Pearls of wisdom from the master of marketing

Whether you work within a large established financial services company, a small boutique or have plans to branch out on your own, marketing will form an essential part of your career or business. Even if you are lucky enough to have a large client bank, you still need...

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Level 6 Paraplanner – The Nomad Paraplanner

If you’re looking for a level 6 paraplanner, then you need the Nomad Paraplanner.How am I qualified to level 6?In 2014, I achieved a distinction in the CISI level 6 Certificate in Private Client Investment Advice and Management. You can find out more about what this...

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Popular Delusions: Helping us to understand human behaviour

The investment textbooks write a lot about efficient market and modern portfolio theory, however if you only read the official texts you could be left with the impression that we as humans, and especially as investors, are inherently intelligent people – a view that...

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Financial planning – Is it pointless to be too precise?

A great deal of financial planning is related to the future. That in itself creates huge challenges as any plan we create is inevitably going to have elements of error. As a profession, financial planning appears to becoming increasingly precise about a future we...

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Defined Benefit Transfer Advice – It’s only advice

Following the sweeping changes to pension legislation, combined with financial advisers concerns over compliance and PI cover in the area of Defined Benefit Scheme transfers, I thought I would give my two pennies worth of thoughts on the matter. Presently, we appear...

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Simple Advice – Not quite so simple

I’ve heard many people discuss the need for simplified advice, yet how can simple advice be appropriate without taking account of a client’s personal and financial situation, their tax status and the options available to them, amongst other considerations. In essence,...

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The FCA. Do we still need it?

I'm sure you are all wondering whether the heat has gone to my head with that headline. I can assure you it hasn't! The costs of the FCA are burdensome and escalating and there's still widespread financial nonsense taking place. I've therefore given some thought to...

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Would you be brave enough to invest?

Recently, I had the pleasure of reading Meb Faber’s excellent e-book ‘Global Value: How to spot Bubbles, Avoid Market Crashes, and Earn Big Returns in the Stock market’. The book discusses the importance of value based investing in stock markets globally and for me it...

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Illusory return and very real risk

  In my view, government bonds exhibit very high risk of loss and a great deal of the return provided by them is an illusion of wealth, unless of course you sell today. The UK Gilt market has been manipulated by the Bank of England’s purchases of these bonds via...

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