Research suggests a wealth exodus may be taking place due to higher taxes under the Labour government

Tax hikes push wealthy individuals to exit the UK – what are the risks of relocating?

Brokers and conveyancers have warned consumers that ‘free legals’ may not always be the best option in the Cost of Living crisis, though.

Mortgage holders face £50 charge for ‘every request’ they make to solicitors

Free legals appear tempting to many but can come with hidden consequences, warn experts

Warning over ‘hidden last minute fees’ as homeowners rush for ‘free legals’

Brits are skipping life insurance despite rising costs due to some surprising reasons, according to financial and legal experts.

Advisors reveal bizarre reasons clients don’t take out life insurance - Freelance Informer

A psychic medium telling a client they will live into their 80s and needing to pay for pet insurance are some of the reasons given by clients for not taking out protection cover.

Psychic mediums, Sky TV and cats: why clients reject protection cover

“The Government will pay the mortgage” & “smoking is not bad for you”, are among the strangest reasons why borrowers have refused life cover.

Brokers share most bizarre reasons why borrowers refuse life cover - The Intermediary - Latest UK mortgage news

If you want to find the most useful skills, read on…

What skills does a good broker need?

EXCLUSIVE: A recession rests on a coin toss, with confidence of a 15-year low, a leading business author says.

‘The worst is yet to come’ as UK economy shrinks and services lead fall in GDP

Brokers have reported seeing substantial increases in interest in limited company buy to let from their landlord clients, and have highlighted the importance of working with tax firms who can support clients in shifting properly.

‘Huge increase’ in demand for limited company BTL seen by brokers ‒ analysis - Mortgage Solutions

Fragile client confidence and elevated borrowing costs were often cited as reasons for weaker sales.

Construction output continues to decline in October

Brokers have suggested that schemes like the shared ownership programme can prove effective in helping more first-time buyers onto the ladder, and prevent homeownership becoming an elite privilege.

How to stop homeownership becoming an ‘elite privilege’‒ broker analysis

Financial services have almost unanimously urged the Bank of England to leave rates on hold at tomorrow’s MPC meeting, and most are expecting it to do exactly that.

Financial services and property experts urge Bank of England to leave rates on hold

Analysts are almost unanimously urging the Bank of England to leave rates on hold at 5.25 percent this month, considering a month-on-month easing of core inflation.

Interest rates LIVE: Andrew Bailey urged to hold off Bank of England hikes

Some brokers warned that borrowers with health issue could be prevented from getting on the property ladder.

Should protection be mandatory for mortgage holders? - brokers react

EXCLUSIVE: The Conservative Party needs to get back to what it used to do and cut business taxes, a businessman has said.

Hunt urged to slash business tax as threat of Truss-backed Tory rebellion grows

EXCLUSIVE: Businesses warn they are drowning in paperwork but have rejected the idea of rejoining the EU after Brexit.

British businesses back Brexit as they warn rejoining EU is a ‘joke’

Free UK news agency, Newspage, sought the views of financial services experts and business owners on whether Liz Truss’s headline policy of ultra-low corporation tax rates, like Ireland, could have benefitted the UK if the execution had been better.

“Trussonomics wasn’t entirely bonkers after all” - experts share their views

Brokers discuss the future of the base rate

When will interest rates go down?

Forget rowing over custody of the children, or family dog - now the fiercest arguments are over the home loan

The latest row among divorcing couples: who keeps the low rate mortgage

Wealth managers said many are turning to gifting or donating to avoid having to pay the tax

Inheritance tax receipts grow to £597 million amid frozen thresholds

The triple lock may not be sustainable as state pension payments could become too much for the Government to pay, experts have exclusively told Express.co.uk.

State pension warning as triple lock slammed as ‘daft policy’

Telegraph Money explains the grounds for making a claim, and how you go about it

How to contest a will (and get the inheritance you deserve)

Financial Reporter asked industry experts for their views on the figures.

