Mike’s true passion is educating others and sharing expert advice with individuals seeking to learn more or simply stay up to date with the latest financial news. Mike frequently expresses his views on the financial industry, where he applies his experience and knowledge to share his thoughts and opinions.
We all know what a regular financial review is, right? It’s a staple of the advisory and wealth management business. Once a year, every six months, or once a quarter, financial advisers sit down with their clients and debrief them on how on target their...
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Look back to the year 2000, and you might understand why so many people are hesitant to put their hard-earned money in the stock market. Many investors have been hurt more than once by investing in equities, and they are having a hard time believing...
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South African expatriates should not only understand the newly implemented 2021/2022 tax laws, which aim at taxing their foreign employment income but should also act if they want to avoid its dire consequences. With the 2021/2022 SARS tax eFiling season now open and well underway,...
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Due to continued demand from expats based in the UAE and the Middle East in general who is considering acquiring a mortgage in the UK, I have created a list of Frequently Asked Questions (FAQs) that can assist with many of the initial points facing...
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The habits you form now will affect you for the rest of your life. Understanding the most common financial money mistakes will help you make better financial choices in the future.Avoiding costly money mistakes will save you money, time & stress.I have listed below the...
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As demand for domestic and international financial advice continues to soar, more must be done to attract young talented individuals into the financial services industry and to prevent advice from becoming exclusively for the wealthiest of those in society.As I was quoted as saying in...
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When you are considering investing your money, having a solid relationship with a financial adviser is not only ‘helpful’, it can be fundamentally important as well. Most investors depend on their financial advisers to provide them with information that can be crucial to their success...
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Making the right investment decisions is something you can only properly do by fully understanding your own personal risk tolerance. There’s no doubt that we all know that all levels of reward come with some level of risk and uncertainty. The amount of risk, of...
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How to pay off debt is one of the most common questions I get asked as an adviser.“How did you go bankrupt?” “Two ways, gradually and then suddenly”- Ernest Hemingway, The Sun Also Rises.In this famous quote, the influential 20th-century author, in one of his most...
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There’s a lot been said in the media recently about the investment concept of Dollar-Cost Averaging. One of the reasons that it is becoming increasingly popular is because it’s an ideal way to accumulate savings to fund retirement and/or education.First, the backdrop. Whichever way you...
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In the age of information, the answer to nearly any question is available at your fingertips. Want to know how to cook a particular meal or repair something in your home? All you have to do is get online and ask your question. You'll likely...
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The expat dream remains very much alive and real amongst Brits, with a series of independent polls and official statistics. This suggests a continued upward trend of UK citizens seeking or actively committing to leaving Britain. With this in mind, and taking an interesting ‘side look’...
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A study has been made on millionaires for 6 years and we have realised being 'rich' comes down to only two things. These two actions will teach you how to grow wealth in the most stable way possible:Accumulating wealth Keeping the wealth you've accumulatedThe...
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Great leaders are driven towards a mission that everyone can get behind. They know how to motivate a team through honesty, transparency, and genuine passion. In the book Leading at a Higher Level, a study showed that leaders that had a strong vision had the highest performing...
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We talk a lot about our clients moving overseas, or returning back home, but what about internationally based financial advisers etc? What does it mean for a financial adviser to return home? What are the impacts? If you are thinking of moving back to the...
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The global marketplace is changing. For International Financial Advisers, the choice is stark: either adopt best practices in the face of challenges or slowly become less relevant.Let’s take a look at how things are changing.On the financial front, there are increasing – and justified –...
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Let’s learn quality control from manufacturingI’ve gone on record before saying the quality is never an accident. It’s always because of careful processes designed to monitor, review, and cross-check.It is the role of management to make sure that services are being delivered with quality across...
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Pensions have become far more flexible and tax-efficient over the past 10 years leaving us with an effective tax and estate planning vehicle. However, this leads to the question, what role does a Critical Yield now play in deciding the suitability of transferring out of...
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“Let the Good Times Roll” by legend B.B King. It’s a great song.– but it recently got me thinking.I can’t quite believe I’m saying this, but the sentiment in the song is the crucial problem that we have to address as financial advisers, and as...
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An intro to Cryptocurrency Cryptocurrencies, or “crypto-assets” as they are sometimes known, are a type of digital currency whose value is determined mainly through the powers of supply and demand as well as the underlying technology and is stored in a virtual wallet. The currency is...
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Returning to the U.S. can be a tricky proposition if you are not properly prepared.You are on your way back to the United States after being an expat. No matter what takes you back, the first step is always to establish yourself financially and set...
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“They are nowhere near as good as they used to be and now that you are an expat, they simply don’t work!”I know this will be hard to hear for some British Expats living in well-known expat locations such as Dubai or Abu Dhabi, but...
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The longer life expectancy of retirees presents challenges in retirement.The good news? We're living longer. The bad news? We're living longer.Such is the conundrum faced by retirees and their financial advisers. Since 1960, Great Britain's average life expectancy increased to 83.5 for males and 85.9...
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The following article is written by Graeme Perry, Solicitor at Sykes Anderson Perry Limited Solicitors and Chartered Tax Advisers in London, England.This information has been prepared by Sykes Anderson Perry Limited as a general guide only and does not constitute advice on any specific matter....
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Our mission as a financial adviser is simple, and it’s putting the client first. All too often, we get caught up in the nitty-gritty of portfolio construction, asset allocation and diversification before understanding who our clients are and what aspirations they harbour. It’s always worth...
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