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Breed Elliott LLP - Keeping You Informed

You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.

These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader

Newsletter

Our current Newsletter:

The equity release market in the UK has doubled in size in just three years with retired homeowners releasing £3.6 billion in new property wealth in 2018, up from £3.01 billion the year before – a 19% increase. These are the figures arising solely from the sale of equity release schemes, not taking into account equity being released by homeowners downsizing.

Therefore, we thought it was timely to use this month’s newsletter to look at the equity release decision-making process and personalise this by looking at the considerations taken into account by the grandparents of our fictional family, Harvey and Maggie Smith.

Previous Newsletters

Newsletter

The Smith Family: Personal Finance Portal (PFP)

In this month’s newsletter, we take a look at how three generations of the Smith family are using our Personal Finance Portal (PFP).

Newsletter

The Smith Family: the third generation savings for the grandchildren

In this month’s newsletter, our focus turns to the younger members of the Smith family. We are looking at the scenario where their parents and grandparents are considering making savings for their benefit.

Newsletter

The Smith Family: the next generation planning for retirement

In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.

Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.

We hope that this will help to make the issues we cover more ‘real’ and meaningful.

Newsletter

Introducing the Smith Family and the Grandparents' Cash Accounts

In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.

We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.

Newsletter

Prenuptial Agreements

Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.

We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.

Newsletter

Death planning for the younger generation

Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!

In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.

Newsletter

5 New Year Financial Planning Resolutions

The start of a New Year is a popular time to make a resolution to live our lives differently.

But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!

In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.

Newsletter

Active and Passive Fund Management

As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.

In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.

Newsletter

Fund and Administration Charges Explained

In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.

Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees. 

Newsletter

Our Annual Client Survey

We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.

We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.

So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.

We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.

The Cost of Advice

In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.

We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.

We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.

As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter

Behavioural Finance

In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.

The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.

But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.

This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.

Selecting Individual Funds

The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.

We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.

Wedding Plans

In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.

Preserving wealth through generations.

The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.

General Data Protection Regulation

We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.

Understanding Fixed Interest Securities

Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.

Newsletter December 2017 - PFP Premium

In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.

In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.

November 2017 Newsletter - Personal Finance Portal

Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.

You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.

These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader

Newsletter

Our current Newsletter:

In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.

Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.

We hope that this will help to make the issues we cover more ‘real’ and meaningful.

Previous Newsletters

Newsletter

April 2019

In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.

We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.

Newsletter

Prenuptial Agreements

Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.

We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.

Newsletter

Death planning for the younger generation

Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!

In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.

Newsletter

5 New Year Financial Planning Resolutions

The start of a New Year is a popular time to make a resolution to live our lives differently.

But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!

In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.

Newsletter

Active and Passive Fund Management

As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.

In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.

Newsletter

Fund and Administration Charges Explained

In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.

Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees. 

Newsletter

Our Annual Client Survey

We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.

We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.

So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.

We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.

The Cost of Advice

In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.

We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.

We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.

As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter

Behavioural Finance

In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.

The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.

But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.

This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.

Selecting Individual Funds

The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.

We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.

Wedding Plans

In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.

Preserving wealth through generations.

The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.

General Data Protection Regulation

We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.

Understanding Fixed Interest Securities

Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.

Newsletter December 2017 - PFP Premium

In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.

In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.

November 2017 Newsletter - Personal Finance Portal

Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.

You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.

These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader

Newsletter

Our current Newsletter:

In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.

Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.

We hope that this will help to make the issues we cover more ‘real’ and meaningful.

Previous Newsletters

Newsletter

April 2019

In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.

We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.

Newsletter

Prenuptial Agreements

Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.

We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.

Newsletter

Death planning for the younger generation

Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!

In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.

Newsletter

5 New Year Financial Planning Resolutions

The start of a New Year is a popular time to make a resolution to live our lives differently.

But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!

In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.

Newsletter

Active and Passive Fund Management

As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.

In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.

Newsletter

Fund and Administration Charges Explained

In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.

Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees. 

Newsletter

Our Annual Client Survey

We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.

We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.

So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.

We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.

The Cost of Advice

In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.

We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.

We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.

As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter

Behavioural Finance

In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.

The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.

But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.

This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.

Selecting Individual Funds

The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.

We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.

Wedding Plans

In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.

Preserving wealth through generations.

The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.

General Data Protection Regulation

We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.

Understanding Fixed Interest Securities

Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.

Newsletter December 2017 - PFP Premium

In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.

In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.

November 2017 Newsletter - Personal Finance Portal

Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.

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