What’s happening out there in the international financial markets? How will these changes affect you and your family? What new products are coming on the market? Are they any good? How do existing products really work?  Keep up with my financial advice based blog.

proud to be the winner of the Best International Financial Planner Award 2018

Delighted to have won Best International Financial Planner Award 2018 at the AES International conference in London this week! Helping to make clients healthy, wealthy and wise:-)


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Remember all of the stresses of moving abroad for the first time? When you move back to your home country, you will have to put some of the things you did before you moved in reverse. All of the same aspects will require your attention when you repatriate. Things like shipping companies, pet relocation, schooling, health facilities, and importantly all of the financial aspects, From a financial point of view be aware that moving back home can affect your tax situation, your savings and your investments. Here are some key areas to consider:

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The UK Lifetime allowance is the total value of pension savings that can be accumulated without a tax charge. We have previously seen the lifetime allowance fall from 1.8 million, down to 1.5 million and now it has been reduced yet again from £1.25 million to £1 million from 6 April 2016. 

So how does this work? Well, savers will pay tax on any excess savings above the Lifetime Allowance Limit. The rate of tax depends on how savers receive the excess. If it is in the form of a lump sum, then the rate of tax is an eye-watering 55 percent. If it is in the form of a regular pension, the excess is taxed at 25 percent. This is on top of your marginal rate of tax.

It is expected that this will generate tax of approximately £1.92 billion by 2019/20.

Now you may be sat there thinking this won’t affect me! But even if 1 million pounds seems like a long way off, it is still an important consideration.

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10 things to put in your ‘death folder’

Okay, I know that this isn’t the most uplifting title to a blog post but I feel it is an important one. I have experienced a number of situations myself where sadly clients have passed away and due to a lack of organization it has been incredibly difficult to help their loved ones organize their estate after their passing.

A "death folder" is a physical or digital folder that an individual or family keeps that contains important information that will be needed in the event that someone dies. The folder, which is sometimes referred to as a "death folder" or "when I'm dead" folder, serves an important but often overlooked role in estate planning.

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7 Reasons everyone should write a Will

Here are some of the key reasons you must consider writing a Will

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