It is not often I find myself reading about investment risk and thinking “this is really interesting” but it happened this morning on the train. Paul Resnik Co-Founder of investment risk profiling company Finametrica, has written a thought provoking piece that challenges a long held belie...

Adrian has asked me to write a wee blog for him this week, probably because he has run out of ideas this week. Just to introduce myself, I am Ciaran and I’m currently at the tail end of a summer internship with Murphy Wealth. I am just about to start my fourth year at Glasgow Caledonian Un...

Giving a presentation recently I wanted to highlight the issue of the changes to the dividend tax regime, which seems to have slipped under the radar of a lot of people. Maybe because there has been plenty going on in the wider world with everything from car manufacturers fiddling the num...

THE RECENT SELL OFF IN CHINESE MARKETS FOLLOWED BY THE SHARP FALLS AROUND THE WORLD ON MONDAY SEEMS LIKE AN APPROPRIATE TIME TO MAKE A COMMENT OR TWO. Every so often we break from our usual weekly (roughly) routine because events take over.The recent sell off in Chinese markets followed...

With new readers to our blog it doesn’t do any harm to highlight the importance of good financial advice. Often we speak to people who do not quite understand the value of financial advice. At the end of the day Independent Financial Advisers can access pretty much the same “products” as...

Its not often I find myself agreeing with Paul Lewis from Radio 4s Money Box. Some of his opinions on the advice sector have been less than complimentary, however this week I am going to agree with him. He wrote an article last week in Money Marketing titled Paul Lewis: Unfair FSCS (Fina...

I though would write a short technical brief after the issue of pension death benefits and trusts was raised at our weekly adviser meeting on Monday. Lump sum pension death benefits paid from registered pension schemes on death after age 75 are taxed at 45% in 2015-16. It was expected th...

I HAD HOPED BY THIS POINT IN JULY TO BE WRITING THE BLOG FROM A BALMY GLASGOW CITY CENTRE WITH THE SUN BEATING DOWN ON ME WITH A NICE COLD DRINK IN MY HAND. Unfortunately this has not come to pass……..yet.Instead we are in the office getting on with one of the most important pieces of work...

WELL THERE WE HAVE IT THE FIRST EVER SUMMER BUDGET! I SEEM TO BE WRITING ABOUT BUDGETS FAR TOO OFTEN SO I WILL GET THROUGH THE MAIN POINTS, MAKE SOME COMMENT THEN I AM DEFINITELY NOT GOING TO WRITE ABOUT THE GOVERNMENT FOR A WHILE. There are 2 themes I want to touch on, the specifics th...