Sexual harassment claims in financial services more than triple in past year

Demand for 100 per cent mortgages could be very high among first-time buyers but there are concerns around credit quality and negative equity

Return of the 100 per cent LTV mortgage a blessing, not a curse, for FTBs

Brokers, lawyers and IFAs have warned customers of “ambulance-chasing” companies promising sizeable stamp duty refunds on a no-win no-fee basis.

Customers warned of ‘ambulance-chasing’ firms promising stamp duty refunds

The International Monetary Fund has said that “recent increases in real interest rates are likely to be temporary

Interest rates to return to pre-pandemic levels when inflation is tamed: IMF

The IMF’s World Economic Outlook says rates are likely to head back to the historic lows if the country gets on top of inflation.

Interest rates to return to low levels once inflation calms, IMF

The financial services industry is responsible for the lack of trust it enjoys from clients, compared with the likes of Martin Lewis, brokers have suggested.

Public’s trust in Martin Lewis ‘an opportunity’ for advisers ‒ analysis

Advisers expect interest in small self-administered pension schemes to boom among business owners following last week’s Spring Budget.

IFAs expect Ssas interest to boom following Spring Budget

A number of brokers have expressed their frustrations about being unable to service a client while on holiday overseas.

Brokers frustrated at advice restrictions when overseas

Brokers discussed what rate decision they believe the Bank of England will make.

Will the latest GDP data influence next week’s rate rise decision?

More firms follow up contract disputes to claw back funds when times get tough, they say, while others will more quickly resort to litigation

More small businesses are taking up legal cases amid economic downturn, lawyers say

Latest GDP report shows that UK economy flatlined in final quarter of last year, while Russia is to cut oil production over Western price caps

UK ‘not out of the woods yet’ after economy dodges recession by a whisker

Monday of this week was apparently ‘Divorce Day’, the most popular day of the year for people to start divorce proceedings. Three days on, we asked six divo

Is Divorce Day really a thing? Six divorce lawyers respond three days later

Grieving families are facing further investigation by the authorities into any suspected unpaid inheritance tax.

HMRC takes record income from death tax raids on grieving families

Some mortgage brokers predict an exodus, while others believe next year could be an opportunity for savvy and cash rich landlords.

What will happen to buy-to-let in 2023?

Brokers have called for a rethink around risk by lenders when it comes to the employed versus the self-employed.

Brokers urge lenders to rethink self-employed risk

Experts remind firms to focus on preventative support when establishing benefits packages as report exposes the impact of mental ill health on economy

Two thirds of economically inactive people with long-term illness report mental health problems, data finds

One London charity has seen demand for support and refuge spaces and support soar by 38 per cent in recent months

Charity says it’s already seen cost of living crisis cause domestic violence surge

Mortgage rates in the US have tumbled, according to Freddie Mac. Could the UK be about to follow its transatlantic cousin?

US mortgage rates tumble – view from across the pond

Ahead of the Autumn Statement later, advisers have shared their views on inheritance tax (IHT) planning

IHT freeze: Advisers say mitigation is 'all in the planning'

As we digest the latest ONS inflation data published this morning, which showed UK inflation coming in at 11.1% for the twelve months to October - and which ha

11.1% inflation figure makes ‘grim but unsurprising reading’

UK inflation has hit a new high of 11.1%, a level not seen since October 1981, and markets are reacting strongly.

UK inflation hits new high: how are the markets reacting?

Brokers want to see no “nasty surprises” in tomorrow’s Autumn Statement that could cause further turmoil in the mortgage market.

Brokers urge Hunt to ‘stay away’ from mortgage market ahead of Autumn Statement

Below, a number of finance and property experts comment on the Halifax October House Price Index , which was published this morning: Jon Halbert, mortgage

Halifax October HPI: experts say the property market is not facing headwinds “but a hurricane”

A poll of mortgage brokers and estate agents from Newspage found that 58% expect house prices to fall by up to 10%.

