New Website Launched at http://www.financial-vision.co.uk Financial website design for IFA's
Friday, 15 January 2010
Latest Free Client newsletter available
(My Original Blog Post: http://ping.fm/EUXjt)
Our latest free newslettter Esmart money is now available to download at:
Financial Newsletter
Our latest free newslettter Esmart money is now available to download at:
Financial Newsletter
[Blog] Latest Free Client newsletter available: Our latest free newslettter Esmart money is now available to download at:
... http://ping.fm/DSvTT
... http://ping.fm/DSvTT
Friday, 8 January 2010
Monday, 4 January 2010
[Blog] Time to review your finances: For many people 2009 was a year to forget. A global recession, stock market tu... http://ping.fm/5MUxz
Time to review your finances
(My Original Blog Post: http://ping.fm/DiEJQ)
For many people 2009 was a year to forget. A global recession, stock market turbulence and a general feeling of unease have left a lot of individuals feeling uncertain about the future.
Hopefully 2010 will be a better year. However there are step we can take to help our financial situation.
One thing we can do to get the situation into perspective is to review our finances. Whether it’s your mortgage, loans, investments, income or spending habits need to be reviewed regularly.
Carrying out a review will help you to identify where your finances can be improved and where you need to make changes..
It is important to review your savings and investments, to ensure they are suitable to the level of risk you are prepared to accept. It is also worth looking at your credit cards, gas and electricity as well as insurance to see if you could get a better deal. Even a small saving could make a difference to your monthly budget.
Making the most of your annual tax allowances such as individual savings accounts, capital gains tax allowances and pension planning are also ways of reducing the level of tax you might pay.
Whilst income and capital gains tax are important, the effect of inheritance tax should also be considered.
Many individuals and parents, own assets over the value of the Inheritance Tax Nil Rate band. Effective tax planning can be used to reduce the amount of inheritance tax their estates might have to pay.
For many people, the services provided by financial advisors help them to review and implement changes to their finances.
If you believe that you would benefit from independent financial advice please contact us on 01454 321511.
Consilium Asset Management
For many people 2009 was a year to forget. A global recession, stock market turbulence and a general feeling of unease have left a lot of individuals feeling uncertain about the future.
Hopefully 2010 will be a better year. However there are step we can take to help our financial situation.
One thing we can do to get the situation into perspective is to review our finances. Whether it’s your mortgage, loans, investments, income or spending habits need to be reviewed regularly.
Carrying out a review will help you to identify where your finances can be improved and where you need to make changes..
It is important to review your savings and investments, to ensure they are suitable to the level of risk you are prepared to accept. It is also worth looking at your credit cards, gas and electricity as well as insurance to see if you could get a better deal. Even a small saving could make a difference to your monthly budget.
Making the most of your annual tax allowances such as individual savings accounts, capital gains tax allowances and pension planning are also ways of reducing the level of tax you might pay.
Whilst income and capital gains tax are important, the effect of inheritance tax should also be considered.
Many individuals and parents, own assets over the value of the Inheritance Tax Nil Rate band. Effective tax planning can be used to reduce the amount of inheritance tax their estates might have to pay.
For many people, the services provided by financial advisors help them to review and implement changes to their finances.
If you believe that you would benefit from independent financial advice please contact us on 01454 321511.
Consilium Asset Management
Thursday, 17 December 2009
Small Business Advice
Consilium Asset Management are independent financial advisors that offer a small business advice service to their clients
Thursday, 10 December 2009
Budget summary
(My Original Blog Post: http://ping.fm/zA3Oy)
In depth Budget summary now available at http://ping.fm/iAY5n
In depth Budget summary now available at http://ping.fm/iAY5n
[Blog] Budget summary: In depth Budget summary now available at http://ping.fm/ONXJH http://ping.fm/Qot06
Wednesday, 9 December 2009
Pre Budget Summary
(My Original Blog Post: http://ping.fm/i6IpC)
A summary of the Chancellors Pre Budget Speech is available at
A summary of the Chancellors Pre Budget Speech is available at
[Blog] Pre Budget Summary: A summary of the Chancellors Pre Budget Speech is available at http://ping.fm/mNrLW
Tuesday, 8 December 2009
[Blog] Article on our Small Business Service: Our latest Small Business Article is now available to read.
Our Small Bu... http://ping.fm/9jGcG
Our Small Bu... http://ping.fm/9jGcG
Article on our Small Business Service
(My Original Blog Post: http://ping.fm/1kCUm)
Our latest Small Business Article is now available to read.
Our Small Business advice service is available to our clients.
Our latest Small Business Article is now available to read.
Our Small Business advice service is available to our clients.
[Blog] Budget and the days ahead: The Chancellor of the Exchequer (Alistair Darling) has a difficult task on Wednesd... http://ping.fm/QzIJH
Budget and the days ahead
(My Original Blog Post: http://ping.fm/a3VLO)
The Chancellor of the Exchequer (Alistair Darling) has a difficult task on Wednesday, trying to balance the books of the UK.
His pre-budget report may contain a few bombshells and unpalatable increases in taxation for some sectors of the population.
He has a difficult task of convincing the UK, that he has the ability and plans to restore the UK economy, whilst reducing the current budget deficit.
Any changes must not harm the recovery of the economy, but the UK is still the only major country to officially still be in recession.
With a general election only a matter of months away, he needs to demonstrate that Labour have the ability to help the UK recover.
He is likely to admit the economy contracted 4.75 per cent this year. This was more than his expectations.
A raft of economic data this week will paint a picture in terms of the economic recovery and how it is progressing. Similar data for German industrial production, also out on Tuesday, are expected to show a rise of 1 per cent.
The US will publish retail sales for November this Friday. This hopefully should give a view on consumer spending now that the “cash for clunkers” car scheme has ended.
Friday sees economic data from China for November. This may give a boost to the global recovery.
The Bank of England will probably leave interest rates and the asset purchase scheme unchanged at Thursday’s meeting.
We will publish our budget summary later this week. In the meantime if you would like to speak to our financial adviser please contact us.
The Chancellor of the Exchequer (Alistair Darling) has a difficult task on Wednesday, trying to balance the books of the UK.
His pre-budget report may contain a few bombshells and unpalatable increases in taxation for some sectors of the population.He has a difficult task of convincing the UK, that he has the ability and plans to restore the UK economy, whilst reducing the current budget deficit.
Any changes must not harm the recovery of the economy, but the UK is still the only major country to officially still be in recession.
With a general election only a matter of months away, he needs to demonstrate that Labour have the ability to help the UK recover.
He is likely to admit the economy contracted 4.75 per cent this year. This was more than his expectations.
A raft of economic data this week will paint a picture in terms of the economic recovery and how it is progressing. Similar data for German industrial production, also out on Tuesday, are expected to show a rise of 1 per cent.
The US will publish retail sales for November this Friday. This hopefully should give a view on consumer spending now that the “cash for clunkers” car scheme has ended.
Friday sees economic data from China for November. This may give a boost to the global recovery.
The Bank of England will probably leave interest rates and the asset purchase scheme unchanged at Thursday’s meeting.
We will publish our budget summary later this week. In the meantime if you would like to speak to our financial adviser please contact us.
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