In the know

In this episode, Ian Robinson and Shaun Braybrook discuss the role cash plays within client portfolios and the considerations to note.  Their conversation centres around several important themes, with the key talking points being: why you should hold cash; the appropriate level of cash to hold; whether cash is king; considerations; if investments could be more suitable in the long-term;  alternatives to cash; and the importance of ongoing reviews. Important information   The contents of this podcast do not constitute financial advice.  Please not that cash-like investments such as guilts, bonds and the Brooks Macdonald Liquid Reserve Portfolio Service do come with an element of risk and should not be treated in the same way as cash. The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. This podcast constitutes a financial promotion. Lucas Fettes and Partners (Financial Services) Limited (“Lucas Fettes Financial Planning”) is authorised and regulated by the Financial Conduct Authority. FCA number 146279. Lucas Fettes Financial Planning is registered in England and Wales. Registered Number: 00991377. VAT Registration Number 303 0535 58. Registered address: 21 Lombard Street, London, EC3V 9AH Lucas Fettes Financial Planning is a member of the Brooks Macdonald group of companies. More information about the Brooks Macdonald Group can be found at www.brooksmacdonald.com

In this episode, Neil Clarke and Shaun Braybrook discuss the tax-related changes announced by Labour in the Autumn Budget.  Their conversation centres around the announcements made by the Chancellor, Rachel Reeves, as well as the financial planning implications of these. It also includes references to their predictions from episode 45, which you may wish to listen to first.  The key talking points include: Capital Gains Tax; Inheritance Tax; Pensions; and Business Relief and Agricultural Relief. Important information The contents of this podcast do not constitute financial advice. Acting on speculation by making changes to your financial planning arrangements could very well be the wrong thing to do, as the rumours may prove to be totally without any foundation. This has been prepared based on our current understanding of UK Law, Taxation and HMRC practice, all of which could be subject to change in future. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

In this episode, Neil Clarke and Shaun Braybrook discuss the rumours they have heard ahead of the Budget and the likelihood of Labour making specific tax-related changes. They discuss: pension tax-free lump sums; tax relief on pension contributions; how pensions are treated for Inheritance Tax purposes; the introduction of a 'Wealth Tax'; altering Capital Gains Tax; increasing the rate of Inheritance Tax for the largest estates; Business Relief; and changes to ISAs. Important information The contents of this podcast do not constitute financial advice. Acting on speculation by making changes to your financial planning arrangements could very well be the wrong thing to do, as the rumours may prove to be totally without any foundation. This has been prepared based on our current understanding of UK Law, Taxation and HMRC practice, all of which could be subject to change in future. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

In this episode, Nathan Munt and Emma Hannon reveal what you can expect from your first financial planning meeting and how to prepare. Within their conversation, they cover: the purpose of this first financial planning meeting; how and what to prepare; questions you could ask; why you should be open to conversations on more than your finances; and the importance of ensuring the financial planner is the right fit. Important information The contents of this podcast do not constitute financial advice. The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. This podcast constitutes a financial promotion. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

In this episode, Nathan Munt and Emma Hannon discuss some of the things you must consider when seeking a financial planner to assist you. Within their conversation, they cover: the difference between financial guidance and advice; what to look out for when finding a financial planner to work with;  the difference between a financial planner, financial adviser and wealth manager; and considering your own preferences. Whether you are considering financial advice for the first time, or are looking for a new professional to help you achieve your objectives, this episode is for you. Important information The contents of this podcast do not constitute financial advice. The impact of taxation (and any tax relief) depends on individual circumstances. This has been prepared based on our current understanding of UK Law, Taxation and HMRC practice, all of which could be subject to change in future. The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. This podcast constitutes a financial promotion. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

In this episode, Neil Clarke discusses the current and future state of the financial markets with Henrietta Walker. The key topics include: - interest rates in the US vs the UK; - inflation; - the current appeal of fixed interest options; and - opportunities in the equity markets. Henrietta is Head of the Investment Specialist Team at Brooks Macdonald, who are one of our trusted investment panel. To find out more about Brooks Macdonald, please visit their ⁠website⁠. Visit our website for more content: ⁠https://lffinancialplanning.co.uk/⁠ Important information The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

In this episode, Josh Cushion and Paul Thurston discuss the changes to pension rules which came into effect from April 2024 and how this could impact you. Within their conversation, they cover: the removal of the Lifetime Allowance; the new Lump Sum Allowance and Lump Sum Death Benefit Allowance; how both allowances are tested;  who may need to apply for a Transitional Tax-Free Amount Certificate; and what you may need to consider after these changes to pension rules. Visit our website for more content: ⁠⁠⁠⁠https://lffinancialplanning.co.uk/⁠⁠⁠ Important information The contents of this podcast do not constitute financial advice. The impact of taxation (and any tax relief) depends on individual circumstances. This has been prepared based on our current understanding of UK Law, Taxation and HMRC practice, all of which could be subject to change in future. The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. This podcast constitutes a financial promotion. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

In this episode, Neil Clarke and Shaun Braybrook discuss the retirement planning considerations that you must take into account to live the life you wish to once you retire. Within their conversation, they cover: why the State Pension is unlikely to be enough; why you may need to plan for a longer retirement than you think; why your retirement plan is unique to you and must include lifestyle considerations; and why early planning is best practice. Visit our website for more content: ⁠⁠⁠⁠https://lffinancialplanning.co.uk/⁠⁠⁠ Important information The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

In this episode, Ian Robinson talks through some of the topical financial news stories from the month. The stories discussed in this episode include: mortgage lenders beginning to reduce rates; the postmasters scandal; potential changes to Inheritance Tax; and optimism in the financial markets. This episode is hosted by Josh Cushion. Visit our website for more content: ⁠⁠⁠https://lffinancialplanning.co.uk/⁠⁠ Important information The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Join Director and Independent Financial Planner, Neil Clarke, as he discusses the current and future state of the financial markets with Ed Park. The key topics include: – Inflationary drivers;– Interest rates; – The likelihood of a recession; and– Why investors must consider the long-term. Ed is Chief Investment Officer at Brooks MacDonald, who are one of our trusted investment panel. To find out more about Brooks Macdonald, please visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ Important information The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.