Paul Burstow the care services minister has gone on record saying that we are currently living a “cosy dream” and we do not understand that we will almost certainly have to pay for our own care when we grow old and frail.  The general consensus is social care is free but this is incorrect and [...]

It is proposed that state pension age for everyone will be 66 by the year 2020 although arguably this is insufficient for the cost of the state pension to be bearable for the rest of the working population.  Especially when you consider by 2031 almost one in four of the UK population will be over [...]

Last week gold hit yet another record high whilst silver surged 5% to be just under it’s all time high as the US Dollar continued its decline.  Gold is now above US$ 1,500 a troy ounce and silver is over US$ 49 an ounce and one has to question how much higher gold can go.  [...]

In April 2010 HMRC increased the minimum age that individuals can access their pension benefits from 50 to 55.  There was talk recently that this new age limit would be reduced however the Government has recently rejected proposals for early access stating that there is “insufficient evidence to suggest it would act as an incentive [...]

It was disappointing to read that yet another Building Society has incurred a substantial fine levied by The Financial Services Compensation Scheme for poor advice.  The Norwich & Peterborough Building Society has been fined £1.4Millionover its failings to ensure advice to invest in products with a firm called Keydata was suitable and has set aside [...]

Ever wondered what it is like to work with a Financial Planner who puts you – not your money – at the centre of everything ?  A Financial Planner who first makes sure that they understand your deepest aspirations and goals both now and later in life?  The Financial Management Group is more than just [...]

Unbelievably Standard Life has decided to cut the annual bonus rate for some 500,000 With-Profits clients despite some of their With-Profits Fund returning in excess of 13% over the past year.  The bonus rate on most of its unitised life plans has fallen from 1.5% to 1.25%.  Bonus rates on unitised pension plans has fallen [...]

As a main sponsor at the recent Watford Mencap Diamond Jubilee Ball, we are delighted to inform all that the event was covered by the Watford Observer and an artcile will be published in tomorrows edition, 11/02/11. For more information on the Ball or Watford Mencap click here. TFMG was delighted to have been associated with and contributed to [...]

It has been relatively easy for policymakers to attribute aspects of the UK’s economic problems to external forces, suggesting that – to some extent – the UK’s economic destiny is not in its own hands. However, such excuses were in relatively short supply in the wake of the slide in GDP from the third quarter [...]

Forthcoming regulation, designed to deliver a more professional Financial Services marketplace to clients, has led us to enter into a strategic partnership with Succession Advisory Services. Whilst we remain totally independent and continue to trade totally autonomously, we benefit from membership of this national partnership of highly specialised and entrepreneurial financial services businesses. Businesses just [...]