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Richard Eastwood
 

July Market Commentary

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June was a fairly quiet month. Well, apart from the chaotic General Election in the UK. Oh – and the decisive win for Emmanuel Macron in the French parliamentary elections. And the start of the Brexit negotiations. And Italy was forced to bail out two...

Why retirement is worrying millennials

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A recent study by HSBC has revealed the main financial worries of the ‘millennial’ generation, recognised as those born between 1980 and 1997. As its title suggests, the ‘Future of Retirement’ survey focuses primarily on how...

June Market Commentary

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As we wrote last year, ‘It is tempting to think that Brexit is the only game in town.’ Cross out ‘Brexit’ and replace it with ‘General Election’ and the sentiment holds good. But the rest of the world keeps turning –...

Insurance premiums set to rise due to tax change

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Insurance companies have warned that a recent rise in tax could mean that the average family will end up paying £283 more for their premiums every year. The Insurance Premium Tax (IPT) has now increased from 10% to 12%, meaning that the cost of home,...

May Market Commentary

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Introduction It’s difficult to know where to begin this month. In France? Where Emmanuel Macron, the centrist candidate, successfully defeated the far right’s Marine le Pen to become the youngest ever French president, at just 39. In the UK?...

April Market Commentary

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Introduction It’s tempting to think that Brexit is the only story worth reporting: in fact, there was plenty happening in March, from elections in Holland to a rate rise in the US, new growth targets for China and – also in the Chinese capital...

Make sure you are set to get the full £1 Million IHT Allowance

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There is no such certainty as death and taxes, but with many of us living longer healthier lives, planning for our retirement and organising and sorting out our tax affairs are crucial to a contented future! This April sees the introduction of the Residence...

March Market Commentary

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Introduction Last month was the month when it was almost impossible to keep up with the stories coming out of the White House. Normally as I make notes for this commentary through the month I end up – not surprisingly – with far more notes...

February Market Commentary

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Introduction Despite the claims of Brexit and the debate on triggering Article 50, it is impossible to start this commentary anywhere other than in Washington where, on January 20th, Donald Trump was inaugurated as the 45th President of the United...

5 things to do before your Year End

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With not long left until the end of the financial year, it’s a good time to start thinking about your Year End (if this aligns with the financial year) and ensure you have everything in order in good time to avoid complications or penalties. ...

10 Reasons to Pay into your Pension before April

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Pensions remain the most tax efficient way to save for retirement. With the new freedoms removing any lingering barriers to accessing funds and passing on unused funds on death we want to ensure clients don't miss an opportunity for a top up. Here are...

3 new years resolutions for your finances in 2017

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Whilst New Year’s resolutions are always made with the best of intentions, the truth is that they often prove difficult to keep beyond the first few weeks in January. The main reason for this is that the goals we set ourselves are admirable but simply...

January Market Commentary

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Introduction At the start of 2016, Brexit was seen as unlikely and President Trump was seen as impossible. David Cameron was busy negotiating a deal with his European counterparts which would surely secure a comfortable majority for the...

The Young Are Set To Inherit

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A report by the Institute for Fiscal Studies has pointed out that the younger generation are set to inherit more wealth than their predecessors, both in absolute terms and relative to their other sources of wealth. Ranking current pensioners by total...

Only An April Fool Leaves It Too Late - Happy New Tax Year!

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As 2016 starts to fade away thoughts turn to planning for 2017. Most of the changes highlighted below won't come into effect until April, but now is the time to start planning try to avoid the tax year end panic. Income tax - hurrah Personal...

Making a Financial New Year Resolution

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The 12 Days of Christmas may have been and gone, but as we start 2017 with New Year resolutions and plans, Financial Adviser Richard Eastwood has 22 good intentions to get your finances in order and reasons why you should: ...

December Market Commentary

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Introduction Well, for the second time this year the pollsters and the bookmakers had it spectacularly wrong. First Brexit, now President-elect Donald J Trump. By 306 Electoral College votes to 232 the 70 year old billionaire overturned the predictions...

Is the Autumn Statement Christmas Come Early or Not?

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Philip Hammond’s first Autumn Statement was never going to seem like Christmas come early. But despite the lack of grand spending plans there were some interesting details nonetheless. We’ve summed up the best bits for you ...

Does buy-to-let still pay?

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The popularity of investing in property to fund retirement remains prevalent, in spite of the government’s attempts to make buy-to-let less and less attractive. But is buy-to-let investment really a viable alternative to a pension pot, for example? A...

November Market Commentary

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Introduction We left you last month having reported on September as a month where ‘nothing much happened’ on the world’s stock markets. For many of the major markets October was much the same: only three of the twelve markets we cover...

Celebrating 60 years of ERNIE

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Long before the Lottery Premium Bonds were considered the route to riches. It’s 60 years this week since they were launched as a savings product in the UK, and this November will see ERNIE make the 350th jackpot winner. They are something I like to...

Why you are never too old to appoint a financial adviser

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The true story of a nonagerian You’re never too old to think about the future and one wise 90+ investor has seen her money grow over £40,000 in three years thanks to careful planning with us. Mrs B came to us aged...

Three lessons about retirement from those who have already retired

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Retirement is undoubtedly the section of your life which received the largest amount of planning for most people, with much of your working life spent ensuring you can live where and how you want once you’ve retired. However, as with all plans, there...

October Market Commentary

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Introduction September was the month when nothing much happened on the world’s stock markets. Three of the 11 major markets on which we report were up, three were unchanged and five were down – but none of them by very much. The UK led the...

Alternative investments from childrens books to memorabilia

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If you’ve got some spare cash left over from more traditional, structured investments, then you could follow in the footsteps of the growing number of people investing in collectibles. As well as providing something physical to enjoy and look after in...

September Market Commentary

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By and large August was a good – but unexciting – month for the major world stock markets we cover in this commentary. There were no dramatic gains – Hong Kong was the star performer with a rise of 5% – and two or three markets did...

INSIGHT: Where has the Brexit vote left the investors?

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And so it came to pass... There were always going to be fireworks in the financial services sector after a vote to leave. Most experts on the economy predicted it including us – What Brexit Could Mean for Investments But...

Tax Relief on Pensions and the Chancellor

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Pearson’s Financial Advisers are keeping a watchful eye on an anticipated announcement soon regarding the overhaul of pension tax relief. Chancellor George Osborne will announce the outcome of a pension tax relief review on 16 March. While he...

INSIGHT: Taxing matters use it or lose it

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Turn your New Year resolutions into reality… The end of January marks a key date in the small business calendar – the deadline for submitting online tax returns - but with prudent planning ahead and help from experts it...

Pearson Solicitors Commercial team Supports One Oldham Business Awards

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Once again Pearson Solicitors and Financial Advisers are proud to be supporting the Oldham Business Awards. We won Business of the Year in 2013 and last year followed up this success with our Partner Joanne Ormston being awarded...