News & Blog

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  • 08 January 2019

    Filling the Advice Gap

    By FMB

    Has financial advice changed since the Retail Distribution Review in 2012?

    This year the Financial Conduct Authority (FCA) is set to review the RDR 6 years after the sweeping changes to our services were introduced.

    Undoubtedly there have been many positives. The uplift in minimum qualifications for Advisers has brought increased professionalism and the link between

  • Whether or not you can afford to lose money, most people would prefer not to. So, as long as we have been helping people with their finances, we have been having the same conversations about investing. (That’s over 30 years in case you are interested!) But we are not Superheroes with special powers. If someone promises you inside the inside track they might just be “The

  • 14 December 2018

    Charitable Company Contributions

    By FMB

    As a business, we think it is important to support charity as and when we can. We have supported many causes over the years including South Lakeland Hydrotherapy Trust, Children in Need, Macmillan Cancer Support and Save the Children, to name just a few. However, we don’t just give money to charities; many of our team donate blood regularly during office hours and we have

  • 03 December 2018

    How much does retirement cost?

    By FMB

    According to recent research*, the amount needed to fund a comfortable retirement, when someone opts to stop work at 65 and decides to buy a single-life annuity with inflation protection, has now reached £260,000.

    The report points out that for those who don’t make it onto the housing ladder and so will need to pay rent during their retirement years, the figure will be

  • Best practice on recommending a financial adviser to your clients.

    Obviously we are really pleased to work with local professionals helping mutual clients and thank those of you who have chosen to trust us by recommending your precious clients. It’s not an easy leap to make.

    If someone were to ask you why you have chosen to recommend FMB, would you have an answer that

  • Are you a company director with life assurance to provide for your loved ones?

    Taking out a Relevant Life Policy could be a tax efficient way of providing life cover where the number of employees is too low for a group death-in-service scheme. Most people pay their life insurance premiums from their post-tax income. If you have a limited company – Don’t! You can use a

  • Life does not always go to plan.

    Even if most people haven’t really thought about their financial goals, one milestone they probably have considered is their retirement date. Although there is no requirement to retire at a certain date now, most of us are probably labouring (quite literally) under the assumption we’ll hang up the boots around the 65 mark.

    So what happens

  • Despite today’s recovery, stock markets are heading for their worst week since February, Reuters points out.

    After hearing a few of our fund managers here at FMB recently, we have been warned that value and growth will be hard to find in the next twelve months. A trend of rising in oil prices, Chinese slow down and trade wars were all cited. One thing that seemed a given

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