Annuity rates hit their lowest level since 1994 in September, with implications for those making retirement decisions. Since the introduction of pensions flexibility in 2015, annuities have become much less popular as a way of converting a pension fund into income. The most recent figures from the Financial Conduct Authority show that over five times as much money is placed in income drawdown now as goes towards annuity purchase. Now annuity rates have been back in the news,

Marks & Spencer was demoted from the FTSE100 in September. Source: London Stock Exchange The FTSE100 is subject to a quarterly review of its 100 constituents. The process is not quite as simple as picking the 100 largest companies listed on the London Stock Exchange, but it’s not far off. The latest review took effect on 23 September 2019 and received more attention than normal because it marked the ejection of one of the founder members of the index in 1984, Marks & Spencer

Life can be stressful enough at times, and the last thing you need is the worry of chaotic finances working against you instead of for you. A financial advisor can organise, simplify and structure your finances, so they are working efficiently for you. One of the ways that we achieve this for our clients is through user friendly technologies. Embracing new technologies provides our clients with personalised, efficient service. We offer the choice of face to face meetings some

Climate change is a hot topic in the media and with people all around the world. The National Ocean Service reports ocean levels are currently rising at a rate of one-eighth of an inch year on year, driven by climate change. As more and more evidence is brought to light around our ever-changing world people and businesses are looking for ways to personally reduce their carbon footprint. Our Go-Paperless service helps to reduce transport emissions, reduce wood consumption, dri

New figures show HMRC’s “customer compliance” efforts are yielding substantial sums. In early August, HMRC issued its annual report and accounts for 2018/19. While not everyone’s choice of holiday reading, it did contain some eye-opening information about the “compliance yield” – how much HMRC raised from its work in countering tax avoidance schemes, tax evasion and plain fraud. HMRC puts the figure at £34.1bn out of total revenue raised in 2018/19 of £627.9bn. Of that £34.1b