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19th June 2012

Finance initialisms to make you ROFL

The financial services industry loves it’s 3 letter acronyms or initialisms to be precise. It’s no wonder the public are ITD (in the dark). The Regulators don’t help, but it wasn’t the FSA. Before them it was the PII (and before them – the LIA). The FSA’s days are numbered –
The financial services industry loves it’s 3 letter acronyms or initialisms to be precise. It’s no wonder the public are ITD (in the dark). The Regulators don’t help, but it wasn’t the FSA. Before them it was the PII (and before them – the LIA). The FSA’s days are numbered –

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24th May 2012

Citius, Altius, Fortius

Yesterday I joined thousands of others as we celebrated day five of the Olympic Torch Relay. I stood on the streets of Royal Wootten Bassett cheering as it got carried past, my enthusiasm only beaten by that of my children and their classmates at the local primary school in Minety. The whole school had boarded coaches, carrying
Yesterday I joined thousands of others as we celebrated day five of the Olympic Torch Relay. I stood on the streets of Royal Wootten Bassett cheering as it got carried past, my enthusiasm only beaten by that of my children and their classmates at the local primary school in Minety. The whole school had boarded coaches, carrying

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10th May 2012

Taxing issues

There have been a number of articles in the press recently regarding the problems in getting through to the HMRC  Tax helpline.  Apparently only 1 in 4 people carry on holding to try and get through to someone, with only 74% of callers managing to get through to speak to
There have been a number of articles in the press recently regarding the problems in getting through to the HMRC  Tax helpline.  Apparently only 1 in 4 people carry on holding to try and get through to someone, with only 74% of callers managing to get through to speak to

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8th May 2012

Using Trusts as part of your planning

Trusts are often regarded as the preserve of the wealthy. Fortunately however, this is not the case. I have previously suggested that people with assets should make a will rather than rely on the laws of intestacy and the same may be said about trusts. With the above in mind it
Trusts are often regarded as the preserve of the wealthy. Fortunately however, this is not the case. I have previously suggested that people with assets should make a will rather than rely on the laws of intestacy and the same may be said about trusts. With the above in mind it

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29th April 2012

Flexible Planning for Retirement – ISAs and Pensions

It will be apparent to many who have read my blogs in the past that I am unashamedly pro ISA’s. That doesn’t mean to say that I am not supportive of pensions (the defined contribution type), I am, but I think that it is worth looking at a few facts particularly
It will be apparent to many who have read my blogs in the past that I am unashamedly pro ISA’s. That doesn’t mean to say that I am not supportive of pensions (the defined contribution type), I am, but I think that it is worth looking at a few facts particularly

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26th April 2012

In the news – Top 10 Sporting IFAs

We have always considered ourselves a sporty bunch at Proposito Financial Planning, but it was good to see us hit the big time in the New Model Advisor Athletes – Top 10 Sporting IFAs. As a kick off to what is hopefully a great sporting year for the country,
We have always considered ourselves a sporty bunch at Proposito Financial Planning, but it was good to see us hit the big time in the New Model Advisor Athletes – Top 10 Sporting IFAs. As a kick off to what is hopefully a great sporting year for the country,

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17th April 2012

Client Centre helping to beat the stamp price increase

With the cost of stamps set to increase on 30th April, demand has risen strongly across the UK and the Royal Mail is now rationing retailers until the increase. A spokesman for Google, the internet search engine, said that online searches for the term  ‘cheap stamps’ have risen by
With the cost of stamps set to increase on 30th April, demand has risen strongly across the UK and the Royal Mail is now rationing retailers until the increase. A spokesman for Google, the internet search engine, said that online searches for the term  ‘cheap stamps’ have risen by

