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Warde Graham Consulting Limited is authorised and regulated by the Financial Services Authority. Registered in Scotland, registered number SC249375.
Registered address Dundas House, 166 Buchanan Street, Glasgow, G1 2LW. We are entered on the FSA register number 225466 at www.fsa.gov.uk.
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Independent Financial Advisers Glasgow News & Guides
Below are details of our recent posts and guides relating to all aspects of independent financial advice. If you have any question, please give us a call on 0141 331 0660.
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Recent Posts
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Brits not saving for future care needs
Posted by Alan Roe- 0 Comments
Alan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineJust 16% of UK workers are saving to cover their care needs in later life, but 83% of them say saving for care is "very important", according to a YouGov poll conducted on behalf of Saga. Just 16% of UK workers are saving to cover their care needs in later life, but 83% of them say saving for care is "very important", according to a YouGov pol ...Jul 05 -
Report shows care funding crisis is worse than first thought
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineA recent report commissioned by over-50s organisation Saga has highlighted that the shortfall in spending on care could be much worse than previously thought - and that the UK is languishing near the bottom of the European care spend league.A recent report commissioned by over-50s organisation Saga has highlighted that the shortfall in spending on ...Jun 06 -
Long-term care spending to increase in OECD countries
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineA new report published by the Organisation for Economic Co-operation and Development (OECD) has warned that increasingly ageing populations in OECD countries will lead to a sharp rise in long-term care spending, with costs potentially trebling in these countries by 2050.A new report published by the Organisation for Economic Co-operation and Develo ...May 23 -
Public fears ‘shifting goalposts’ in long-term care funding
Posted by William McBride- 0 Comments
William McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineThe public wants a clear message from the Government on how much they will have to pay for care in their old age, research carried out for the Commission on Funding of Care and Support has found.The public wants a clear message from the Government on how much they will have to pay for care in their old age, research carried out for the Commission o ...May 19 -
Cost of care - Gap between the cost of care and what local authorities are prepared to pay is growing
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineMany families with elderly relatives in care could find themselves in a situation of falling house prices, low interest rates and rising care home fees. For those families, the situation may be further exacerbated by local authority cost cutting.Many families with elderly relatives in care could find themselves in a situation of falling house p ...Feb 01 -
Show all entries from Long Term Care Costs
Recent Posts
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Opportunity to revitalise workplace pensions
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlinePensions experts have identified a shopping list of key areas where the Government needs to focus its energies if it is to meet its Red Tape Challenge and reinvigorate workplace pensions.These include the overly prescriptive rules on the type of pensions employers need to offer, and how employers communicate with the members of their pension scheme ...May 15 -
Raising state pension age may alienate public
Posted by William McBride- 0 CommentsWilliam McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineNearly eight in ten British people think making British workers work longer than their European counterparts to receive their state pension is unfair.A YouGov poll - commissioned by Unite, the Public and Commercial Services union and the National Union of Teachers – reveals that a clear majority of those born before 1977 polled (62%) are uncomforta ...May 10 -
Getting Britain's workers saving
Posted by William McBride- 0 CommentsWilliam McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineThe challenge of getting Britain’s workers saving for their retirement is highlighted in Aviva’s first Working Lives Report, which reveals the daily struggle faced by employers and employees as they seek to balance business priorities against personal financial needs.Surveying UK private sector employees and employers about their attitudes to savin ...May 02 -
NAPF criticises GMP equalisation proposals
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineThe Government’s proposals to equalise Guaranteed Minimum Pensions (GMPs) would create massive costs and administrative burdens, increasing pressure on pension funds at a time when they are struggling with a tough economic environment, pensions experts have warned.GMPs are sums of money built up by members of occupational pension schemes who have c ...Apr 16 -
Consumers support idea of compulsory enrolment
Posted by William McBride- 0 CommentsWilliam McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineWith just six months to go until the largest employers start automatically enrolling employees into pension schemes, Friends Life has revealed new research showing that 61% of consumers admit they are not confident in their own abilities to save enough to fund their retirement without government or employer intervention. Just 39% believed they coul ...Apr 12 -
Show all entries from Pension Planning and Advice
Recent Posts
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Many over-50s to retire on less than minimum wage
Posted by William McBride- 0 CommentsWilliam McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineThe LV= State of Retirement Report has revealed that 6.25 million Britons aged over-50 (28%) have no pension plan in place and look set to rely on just the state pension in retirement, a huge increase on the 1.2 million people who live solely on the state pension today. The basic state pension equates to an annual income of up to £5,587 and average ...May 17 -
Working in retirement
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineTwo in five (40%) people planning to retire this year would be happy to work past 65 if they had the chance, according to new research from Prudential.The main motivation for more than two thirds (68%) of this year’s retirees who want to stay in the workforce past 65, is a desire to remain physically healthy and mentally active, while 39% do not li ...May 07 -
Saving rather than spending is top priority for retirees
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineThe top priority for people intending to retire this year is saving money to ensure they have enough to live on in retirement. Nearly six out of ten people (57%) said saving will be a top priority, according to new research from Prudential.The insurer’s Class of 2012 study, which looks at the finances and expectations of those planning to retire th ...Apr 30 -
Working lives and retirement income
Posted by William McBride- 0 CommentsWilliam McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineThe Pensions Policy Institute has published new research which considers the implications for retirement income of Government policies to extend working lives. The research examines how much longer today’s over 50s in England in 2011 might need to work and save to meet target levels of retirement income. Commenting on the findings of the research, ...Apr 26 -
ISA savings to fund retirement
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineNew research published by the Institute of Directors (IoD), in association with Lucida, has revealed that the many people are choosing to save for their retirement with ISAs rather than pensions. The trend is illustrated by the fact that the amounts paid into ISAs increases sizeably year on year, rising from £35.7 billion in 2007, to £43.9 billion ...Apr 23 -
Show all entries from Retirement Planning
Recent Posts
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Consultation on proposals to encourage charitable giving through lower IHT
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineThe Government has recently launched a consultation on its proposals to encourage charitable giving by charging a lower rate of inheritance tax (IHT) on estates that leave a legacy to charity.The Government has recently launched a consultation on its proposals to encourage charitable giving by charging a lower rate of inheritance tax (IHT) on estat ...Jun 14 -
Bonds and the Bypass trust
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineEstablished with the aim of receiving pension death benefits from personal or occupational schemes, bypass trusts can be invaluable in procuring inheritance tax savings on a second death for prudent trustees who wish to invest pension death benefits following the death of the settlor/scheme member.Established with the aim of receiving pension d ...Apr 04 -
Keeping your wealth in the family: Inheritance Tax planning matters
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineIn order to protect family and loved ones, it is essential to have provisions in place after you’re gone. The easiest way to prevent unnecessary tax payments such as Inheritance Tax (IHT) is to organise your tax affairs by obtaining professional advice and having a valid Will in place to ensure that your legacy does not involve just leaving a ...Mar 23 -
Inheritance Tax - Isn’t it time you assessed your estate’s potential liability?