Majority of brokers predict a house price fall of 10% or less - Poll

Mortgage buyers can get ‘significant savings’ despite high interest rates, an expert has said.

Save £160 a month on mortgage repayments with expert tip

Following the impact of today’s political announcement on borrowers and savers, a selection of IFA and Brokers have commented. Samuel Mather-Holgate of Sw

Mini-Budget U-turn: “The age of the saver may be back.” - reaction from brokers and IFAs

With the chaos triggered by the mini-Budget, and mortgage rates continuing to rise, Riz Malik of R3 Mortgages called for the Chancellor to quit live on Sky News yesterday.

Should the Chancellor go? - brokers react

As annuity rates hit a 14-year high, people approaching retirement should seriously consider taking guaranteed income as an option ,advisers have said.

Annuity is an option everyone should consider', say IFAs

With annuity rates rising sharply in recent weeks, IFAs on Newspage, the free PR platform, have been responding to the question as to whether annuities are some

As annuity rates reach 13-year highs, IFAs deliver their verdict on whether people approaching retirement should take them out

As we digest the release of the ONS labour market data published this morning, the following comments give some interesting insight into the real temperature

UK labour market data: “We are seeing an increase in enquiries from people who have been dismissed” - reaction

Just 3.5% of UK adults were unemployed in August 2022, down from 3.6% in July, the latest figures from the Office for National Statistics (ONS) show.

Unemployment hits 47-year low - ONS

Industry experts have suggested that lifestyling approaches may need to evolve in light of the impact of recent market volatility, with industry analysis revealing that the average annuity-hedging fund has fallen by 38 per cent so far in 2022

Market volatility prompts concerns over pension lifestyling funds

Worries about interest rate volatility following Chancellor Kwarteng’s (not so) mini-budget, as well as rising rates and the huge turbulence and concerns in th

Do we need to rethink the risk around asset classes & the ‘lifestyling’ in pensions? verdict from IFAs after a turbulent two weeks

Some experts predict that divorces will rise even further as applications surpass 33,200 between April and June - the highest level in 10 years.

Cost of living crisis set to push divorces up even as numbers hit decade high

New figures from the Ministry of Justice, published today, revealed that between April and June this year there were more than 33,500 divorce applications.

Divorce applications soar to highest level in a decade

PM Liz Truss and Chancellor Kwasi Kwarteng are being castigated after their mini-budget which saw sterling fall to just $1.03 yesterday, with the Bank of England likely to hike interest rates

Britain being run by ‘dunces’ after Truss and Kwasi’s ‘s***show’ mini-budget

The news that the Pound has hit a record low this morning against the greenback, and is moving every closer to parity, has sent shockwaves in the City, Markets and beyond. Here’s…

Pound crash: Emergency rate hikes and UK company becoming takeover targets

In response to concerns about the impact of Chancellor Kwarteng’s latest plans for tax cuts, in Asian trading overnight, Sterling hit a record low his morning

Sterling slump: “A Government and central bank pulling in opposite directions is the stuff of a banana republic” - advisers and mortgage experts reaction

Industry reaction: ‘This budget is fiscally reckless’ it is ‘Trussmoronics not Trussonomics’ which is ‘too little, too late’ ...

Industry reaction: ‘This budget is fiscally reckless’

UK SME’s have been very dismissive of Kwasi Kwarteng emergency mini budget, with some branding it as “Trussmoronics not Trussonomics”.

Business reaction of mini-budget slams ‘irresponsible’ Kwarteng

This morning’s statement from Chancellor Kwasi Kwarteng has certainly got plenty for IFAs to consider as he revealed the Government’s plan for economic growth

Mini-Budget - “Trussmoronics not Trussonomics” - reaction from advisers, property experts and mortgage brokers

Chancellor says move will attract top talent to the City and boost tax revenue

Bankers’ bonus cap scrapped by Kwasi Kwarteng in mini-budget

The package of measures announced by prime minister to support UK households with their energy bills this winter is a short term policy which will result in long term pain IFAs have said

Energy bill support package not long-term thinking, advisers say

The new Prime Minister unveiled plans to limit energy bills from rising above £2,500 a year for most Brits. But there are plenty of nasty details hidden in the small print

12 problems in small print of Liz Truss’s plan to cap energy bills this winter

MANY of us are being forced to cut back because of the cost-of-living crisis, but the danger of slashing to save is that you could make a costly mistake. Cutting monthly payments into a pension or …

Seven things you must NOT cancel if you’re short of money

Property professionals and commentators have begun pondering an official definition of a house price crash.

