Bank of Mum and Dad risking retirement income as average loan hits £24k

The Bank of Mum and Dad could be accepting a more uncertain retirement after financially supporting family members to buy a home, Legal and General has warned.

Its research found that the average con...

Hospitals consider paying doctors through personal service companies so as not to exceed pension cap.

Some NHS hospital trusts are considering paying their consultant clinicians via limited liability partnerships (LLPs), as problems have arisen for high-earning clinicia...

Money that’s what I want

Everybody knows the lyrics of Money by The Beatles, and we all acknowledge Money can’t buy everything but it can get you a lot.  Growing investments and increasing your money is one of the major factors in investing.

So what can be done to ensure...

The Generation Game

The rise of workplace pensions and the ever-present stories in the media over the burden of pension funds means we are all well aware of the importance planning for our retirement has.  Being in a position to maintain a good standard of living once o...

The Show Must Go on

Happy 2019! The Langham team are all now back at their desks and wondering if Christmas ever really happened at all.  With a flurry of activity we are now getting back to the tasks of Annual Reviews and portfolio planning amongst many others. In the...

Investing Survivors 

An important part of the IFAs fact find is discerning their Client’s Attitude to Risk.  Understanding how comfortable a client is with the risks of investments is a valuable tool for securing the best investment for their funds.  Finding the motivat...

You Can’t Always Get What You Want

Every year the IFA conducts an annual review of their clients’ pensions and investments.  So, what is some of the data in this review and what is the value and importance?

Like any purchase we make on a service we all want to know we ar...

Cash flow Analysis Money talks!

One of the vital parts of the IFA service is the Cash Flow Analysis of a clients current financial position. Interestingly an IFA’s role is not simplest managing investments for return. Primarily it’s the understanding of the client’s fut...

Somewhere Over the Rainbow – the Pension Pot of Gold?

Times have indeed changed and the days of a person working for a single employer for the entirety of their employable life is become less common. In fact it is believed that the average working person will change job...

What a difference a day makes – 24 little hours 

One of the hardest parts of being an IFA can be getting clients to invest their time in reviewing their investments.  Sounds silly but diarising an appointment 1 day a year can feel like pulling teeth… and remember how ke...