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineIn the event of your premature death, unless you plan carefully your family could end up paying a sum in Inheritance Tax (IHT). Have you recently assessed your potential liability to IHT? If so, and you have a potential liability, have you planned to reduce it? We can help you ensure that more of your hard-earned assets go to the people you wan ...Jan 20 -
Show all entries from Inheritance Tax Planning
Recent Posts
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Tax Freedom Day
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineThe Adam Smith Institute (ASI) has released calculations revealing the length of time people work to pay off their tax bill. Britons have worked for a full 5 months this year to pay their taxes, with every penny earned in the UK between 1st January and 29th May going to the taxman.The Adam Smith Institute (ASI) has released calculations revealing t ...May 31 -
ISA Surgery - Individual Savings Accounts for Tax-Efficient Savings
Posted by William McBride- 0 CommentsWilliam McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineIndividual Savings Accounts (ISAs) are not actual investments; they are tax-efficient wrappers surrounding your fund choice(s). When you make an ISA investment you pay no income or capital gains tax (CGT) on the returns you receive, no matter how much your investment grows or how much you withdraw over the years.Individual Savings Accounts (ISA ...Apr 21 -
Last Chance to Claim Tax Back
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineMany individuals will have finalised their tax affairs for 09/10 on 31st January and will have had to write a cheque to settle their account. You have a final chance to get this back.Many individuals will have finalised their tax affairs for 09/10 on 31st January and will have had to write a cheque to settle their account. You have a final chance t ...Feb 18 -
Make time to review your personal tax position - Essential planning to beat the 5 April 2011 deadline
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineDespite the current economic uncertainty as to what the future holds, pressure will continue for increased rates of taxation. This will be further fuelled by the disparity in rates of taxation, particularly for income and capital gains. We can’t over-emphasise the importance of tax planning at an early stage.Despite the current economic uncerta ...Jan 23 -
Show all entries from Tax Planning
Recent Posts
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Opportunity for an experienced Sales Support Administrator to join our successful IFA company in Glasgow
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineAn exciting opportunity has arisen for an experienced Sales Support Administrator to join our successful IFA company based in Glasgow City Centre. To be offered on a permanent basis, this is a fantastic opportunity to join an expanding and well established organisation.An exciting opportunity has arisen for an experienced Sales Support Administrato ...Dec 12 -
Protecting business continuity - Don’t overlook your most important assets, the people who drive your business
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineEvery business has key people who are driving it forward. Many businesses recognise the need to insure their company property, equipment and fixed assets. However, they continually overlook their most important assets, the people who drive the business – a key employee, director or shareholder.Every business has key people who are driving it fo ...May 20 -
Investing offshore - Utilising tax deferral benefits
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineInvesting offshore may appeal to anyone who plans to live overseas, travels extensively, or wishes to look outside of their ‘home’ country for investment opportunities. Depending on where you reside, there will be various options available to you. Perhaps you already have money offshore and are looking to receive a better return; or you maybe y ...May 18 -
Making the most of your investments - Safeguarding your money at a time of low interest rates
Posted by William McBride- 0 CommentsWilliam McBrideWilliam McBride set up Warde Graham Consulting in 2003 with a view to offer indiUser is currently offlineDuring these difficult economic times, one of the tools available to the Bank of England to stimulate the economy is interest rates. Lower interest rates mean that it is cheaper to borrow money and people have more to spend, hopefully stimulating the economy and reducing the risk of deflation. This is why the Bank of England has aggressively cu ...May 16 -
Financial distance for cohabitees
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineBritish people are being more careful with their finances when they decide to move in with a new partner, according to new research from online bank first direct. Only 1 in 5 couples surveyed (20%) had decided to unify their money and control all their finances from a joint account.British people are being more careful with their finances when they ...May 13 -
Show all entries from Independent Financial Advice
Recent Posts
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Financial reasons to make a will - Putting it off could mean that your spouse receives less
Posted by Alan Roe- 0 CommentsAlan RoeAlan has been advising individuals and corporate entities for over 15 years, botUser is currently offlineIt’s easy to put off making a will. But if you die without one, your assets may be distributed according to the law rather than your wishes. This could mean that your spouse receives less, or that the money goes to family members who may not need it.It’s easy to put off making a will. But if you die without one, your assets may be distributed a ...Jan 21 -
Show all entries from Wills, Estate Planning
