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Ray Prince is an Independent Financial Planner with Rutherford Wilkinson plc, and helps UK Resident Doctors and Dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives.
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Saving Money From Income - are You a Saver or Spender?It certainly looks all doom and gloom at the moment doesn't it? Open any newspaper or tune into the news on TV and if you are anything like me, you get punch drunk with all the articles on how bad the stock market or property market is etc etc. It may seem perverse then to write an article on savings! Investing in Money Market Cash Funds - are They a Wise Option?When it comes to investing your money, you'll probably know by now that you have numerous options to choose from. In fact, it can feel like a bit of a minefield and sometimes you may not know if you've made the right choice. Should you choose a bond fund, equity fund, property fund or a money market cash fund? Or any other type of fund? So, what is a Money Market fund? Dentists' Provident Society - Income Protection Claim StatisticsIf you are a dentist, it's likely that you've taken out income protection insurance (also referred to as permanent health insurance). In fact, you may have even claimed on your policy. During the last few years many of the leading insurers have been releasing their claim statistics for critical illness cover and income protection. Financial Sales Vs Financial Planning - What You Need to KnowOne of the challenges we face as Fee Based Planners and Wealth Managers is how do doctors and dentists get to know about Graeme and Ray and the job we do? After all, we know (and our existing clients tell us), that we are providing our clients with exactly the kind of service they want, and they love the way we work for them and not the product provider. To Sipp or not to Sipp? - More Pension Options ExplainedWe have been seeing a lot of enquiries from clients wanting to know if a Self Invested Personal Pension (SIPP) would be appropriate for them. Let's look at an example to illustrate this. Let's say you have several personal pensions, some separate share investments and an investment property. How can you use a SIPP to invest in the shares and the property? Stock Market Crash? Your Options ExplainedWe live in interesting times... You cannot switch on the TV or read a newspaper without hearing of doom and gloom. If it's not property and stock market falls it's oil prices going through the $100 level, and the situation in Iraq seems to be deteriorating. Avoiding Inheritance Tax - Planning for the InformedMany clients have accumulated substantial funds within ISAs and PEPs over the past 10 years and enjoyed significant tax breaks in the process. It's not unusual to see clients with capital in PEPs and ISAs in excess of Spanish Property - Wealth Tax & Inheritance TaxWe have many clients who have either bought in Spain or the Balearics, or are thinking about doing so. In the past few years, there have been some changes in how the Spanish government tax those who are UK based and have a Spanish property, although with a change of government this could alter again. Here we will look at two aspects - Wealth Tax & Inheritance Tax. Stock Market Timing - Should You Bother When You Invest?At the time of writing this article the Markets are showing great signs of nervousness and probably should be on Prozac. The problem is that the Markets are uncertain as to the future and therefore have bouts of pessimism followed by optimism followed by pessimism again. Consequently, we see big swings in daily prices of securities. Personal Pension Plans - Does the 'best' One Exist?Like many of our clients, we are constantly updating our Continuous Professional Development (CPD). One of the many pieces of reading material we were looking through had the title of 'Advisers Have Vital Role As Persuaders'. This was based on the results of a survey which asked both individual investors and advisers 5 questions about retirement planning success.
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