Lamb & Associates Independent Financial Planning Ltd

01661 860438           enquiries@lambandassociates.co.uk

Unit 1 Meadowfield Court, Ponteland, Newcastle-upon-Tyne NE20 9SD

Lamb and Associates Independent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. FCA number 782092. Financial Services Register number 624597.

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In my experience, most people do not wake up one morning and think ‘Oh, I really need to see a financial adviser”.

They may have concerns about the returns they are getting from their money or be worried if their pension will be enough for when they retire. Unfortunatel...

How do you know if you have a good financial adviser? What should you look for? I may not be the right person to answer these questions, because I’m sat on the other side of the fence, but, using over 30 years of experience, I can tell you what works best.

Qualification...

Financial advice can be very expensive, for example it is very common for somebody investing £100,000 to be charged £3,000 for probably less than 10 hours work and £1000 pa on top of product charges.

I don’t have anything against people getting well paid for doing a goo...

Over the last few weeks I have been writing about the state of financial services, particularly about high charges, no guarantee of performance and why ongoing financial planning should provide better value than advice/selling especially if the ‘adviser’ depends upon s...

Part 2: The Smoke Screen of Inflation

In Part 1: What’s the Problem? I highlighted the effects of deductions on investment returns. 

In this blog, we’ll look at the effects of inflation, identify the real returns on your investments and answer the above question.

Prepare...

Part 1: What’s the Problem?

In theory, investing should be quite simple.  On one side there are investors who need to put their money somewhere whilst they are not spending it and need to gain a return to avoid capital erosion from inflation or achieve higher growth rat...

Why do we invest money?

Usually because we need to put it somewhere whilst we are not spending it, but whilst we are not spending it, the real value of our money is being eroded by inflation. A return to minimise this threat over the longer term is required and therefor...

Some years ago, a solicitor asked me to meet with their client who was concerned that he had been given poor financial advice. It turned out that he had been sold three mortgage endowments by three different advisers. I was happy to help and gave him an estimate for ou...

About seven years ago, I attended a meeting with 20 other financial advisers from around the UK.

Of the 20, my firm was the only one charging on a time cost basis. Everyone else relied on a percentage of the amount invested for their remuneration. The consensus was that...

It has been an interesting few weeks reading about how much money Neil Woodford has lost over the last few years, but the thing is, he hasn’t. His investors have lost money, he has made millions!

In 2018, his Equity Income fund returned -16.5%, and in the year before ac...