Savings – How much is enough?


By Andy Hearne FPFS

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Recently, I’ve had numerous conversations with clients about the amount of money that they hold in Banks, Building Societies and National Savings. We all need to hold some money in instant-access savings, either for unforeseen emergencies, anticipated upcoming expenses or to help cover an income-shortfall, but with interest rates averaging 1.00% pa, (a figure well below inflation at around 2.50% pa) money held in the bank is actually reducing in value each year in real terms.

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Why does longevity matter?

By Andy Hearne FPFS

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We often read about the fact that people are living longer. According to the Office of National Statistics, on average, people aged 55 today will live to their mid-to-late 80s. In addition, around 1 in 10 men and 1 in 5 women this age will reach the age of 100. Being informed about how much longer you potentially have to live is no bad thing, especially when it comes to Financial Planning.

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What not to do in a Market Crash

By Andy Hearne FPFS

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Some of our clients have recently enquired about the potential risks of a market crash and also about the impact of Brexit in particular, not to suggest that these necessarily go hand in hand. In this article, my aim is to dispel the myths, cut through the media noise and focus on the tried and tested fundamentals of successful, long-term investing, whether it be through standalone investments or pensions.

Timing the market
When looking back at past performance data, it is very easy for anyone to see when the right time to buy and/or sell would have been. If investing were that easy, we’d all be Millionaires. However, looking forward, our Crystal Ball is as cloudy as yours (or anyone else’s for that matter). This does not mean that we do not anticipate that a crash may happen at some point. In fact, history shows us that it will. We just don’t know exactly when it will happen, to what extent it will happen, nor for how long. There-in lies the first problem with trying to time the market… Timing.

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Planning for Retirement

Planning for Retirement - 28.08.2018

By Andy Hearne FPFS

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We all have ideas about what retirement looks like. For some, it’s about good walks at National Trust sites or Afternoon Teas with friends on the Thames, for others it’s about ticking things off the Bucket List and taking that cruise or maybe seeing the world via Business Class. Perhaps for you it’s about giving something back to society with some charity work or possibly even buying that Aston or Bentley! For most, it’s simply about more time with those who matter.

Whatever your plans are, saving for retirement is one of our greatest financial goals and, besides your home, your pension savings are likely to be your largest and longest-term financial asset. With this in mind, it’s never too early or too late to get serious about retirement planning. There’s a wide range of important considerations and my aim here is to explore a few of the key points.

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Life’s Too Short: The Video


We recently reached a big milestone at the Financial Planning Partners Ltd – our 30th birthday.

A lot has changed since our entry into the financial world as a fledgling IFA firm. We’re now Chartered and have a dedicated in-house team delivering the gold standard in financial advice to our clients decade after decade.

FPP are specialists in making your money last, and delivering on the dream – be this to retire early, or buy that house abroad you’ve always wanted.

We’ve produced a corporate video interviewing some of our clients, telling their story and detailing our company philosophy. Watch it below.

Because life really is too short…

Professional Adviser Features the Financial Planning Partners

Our very own Patrick Waller was featured in Professional Adviser recently. The publication asked for his views on platforms – and you can read the piece in its entirety here.

Key Points

For many advisers platforms are a staple feature, allowing clients to observe their investments in one place. However, based on the cost of platforms Patrick doesn’t believe them to be the best use of client money.

The piece goes on to give an example with associated costs and question the acute benefit for the client.

Watch This Space

Watch out on Professional Adviser for more features by the company.

Follow us on LinkedIn and connect with Patrick on the platform.

Professional Adviser Feature - Patrick Waller .

Interest Rates Stay at Record Low

British PoundsThe BBC has released information today about UK interest rates – and they are to remain at their record low of 0.5%.

The BBC says:

“The decision by the Bank’s Monetary Policy Committee (MPC) comes more than six years after the record low was introduced. 

The half-dozen years of ultra-low interest rates have cut savings’ returns, while mortgage borrowers have benefited from lower repayments.

Ultra-low inflation, which turned negative in April at -0.1%, has put on hold expectations about the Bank raising rates in 2015.”

Read the full story here. Panama . Brinbestsappkepin

The Myth of Pound Cost Averaging

Below is an excerpt from FPP Director, Patrick Waller’s book: “Life’s Too Short Not To Do Crazy Stuff” about the myth of pound cost averaging. Click here to request a copy.


The Myth of Pound Cost Averaging

“This is an old chestnut that often appears in those money makeovers you see in the newspapers or the financial advice columns in the press, often by so-called experts. Sacrilege I hear you cry! Pound cost averaging; the saviour of the regular saver. Nope.


Pound cost averaging works, but only in a narrow range of circumstances. It is, in general, irrelevant – and here’s why.

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