Property market aims to define a housing crash

The UK saw prices rise by the steepest gradient in 40 years last month as concerns grow about the worsening cost of living crisis

Inflation jumps to record-breaking 10.1%

Following the UK House Price Index (June 2022), property experts have reacted. Ryan Joyce, director of Nottingham-based independent mortgage broker, Key Mortg

UK HPI June 2022 - “we could see a 5%-10% fall in house prices over the course of the next year” - reaction from property experts

The total number of customers in arrears with their mortgages continued to fall in the second quarter of 2022, according to new data from UK Finance.

Mortgage arrears continue to fall in Q2 but cost of living pressures emerging: UK Finance

With the Bank of England describing a recession as ‘inevitable’, here are 10 canny ways to improve your business budget in an economic downturn.

10 Budgeting Tips to Survive a Recession - Startups.co.uk

Morning rush-hour traffic congestion in London, Birmingham and Manchester was down on the same time last week as many people decided not to travel into the office.

UK rail strike: Stations sit empty as Britons choose to work from home

This morning the latest monthly ONS economy stats were released, highlighting a Gross domestic product (GDP) growth of 0.5% in May 2022, after a decline of 0.2%

ONS GDP data (May) - reaction from Govt high street and financial services experts

The cost-of-living crisis has put mortgage affordability under strain, and many brokers agree that the Financial Conduct Authority (FCA) has been correct in flagging equity release as a product that may be 'inappropriately' sold to some borrowers.

Brokers fear coming financial storm may result in equity release ‘misuse’

CAMPAIGNERS demanding a fresh deal for older citizens have called for a £200 a week minimum state pension.

‘All retirees deserve a guaranteed pension of at least £200 a week’ New campaigner demands

Following today’s Bank of England Money & Credit report (May) issued this morning, mortgage brokers comment on the data and reveal that they’re still fi

BoE mortgage approvals - “People who have been procrastinating are very proactive” - reaction from brokers

Find out why property experts say they are no longer accurate

UK house prices – government reveals latest data

Earlier today the Bank of England (BoE) announced a base rate increase of 25 basis points to 1.25%, in a move described as a “missed an open goal”. The increase marks the fifth base rate rise since December 2021 after a decade of historic lows. Commenting on the rise, Shaw Financial Services founder…

Base rate rises to 1.25%: Industry reaction

Find out what happened in the vital move, just moments ago…

Bank of England issues latest rate announcement

Ahead of the Bank of England’s interest rate decision tomorrow, we asked brokers, wealth managers and financial planners for their views on whether Bank Rate s

“Further rate rises will push more and more people into financial crisis”

Britons take up of Isas has fallen year on year with both adult and junior Isas witnessing a decline according to figures from HM Revenue Customs

Cash Isa take-up slumps amid cost of living crisis

Diary news, commentary, insights, appointments and arts from the legal world for week ending June 3 2022 SHORT THOUGHT FOR THE DAY: ROYAL COURTS Without me you’d all be out of a job Are the Queen’s Counsel taking today off, feet up, slippers on and enjoying a glass of fizz. And what about the reside…

Edward Fennell’s LEGAL DIARY - The Legal Diary

The well-known personal finance guru Martin Lewis warned last week that mortgages are a “ticking time bomb” for homeowners, as he said Brits should lock

Angry brokers fiercely reject Martin Lewis’ warning that mortgages are ‘a ticking time bomb’

More than 80 per cent of people who worked remotely during the pandemic say they plan to continue with hybrid arrangements

Still working from home? You’re probably middle-aged and wealthy

As the cost of living rises by 9% we look how it stands to affect mortgages, savings, pensions and investments

What happens if inflation remains high?

