Whether it’s commenting on changes in legislation, providing hints and tips to keep your financial world in shape, or keeping our clients up to date with the FOCUS world, we are passionate about sharing information with our clients.
Why invest in different asset classes?
Thursday, September 07, 2017
When we invest a client’s money, we have three key aspects that we must consider before we commence. These are quite simply: What do you need the money for? When do you need it? How much risk are you prepared to take with it? These simple questions will then dictate the asset allocation of your […]
The Value of Advice
Friday, July 21, 2017
At FOCUS, we have always extolled the virtue of financial advice. We recognize that the financial world is complicated and our aim is always to work closely with our clients to enable them to achieve their financial objectives. We have always believed in the value of good financial advice, but it is still encouraging when […]
Is Your Business Protected?
Friday, July 07, 2017
As a business owner, you do everything you can to make your business a success. You may have covered the tangible assets of your business, but have you protected yourself, or those key individuals who may contribute heavily to profits? Could your business continue if one of the owners or key individuals were to die […]
Budget Statement March 2017: Key Points for Savers & Investors
Thursday, March 09, 2017
Philip Hammond delivered the Government’s Spring Budget yesterday. Key comments were about further support for Social Care and the NHS, with very little in the way of changes to personal taxation or savings, aside from those that had already been announced. Detailed below are the key points, with many simply confirming announcements that were made […]
Pensions Freedom – a success??
Thursday, March 02, 2017
Hundreds of thousands of savers have cashed in £9.2 billion from their pension pots since pension freedoms were introduced in April 2015. Over 1.5 million payments have been made using pension freedoms, with 162,000 people accessing £1.56 billion flexibly from their pension pots over the last 3 months, according to HMRC figures released in January […]
Tax return – no excuses!
Friday, January 20, 2017
The deadline to file your online self-assessment tax return for 2015-16 is 31 January 2017 – and failure to do so can be very costly. Penalties for late returns start with an initial fixed penalty of £100 – which applies even if there is no tax to pay, or if the tax due is paid […]
re-mortgage business via intermediaries supported by lenders
Wednesday, January 11, 2017
This week’s announcement by Santander to roll out mortgage retention business to intermediaries is one of the greatest demonstrations of the Brands commitment to its business partners. For years intermediaries have been requesting the facility to constantly be told that there were no plans in place. The surprise turnaround is extremely welcome and will, I […]
Are pensions coming back in to fashion?
Friday, January 06, 2017
What goes around comes around. Do you remember the time when people valued pensions? As we enter 2017, it may just be that pensions are ready to return to the limelight. The last few years have been a bit difficult for pensions. Interest rate reductions mean that the income provided by pensions through annuities were […]
Christmas Hamper Prize Draw
Thursday, January 05, 2017
Following the joy spread by our 25th Anniversary Christmas Hamper Prize Draw in 2015, we ran a second festive prize draw for Christmas 2016. This year, clients had the opportunity to win one of ten lovely hampers from Virginia Hayward Limited. From the many entries received, ten lucky winners were drawn by an independent adjudicator. […]
Christmas jumpers & Bake-off fundraising
Wednesday, December 28, 2016
As our final fundraising efforts for 2016 in aid of Helen & Douglas House, FOCUS ran a festive bake-off event throughout December and joined in with Christmas Jumper Day. Throughout the month, staff members took it in turns to bring in cakes, bakes and other goodies, with colleagues and visitors being encouraged to sample the goodies […]