There were so many factors which moved markets in 2018 it’s difficult to summarise with relative brevity but we will attempt it, nonetheless. In the first quarter markets rose and…

Delighted to announce that we have now moved into our new premises. Set in stunning landscaped surroundings, overlooking The Valley Gardens, Windsor House is only five minutes walk from Harrogate’s main…

It was very much a risk-on month for equities and especially for the UK. There was a generally more positive backdrop for equities, which was due to multifarious factors including…

The Government has decided to bring forward the increase in the state pension age to 68 by seven years. Adopting the recommendations of the Cridland review into state pension increases,…

A drop in stocks and gains in haven assets like the yen and gold are textbook knee-jerk reactions to unexpected events, but once they sit down and think more clearly…

We’re now in September, yet there are still plenty of headlines filled with stories about the potential fallout from the Brexit vote. Everyone is keenly watching economic data to see what the indicators…

In 1624, John Donne wrote “No man is an Island, entire of itself; every man is a piece of the Continent”. Almost 400 years later, however, a narrow majority of…

Budget 2016 You’ll have read all about sugar tax etc…so here are the pertinent points relating savings, investments, pensions and taxation: It’s business as usual for pension saving as the…

As long as I have been in pensions the future of the tax-free lump sum has cropped up time and time again. Every year the question of abolition is posed and…

Delighted to have featured in this weeks edition of the industries best magazine, New Model Adviser.  They picked up on the story that I helped form, sponsor & coach the local…