

What happens if you die without a Will?

Unfortunately, many people are taking the unnecessary risk of dying ‘intestate’, otherwise known as dying without a Will. In the 2015/16 tax year HMRC saw the highest intake of inheritance tax revenue in history – £4.7 billion was raised, according to HMRC data. The Office for Budget Responsibility figures show the amount of families paying

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MatthewWhat happens if you die without a Will?

Aggregator sites – why it is important to do your research.

If you are looking for financial advice and you are using the internet to find your adviser, you are of course, not alone.. Consumer perception currently seems to be that most people will be able to find, not only the most qualified and experienced financial advisors, but, ALL financial advisers on aggregator websites. This is not

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MatthewAggregator sites – why it is important to do your research.

Should I consolidate my pensions?

The value of pensions and investments can fall as well as rise. You may get back less than you invested. Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people. The end of the tax year is traditionally the time of the year when pension holders lookread more
MatthewShould I consolidate my pensions?

Could you benefit from using a Ltd company to purchase buy-to-let (BTL) properties?

Blog Home Thinking of setting up a Limited Company to invest in Buy-to-Let (BTL) property? In recent months, there has been quite a bit of coverage about using Special Purpose Vehicles (SPVs) to separate rental income from a landlord’s personal income.  So, we decided to run a piece on this, to help clear up the

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A CCould you benefit from using a Ltd company to purchase buy-to-let (BTL) properties?

Global Outlook and Financial Investment Advice in 2016

The value of investments and the income they produce can fall as well as rise. Many of us are thinking about financial investment advice as we approach the end of 2015 so I thought that now would be a good time to reflect on this year and to begin to think about the year ahead.read more
A CGlobal Outlook and Financial Investment Advice in 2016

UK Post-election thoughts

The value of investments and the income they produce can fall as well as rise. UK Post-election thoughts A lot has been happened since I last blogged, in the political arena, in the economy, and in the global financial markets. The good news is that if the Conservative Party hadn't gotten a majority seat, theread more
A CUK Post-election thoughts

Recent Developments to the Russia-Ukraine conflict. Is your money safe?

The value of investments and the income they produce can fall as well as rise. This is part two of 'How the Russia-Ukraine conflict might affect your investments'. In this post I will look at the recent developments in this ongoing conflict and specifically what these developments mean for both private and institutional investors. The firstread more
A CRecent Developments to the Russia-Ukraine conflict. Is your money safe?

Why home buyers need to keep control to succeed

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Friends of ours recently bought their first house, the estate agent told them two things, 1/ that they must use the estate agent’s conveyancer and 2/ that they must also use the estateread more
A CWhy home buyers need to keep control to succeed

Is the Eurozone recovery sustainable?

The value of investments and the income they produce can fall as well as rise. Recently the ECB, Mario Draghi, cut the benchmark interest rate to 0.05%. This is good news for the markets in the short term. Why though has Mr Draghi cut the ECB rate when we are supposed to be in the processread more
A CIs the Eurozone recovery sustainable?

6 key investment tips

The value of investments and the income they produce can fall as well as rise. Investing consistently well is a tricky business and we all aspire to do this but with varying degrees of success. Knowing when to invest can have material consequences on how your investment will perform, even for longer term Investments. Theread more
A C6 key investment tips

How the Russia-Ukraine conflict might affect your investments

The value of investments and the income they produce can fall as well as rise. This blog looks at the Russia-Ukraine conflict and how this might affect the global markets and global economy. Background Ukraine has a long history. Interestingly one of its most famous exports was and is the classical musician, Trikovsky. Ukraine firstread more
A CHow the Russia-Ukraine conflict might affect your investments

Four tips to help you protect your estate

Will and estate planning is not regulated by the Financial Conduct Authority. My parents have worked hard their whole lives and are still working. They have built up enough wealth to feel reasonably comfortable financially. By comfortable I mean that they own their house outright and have built up a reasonable pension. To summarise, they areread more
A CFour tips to help you protect your estate

The pension drawdown arrangement

The value of investments and the income they produce can fall as well as rise. 60%+ of people who come to me with enquires about pensions are between 45 and 65 years of age. They are often still working and plan to keep on working until they reach the age of 65 for one reasonread more
A CThe pension drawdown arrangement

Volatility cycle post Lehman

The value of investments and the income they produce can fall as well as rise. I have talked about Quantitative Easing in previous posts and I strongly believe it will remain relevant specifically when we consider investments. The pattern we see has been in evidence since late 2008 can be summarised as below: A QEread more
A CVolatility cycle post Lehman

Actively managed funds vs. tracker funds: Chalk and cheese?

The value of investments and the income they produce can fall as well as rise. Tax planning is not regulated by the Financial Conduct Authority. I remember one of the professors at my post grad school saying that, ‘if you take a sample of say 10 people from the street and asked them to pick say 30read more
A CActively managed funds vs. tracker funds: Chalk and cheese?

Contrived currency devaluation

The value of investments and the income they produce can fall as well as rise. I've mentioned 'currency wars' in a previous post which I will talk about in today's blog. I think it important to outline what contrived currency depreciation means and why a country would want to do it and how it affects allread more
A CContrived currency devaluation

The Renminbi and the Dollar

The value of investments and the income they produce can fall as well as rise. This article from the ft.com yesterday provides an interesting follow on from my last post. As the Chinese look to lessen their reliance on the United States Dollar (USD) as their main trading currency and so the Chinese Renminbi gainsread more
A CThe Renminbi and the Dollar

Further global contagion or strategic positioning?

The value of investments and the income they produce can fall as well as rise. This article from the FT talks about one of the few relatively unblemished countries from the credit crisis, Australia, now buying up large chunks of Chinese sovereign debt in the name of building trade relationships and diversification. This in my view is aread more
A CFurther global contagion or strategic positioning?

A grim global outlook but make hay while the sun shines…

The value of investments and the income they produce can fall as well as rise. There is a lot to be confused about for anyone trying to understand the global economy these days, and we do live in a global economy. We live in times where things like Quantitative Easing (QE) happen on a regularread more
A CA grim global outlook but make hay while the sun shines…