2018 saw the culmination of a series of economic risks; US interest rates; the approaching end of the economic cycle; trade wars and other geopolitical issues; and of course Brexit. In terms of markets, it was one of the toughest years we have seen since the Global Financial Crisis in 2008. In this environment, there have been very few positives and we saw some drops in portfolios as result.
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We are delighted to announce that we have been ranked at number 13 in the list of the UK’s top 100 advisers in FTAdviser magazine from the Financial Times.
For the third year in a row Gibbs Denley Financial Services have been named as one of New Model Adviser Magazine’s Top 100 IFA firms in the UK. The award recognises prominent leaders and outstanding achievements in the UK financial advice community. [click to continue…]
Following this, we have put together a document which contains the latest tax and financial information, which we trust you will find useful.
For more information on how the changes may affect you, please contact us.
The ongoing saga of changing US trade policy was the major factor behind much of the stock market activity this quarter, but US and Asian markets reacted very differently to each other.
In addition to intra-country trade negotiations, the US initiated a further interest rate rise in September and another is anticipated in December. The effects of steadily rising rates should not harm equity markets as it looks as though companies are well placed to deal with less generous financial conditions but those with high levels of debt may find things increasingly difficult.
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Julie joined Gibbs Denley Financial Services in 2010, after completing a Law degree. When considering her career options, she decided she would like to work in finance. Her search led her to an advert for a trainee Administrator role at our Bury St Edmunds office. Liking the sound of the job, she was also drawn by the potential for further study and progression within the company and the industry. Through Gibbs Denley Financial Services Professional Development Programme, she is now a Chartered Financial Planner. [click to continue…]
Investment markets have exhibited mixed behaviours so far this year, from fretfulness in the highly volatile first quarter, to growing confidence in the second. It is easy to see the risks in these troubled waters, especially given the media focus on some of them, but skillful navigation enables us to identify and making the most of the opportunities while minimising those risks.
Continuing a year of fantastic achievements from our staff, Associate Director and Financial Adviser Craig Hilton has recently gained both Chartered Financial Planner status and Fellowship of the PFS.
In order to achieve both of these, Craig has passed 19 exams requiring around 1,450 hours of study. He also has to demonstrate a commitment to continuous professional development as well as upholding the technical and ethical standards of the CII.
Craig, speaking about his study, says “Developing my knowledge and skills over many years has enabled me to offer better outcomes and help more clients achieve their financial plans and objectives. The PFS Fellowship and Chartered status are challenging, sacrificing many hours to study, but ultimately show a commitment to provide the highest quality of trusted advice and service to my clients. ”
Gibbs Denley Financial Services Ltd now have six members of staff who hold individual Chartered status, and two holding Fellowship.
The unwelcome volatility at the beginning of the year was succeeded by a period of good stock market progress, though pockets of uncertainty were evident at times.
Investors warmed to the ideas that spooked them earlier in the year as inflation worries subsided and were replaced by fears of escalating ‘trade wars’, fuelled by the US’s tariffs on many countries, including some of its allies. Another interest rate rise from the US was accepted by markets without much fuss and most developed market bonds ended up broadly flat after yields on the 10-year US Treasury moved up to 3%, a level which seems to deter further selling. [click to continue…]
This blog post was written in 2018, and refers to the 2018/19 tax year allowances. Please note that, while correct at the time, tax allowances and laws may since have changed. Please consult a qualified adviser for more up to date information.
To help you understand how you can manage your savings and investments in a tax efficient manner, we have put together a hypothetical case to walk you through it. Of course, everyone’s personal circumstances are different, so it’s best to talk to your adviser before making any changes.
At the beginning of May 2018 we were contacted by Jeff and Michelle, a married couple in their late 50s who have recently inherited £600,000 from Michelle’s mother and wanted advice on the best way to invest the money for future income, without incurring a large tax bill. [click to continue…]