This afternoon, Bank of England governor, Andrew Bailey, and select colleagues are due to be "grilled" by MPs about soaring inflation.

Is the Bank of England to blame for soaring inflation?

This afternoon, Bank of England governor, Andrew Bailey, and select colleagues, are due to be “grilled” by MPs about soaring inflation. Ahead of the anticipated

Bank of England “being used as a scapegoat” ahead of MP “grilling”, say investment and finance experts

Take-up of shared parental leave has been slow, but some men are putting their wives’ careers first.

‘I became a full-time dad for my wife’s career’

<p> Families are being advised to get their financial affairs in order and brace for an increase in tax bills following the revelation the UK&rsquo;s tax authority set up a secret unit to probe family investment companies, specifically their use by the wealthy to avoid inheritance tax.</p>

Increases in tax burden predicted as UK tax man targets family offices

AN ex-wife has won her mother-in-law’s £840,000 estate after a battle with her ex-husband’s widow over what “wife” means. Maya Gocheva-Ash, 42, was slammed with a £50,000 bill after losing a…

Ex wins mum-in-law’s £840k estate against husband’s widow after ‘wife’ battle

THREE women were rewarded for their work as graduates.

Huddersfield Association of Women Graduates commend postgraduate achievements

The High Court heard the widow’s late mother-in-law called her son’s second wife ‘that bloody woman’ and much preferred his pensioner ex - who she named in her will

Widow loses battle with husband’s first wife over mother-in-law’s £840,000 will

Each member of the Social Mobility Advocates has had a non-traditional path to the Bar, coming from working-class or low-income households, attending a state school and non-Oxbridge universities, and working to fund their education and training. None

The Bar Council Promotes Barristers Championing Social Mobility

The court heard on June 22 how the widow’s late mother-in-law referred to her as ‘that bloody woman’ and how she much preferred her son’s first wife - who she named in her £840,000 will.

Widow loses legal battle with husband’s first wife over mother-in-law’s will

Maya Gocheva-Ash, 42, will pay £50,000 in legal fees after losing a court battle with her late husband’s ex-wife, Cindy Ash, of Harpenden, - who claimed her share of an £840,000 estate.

Widow loses to love rival 30 years her senior over late husband’s will

To make a real difference to the diversity of the profession we need to start our social mobility schemes much earlier, says Tahina Akther

Are we missing the mark on social mobility?

As a Chartered Wealth Manager I have enjoyed a varied career working with some of the largest brands in the UK financial advice industry.
Not your typical financial services type!
A specialist working with the legal sector.
The non-lawyer co-owner of a boutique national law firm.
A career coach and mentor I have had the privilege of working with a number of very successful employed and self-employed individuals. My skillset is in identifying skills in others and helping them to use these for success.
I'm a family man and this motivates everything I do and love working with like minded individuals. Work should never come at the cost of family, life is too short! 
I am a passionate believer in flexible working and the benefits that can bring, especially in enabling working parents balance successful careers and family life. 

Over the years I have worked with those up to and including board level. I have seen what works and doesn't work for businesses ranging in size from one person self-employed practices to large national organisations. I have coached and developed brand new trainees up to experienced MD's. 
I am known in financial services as a problem solver and self confessed geek.  I have expertise in most financial planning areas but particularly complex pensions and Trust arrangements.  I was a member of the CISI technical panel for their PCIAM exam for a number of years.

Outside the day job I regularly present to state schools about careers and am an Academy Chair for one of the largest secondary schools in the country. 

Companies I have worked for or with:
Aviva 
Coventry Building Society - Aviva Financial advisers 
Coutts (Including heading Wealth Training for Coutts, Adam and Co, Nat West, RBS et al).
SJP
Chase de Vere


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