Robert Milne Financial Advisers Ltd

22/06/2021

Assistant to Practice Manager. Producing reports and client management.

30/10/2018

Internet has crashed in our area and sadly not expected back on until after lunch. Apologies for the inconvenience.

28/02/2018

Take a few moment to use this calculator to gain an understanding of your expected retirement fund.
A useful tool

Use our retirement calculator to determine if you will have enough money to enjoy a happy and secure retirement.

08/01/2018

Worrying times ahead or creating opportunity for people to move within a sensible price range?

Squeeze on real wages and economic uncertainty are continuing to put potential house buyers off, says lender

08/12/2017

What should my retirement saving look like?

A question that we are regularly asked and this depends on several factors such as: 1: Age of retirement 2: Standard of living in expected retirement 3: Life expectancy

Fidelity pensions have released a basic guide as to what they believe the savings pattern should look like. (see attached)

Compare this to your current pension pot to see if you are on target.

Also don't forget the state pension, this will supplement any personal pension plans or investments for retirement you already have.

Anyone can get their own state pension forecast by signing up here: • https://www.gov.uk/check-state-pension

Please contact us if you require assistance with your pension planning.

Have a good weekend!!

01/12/2017

3 Budget Highlights:

* First time buyers of residential
property outside Scotland will
pay no stamp duty land tax
on the first £300,000 of the
purchase price for a home,
provided its value does not
exceed £500,000.

* The personal allowance will
rise to £11,850 and the higher
rate tax threshold for the UK
(excluding non-savings, nondividend
income in Scotland)
will rise to £46,350 for
2018/19.

*The pension lifetime allowance
will be increased from £1
million to £1.03 million
from April 2018. There will
be no change to the annual
allowance.

Hope you all have a great weekend !

28/11/2017

That's 100 Likes reached in no time at all.
Thanks to all.
We aim to provide valuable and useful information to assist as many people as possible with financial decisions they may needs guidance on.
If there is anything specifically you would like us to produce information on please let us know and we will make it happen.
Expect a post every week on to keep you up to speed with current issues.

We are professional financial advisers, with a depth & breadth of knowledge & expertise to provide p

28/11/2017

Investment Market Update
October saw a continuation of the strength seen in stock markets over the year as the global economic environment remained supportive, particularly for risk assets. Equity markets continued to deliver positive returns and outperformed fixed income assets/bonds, with notable outperformance coming from Japanese and Asian equities. Fixed income returns were positive but much lower than equity returns over the month, across both government bonds and corporate bonds.

Markets continued to digest a supportive mix of broad economic growth and low inflation at the global level. Global inflationary trends remain subdued and we continue to be in an environment of non-inflationary growth – an attractive prospect for financial markets.

In the UK however, some evidence of growing inflationary pressure increased the likelihood of a November rate rise, leading to slightly higher bond yields and depressing UK fixed income returns generally. In Europe, monetary policy is beginning to diverge from the UK position slightly as the ECB announced an extension to its quantitative easing programme, albeit at lower levels of support.

The prospect of President Donald Trump's tax reform plans helped whet the appetite of US investors over the month. Although nothing has been announced formally, investors seem optimistic about the chances of favourable reform proposals and economic outlook generally. In Japan, Prime Minister Shinzo Abe's ruling coalition comfortably won another majority in a snap election, helping to boost investor sentiment in the country.

29/09/2017

http://www.bbc.co.uk/news/business-41412498

Three million people in defined benefit schemes have a 50/50 chance of promised payouts, a study says.

14/08/2017

A good article on what to consider when investing... It's not as simple as Passive vs Active...

http://www.marketwatch.com/story/forget-active-or-passive-investing-focus-on-this-instead-2017-08-08

The active vs. passive debate is flawed. Consider these other comparisons for better investment results.

13/07/2017

With regulation & legislation continuously changing, here is a good article on the benefit of taking financial advice.

https://www.moneymarketing.co.uk/advised-clients-40k-better-off-unadvised-study-finds/?cmpid=amalert_3659673&utm_medium=email&utm_source=newsletter&utm_campaign=mm_daily_news&adg=9A4714DA-89AD-48E6-868E-76C
FC2282133

A report into the value of financial advice has found that those seeking help from an IFA were better off by an average of around £40,000 compared to their unadvised peers. The findings from the International Longevity Centre think-tank show that the benefits of advice applied to both the ‘affluent…

27/06/2017

Moments that can make you think about life insurance:

Life insurance and critical illness cover are designed to help protect your loved ones’ financial future should the worst happen to you. But how do you decide when the time is right to take it out and which type is the best life cover for you?

As we go through life, our circumstances change and things happen that we may never have predicted – some good, some not so good. Here are 10 of the most common life moments that can make life cover a priority.

1. When you start a family

Why life cover? Baby sleeping on parent's chest
With children comes the moment we realise that others are wholly dependent on us. If one parent dies, the financial burden may fall entirely on the surviving parent. Life cover can alleviate this burden and help the loved ones left behind maintain the lifestyle they enjoy now. With term insurance, you can choose how long you want to cover your family for and how much will be paid out.

2. When you want the best for the kids

We all want the best for our children and want them do well in life. Taking out life cover can ensure they’ll have money and resources available to them even if you were no longer there to provide for them; maybe to go on to further education or get a foot on the housing ladder.

3. When you rely on two incomes

When we share our life with someone special it’s natural to worry about their future if we were no longer by their side. Many of us depend on two incomes or on one parent staying at home to look after the children every day. Life insurance can help the surviving partner cope financially, by helping to maintain the family’s lifestyle, pay for childcare, funeral costs and any outstanding debts.

4. When you buy a house

Why life cover? Young woman decorating her home
For most of us a new house comes with a mortgage. Could your family keep up with mortgage repayments and maintenance costs without you? Many mortgage providers require you to take out life insurance so that if you died during the mortgage term your policy would pay it off.

5. When you lose someone dear

Losing someone dear is not only upsetting it can also be a bit of a wake up call – a reminder of just how precious life is. Putting off life insurance may mean your loved ones struggling to cope financially if the worst happened to you unexpectedly. Taking out a life insurance policy sooner rather than later can be reassuring because you know a financial cushion will be there if needed.

6. When illness is a worry

According to Cancer Research UK 1 in 2 people in the UK will develop some form of cancer in their lifetime. It’s easy to assume serious illness won’t affect us, but when someone close to us falls ill we see the impact it can have. Critical illness insurance pays out if you’re diagnosed with one of a series of serious medical conditions, to help you cope financially. Critical illness cover can be included with life cover or bought on its own.

7. When your parents need you

As parents get older, it’s often our turn to support them physically and financially, particularly if they get by on a small pension or have little saved. In this situation, how would they cope if they outlived us? Naming parents as the beneficiaries of a policy means if you did die a level of financial support would still be there for them.

8. When there’s a family history of illness

Why Life cover? Mature man in hammock using a tablet
Having a pre-existing medical condition or a family history of illness doesn’t necessarily mean life insurance is not an option. What it’s likely to mean is the cost is higher and cover for any existing illnesses may not be available. With critical illness insurance it’s important to check exactly what illnesses are and are not covered.

9. When getting divorced

Divorce doesn’t necessarily mean the end to the financial commitments held as a married couple, such as the mortgage, car and credit card bills. This is why many divorced couples take out a policy on the person responsible for paying child support in case they die. Term life insurance provides cover for a specific period of time such as until the children become independent.

10. When becoming a grandparent

Becoming a grandparent is a very special moment and grandchildren have a special place in our hearts. Many people take out over 50 life insurance, in order to leave a cash gift as a legacy to their family after they’re gone.