Posts by Mary Waring
Can I move my ISA if it underperforms?
What happens if after you’ve had your ISA for a period of time you notice the underlying investments are not performing? You’re happy with the tax breaks you’ve received but decide the investment is no longer meeting your needs. Or maybe you simply wish to switch to a provider with a wider choice of funds…
Read MoreHelp, how do I take control of my finances?
I had a meeting with a potential client last week who’d been following me on Twitter and as a result of my tweets had been motivated to get to grips with her finances. Hooray the message is getting through! The thing that confused her was “where to start?” If I was Julie Andrews I could…
Read MoreGetting Financially Ready for Divorce
Nobody wants to be faced with divorce. It is a challenging time in anyone’s life. When the rest of your world may feel out of control, it is important to take control over the things you can control. Getting financially ready can help you to feel more confident and stronger to deal with what lies…
Read MoreWhat is that thing called collaborative law?
Separating and divorcing couples can now deal with issues arising upon the breakdown of their relationship by a process known as Collaborative Law. This process involves both parties signing up to an agreement which states, amongst other things, that they will not make an Application to the Court to deal with resolution of issues between…
Read MoreHelp, where has all my money gone?
Does it sound familiar that no matter how much income you earn in a month it all seems to be gone by the end. You promise yourself that when you get a pay rise, or when you land that big contract, then you will start saving. But actually, you do get a pay rise, you…
Read MoreDo you have enough money?
What if I were to ask you “how comfortable do you feel that you’ve got enough money to do what you’d like to do? I’m wondering how confidently you’d be able to answer this question. My guess is that most people really aren’t sure how much they need. And I’m not talking about how much you need in the short term-…
Read MoreDoes your investment portfolio need a health check?
Once a financial plan has been put in place it’s tempting to believe the paperwork can be tucked away in a drawer and forgotten about, never to be looked at again. However, your plan needs to be reviewed on a regular basis to ensure you are on track to meet your objectives, and that the…
Read MoreISAs explained: limits for 2013/14
What is an ISA? ISA stands for Individual Savings Account. In an effort to get us all saving as much as possible the government gives tax advantages when saving into an ISA. There are limits set each year as to what amount you can save in an ISA and receive tax benefits. Ordinarily if you…
Read MoreWhat happens if you die without a will?
Research shows that over 28 million of the UK adult population (58%) are currently without a will[1] despite 92% of the population having a firm idea on who they would like their estate to pass to after they die. It is a common misconception that once you die your spouse will inherit everything or that…
Read MorePensions and Divorce: Pension sharing/splitting
Pension sharing is available where divorce proceedings began on/after 1st December 2000. The court will split the pension fund between the 2 parties, and the relevant part will be transferred from the scheme member to a pension fund in the name of the ex spouse. The scheme member’s pension is reduced by the value of…
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