“Britain to BAKE in hottest October day in 100 years as temperatures soar”

Oct 11, 2018 | In the news

An independent (financial adviser’s) view

‘Why are you always so negative, Philip’, I was asked last week on Twitter following some Brexit-related comment or other. Well, I’m not. I was very positive about the fab weather we enjoyed this week. It put a spring in my and most peoples’ step; another day of outdoor living and café society before dread winter arrives. But at least half of those I shared my happiness with told me that the end was nigh and it was a sign that Global Warming would finish off our grandchildren. Can’t win, can you?

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“Record year for annuity sales driven by advisers”

“Record year for annuity sales driven by advisers”

I was asked this week whether annuities are now ‘a good investment’. They’ve been recommended very rarely in recent years, since ‘pension freedoms’ allowed pretty much unlimited drawdown on pension funds and anything left to be passed on to beneficiaries free of Inheritance Tax.