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28th February 2012

Active v Passive Investing

The problem with the active v passive debate is that there is no right answer – that’s why it’s a debate. Everyone’s got their own opinion. It’s also a very emotive subject. People believe their opinions are “correct” and will cling to their existing
The problem with the active v passive debate is that there is no right answer – that’s why it’s a debate. Everyone’s got their own opinion. It’s also a very emotive subject. People believe their opinions are “correct” and will cling to their existing

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3rd February 2012

The importance of making a will

One of the first things we ask when starting on the financial planning journey with a client is to check whether they have a will and whether it is up to date.  We are still surprised when we hear the answer ‘no’ but perhaps we shouldn’t be. In the UK,
One of the first things we ask when starting on the financial planning journey with a client is to check whether they have a will and whether it is up to date.  We are still surprised when we hear the answer ‘no’ but perhaps we shouldn’t be. In the UK,

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1st February 2012

Workplace Pension Reform – Why Plan Ahead?

In October 2018 all business will be automatically contributing 3% of their eligible jobholders qualifying earnings into a workplace pension. In addition eligible employees will be paying 5% of their own salary into a workplace pension. Non-eligible jobholders can elect to opt in to auto-enrolment, whilst entitled workers can
In October 2018 all business will be automatically contributing 3% of their eligible jobholders qualifying earnings into a workplace pension. In addition eligible employees will be paying 5% of their own salary into a workplace pension. Non-eligible jobholders can elect to opt in to auto-enrolment, whilst entitled workers can

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26th January 2012

Workplace Pension Reform – The Top Ten Terms

Here are the top ten terms you now need to include in your business vocabulary to ensure you know your way around the impending workplace pension reforms: Staging Date Each employer will be given a date from which they will have to comply with the workplace pension reforms. This
Here are the top ten terms you now need to include in your business vocabulary to ensure you know your way around the impending workplace pension reforms: Staging Date Each employer will be given a date from which they will have to comply with the workplace pension reforms. This

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26th January 2012

Is your head in the sand regarding workplace pension reform?

Changes to pension legislation have become a bit like buses: nothing for ages then two come at once.  That’s a bit unfair on buses though because to be honest changes to pensions have occurred almost annually since April 2006. Who can forget 6th April 2006? A – Day, pension
Changes to pension legislation have become a bit like buses: nothing for ages then two come at once.  That’s a bit unfair on buses though because to be honest changes to pensions have occurred almost annually since April 2006. Who can forget 6th April 2006? A – Day, pension

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16th December 2011

Market Summary: 16th December 2011

The FTSE All Share index, representing the performance of all of the eligible companies listed on the London Stock Exchange has finished the week at 2,764.96, a slight decrease of 7.29 points (0.26%) on the day and 74.87 points (2.64%) lower than its 2,839.83 opening value at the start
The FTSE All Share index, representing the performance of all of the eligible companies listed on the London Stock Exchange has finished the week at 2,764.96, a slight decrease of 7.29 points (0.26%) on the day and 74.87 points (2.64%) lower than its 2,839.83 opening value at the start

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16th December 2011

Our very own Olympian

Having a former Olympian in the office is cool.  But things have just got a bit more exciting in the run up to London 2012 for Proposito’s marketing manager Joanne Jones. Joanne was a member of Great Britain’s synchronised swimming team at the 1988 Olympics in Seoul. However, she has just
Having a former Olympian in the office is cool.  But things have just got a bit more exciting in the run up to London 2012 for Proposito’s marketing manager Joanne Jones. Joanne was a member of Great Britain’s synchronised swimming team at the 1988 Olympics in Seoul. However, she has just

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16th December 2011

Santa’s been

Can you remember being a child at Christmas? The nervous anticipation on Christmas morning as you creep downstairs to see if Father Christmas has been? Well for those of us in the financial planning profession we experience those feelings each December, but a little bit before the 25th. December
Can you remember being a child at Christmas? The nervous anticipation on Christmas morning as you creep downstairs to see if Father Christmas has been? Well for those of us in the financial planning profession we experience those feelings each December, but a little bit before the 25th. December

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