Spotlight Interview with Jonathan Pace
Jonathan joins our Luxembourg team from an engineering and corporate development background with an MBA in finance and specialises in helping clients achieve financial independence through Lifestyle Financial Planning. Outside of work Jonathan sits on the Board of a Luxembourg NGO that raises funds for children in Johannesburg with life-limiting and life-threatening illnesses; their current …
Got million dollar money habits?
What is it that rich people do that makes them wealthy? Popular thinking would appear to indicate that they have a different mentality. But is that pure genetics, or is it possible to learn some of the behaviours and processes that make the rich, rich?! In Tom Cory’s collection of books such as Rich Habits, and …
Being a financial adviser and planner in 2019
At United Advisers Group we don’t like standing still. The industry is changing rapidly, as are the needs of our clients. In this article we talk about the changing investment landscape, what we’re doing to respond, and the key steps we’re taking to improve the service we deliver. Changing demographics and the impact on advice …
Don’t miss out on your inheritance
The latest HM Revenue & Customs (HMRC) figures show that over 24,000 estates in the UK pay inheritance tax each year and, with many estates not taking advantage of the Residence Nil Rate Band (RNRB) introduced in April 2017, the UK government collected £1.9 billion in Inheritance Tax (IHT) in the first four months of …
How a financial planner is different from a financial adviser
Traditionally, financial advisers concentrate on selling you a financial product to fix a ‘problem’, rather than focusing on financial planning. Financial planning is a service revolving around YOU, not your money. When it comes to considering future financial goals, most people don’t want to be sold a product. Instead, they want someone to understand them …
Has your current adviser ever asked you these 7 essential questions?
Traditionally, Financial Advisers concentrate on selling you a financial product to fix a ‘problem’, rather than tackling proper financial planning focusing on the most important thing; you. People value a service that relates their goals and dreams; their ‘life plan’. They want clarity about what their financial future looks like, rather than being sold a …
Are you spending it like you stole it?
Turn on the TV; you can’t avoid the adverts. Open a newspaper or a magazine, and you’re hit full in the face by expansive, full-colour montages selling you the dream – showing precisely what you need to buy to make you desirable, to make you exceptional; to make you and your life perfect. Watch YouTube? …
What the rich teach their kids
I recently re-read Rich Dad Poor Dad by Robert T.Kiyosaki and wanted to share the key financial lessons with you. This book is all about transforming your income so that your money works for you, rather than you having to work for your money, a subject I am obviously very passionate about! This semi-autobiography shares Kiyosaki’s financial …
Should I transfer my pension as an expat?
Expats often ask us whether they should transfer their pensions from their current UK schemes to an international scheme with a potentially more advantageous structure, like a Qualified Recognised Overseas Pension Scheme (QROPS) or Self Invested Personal Pension Scheme (SIPPS). When we talk to them we also hear a fair amount of confusion about what …
7 questions for your financial adviser
We live in a society where the client is king and you have the power to make decisions about what you need and who you want to provide it. That said, many people take far longer deciding what to buy during their weekly shop, or on organising a holiday than they do planning their future. …