True lifelong financial planning for the serious business of life.
True lifelong financial planning
for the serious business of life.
True lifelong financial planning for the serious business of life.
True lifelong financial planning
for the serious business of life.
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American economist Harry Markowitz famously said, “Diversification is the only free lunch in investing.” Portfolio diversification refers to the process of allocating your investments across a range of asset classes, regions, or sectors. The “free lunch” comes from the protection and growth potential offered by this approach. Market performance is notoriously difficult to predict due […]
Category: Financial Planning
Ensuring your estate is sufficient to support your beneficiaries after you die is likely a key component of your financial plan. Regularly reviewing and updating your estate plan helps ensure it aligns with your current wishes, assets, and any tax reforms. The Labour government’s Autumn Budget introduced significant Inheritance Tax (IHT) reforms, including: Freezing the […]
Category: Financial Planning
I wanted to let you know that Clarion Wealth Planning is entering a period of transition, beginning with my decision to sell a portion of my shares in the company. As a founding member of the Institute of Financial Planning – now part of the Chartered Institute for Securities & Investment (CISI) – I founded […]
Category: Financial Planning
The Clarion Investment Committee met on 23 October 2024. The following notes summarise the main points of consideration in the Investment Committee discussions but have been updated to include commentary on recent events and the wider implications for financial markets. Economic, Political and Business Snapshot Economics The US economy added 254,000 jobs in September and […]
Category: Financial Planning
“I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” Jimmy Dean 1928-2010 American singer, television host, actor, and businessman Economic Update According to the latest Deloitte survey of UK chief financial officers (CFOs), optimism among the UK’s largest businesses edged lower in the third quarter […]
Category: Financial Planning
After years of hard work and saving, it can be incredibly frustrating to realise you’ve lost a pension pot. While you may believe this wouldn’t happen to you, it is easier to lose a pot than you might think, and you may even have lost one without realising. It is common to lose track of […]
Category: Financial Planning
Death should be a time for loved ones to come together, mourn, and remember a life well lived. But sadly, many families find themselves entangled in bitter inheritance disputes after a loss, with disagreements over wills becoming increasingly common. A study reported in the Guardian found that approximately 10,000 people in England and Wales challenge wills […]
Category: Financial Planning
Almost four months after Labour won the general election, chancellor Rachel Reeves has delivered her 2024 Autumn Budget, outlining the government’s plans for this tax year and beyond. Arguing that the July general election had given Labour a “mandate to restore stability and start a decade of renewal”, Reeves described it as “a Budget to […]
Category: Financial Planning
The Clarion Investment Committee met on 12 September 2024. The following notes summarise the main points of consideration in the Investment Committee discussions but have been updated to include commentary on recent events and the wider implications for financial markets. Economic, Political and Business Snapshot Economics The US Federal Reserve lowered its benchmark interest rate […]
Category: Financial Planning, Investment management