We at Barry Fleming and Partners have been advising clients on their financial planning needs for over 45 years. During that time we have experienced the many vicissitudes in the markets, in taxation, and in global politics. Our planning is based on advising clients on balanced portfolios that meet their individual income and capital requirements… 
We all know that the Ides of March fall on the 15th March – Julius Caesar was murdered on that day in 44 B.C. when Roman senators raided the Curia in Rome, a raid immortalised by Shakespeare. Then there was the French 48-hour raid into England on the Ides of March in 1360, pillaging and…
The Romans dedicated January to their god Janus – god of Endings, Transitions, and new Beginnings. He is depicted with two faces since he looks back to learn from the past and the year that has just ended (Endings) and, having taken stock of changes and new considerations that have arisen (Transitions), he looks forward…
Covid-19 has changed the way most financial planners, we included, are able to deliver advice – at least for the time being. At the drop of a hat, the industry has had to embrace years’ worth of technological innovation so that we could continue to provide our services to you during a tumultuous time. The…
You and I know that life is not all plain sailing but, as far as financial planning is concerned, if you plan ahead you can maximise your resources for your future income and capital needs and for those of your family – and reduce the risks while on life’s journey. We call it Lifetime Financial…
Over the last 18 months or so, Covid-19 itself and the ensuing lockdown and travel restrictions have limited our annual holidays especially those abroad, and those slap-up meals, or pub lunches. As a result, households have spent less and have salted away extra cash into their savings. The Bank of England says that £162 billion…
“Planning” is the process of deciding in detail how to do something before you actually start to do it – it’s sensible and it fits a calendar! It’s what we do! Failing to plan where financial planning is possible, is the process of witnessing opportunities disappear through the perforations of our financial life – it…
My career in financial services commenced 50 years ago, and I started our firm 46 years ago. During that time we have worked through, and advised clients throughout, the many vicissitudes that life presented – the 1973 oil crisis; the secondary banking crisis that followed; the stock market crash when our stock market fell 73%….
In the context of the recent news repeating the warning that there could be a raid on pensions (e.g. reductions in the Annual Allowance and/or Lifetime Allowance) in order to help recover the costs of Covid-19, our Focus this month is an important reminder for all those who are members of a pension scheme –…
At the beginning of March, Chancellor Rishi Sunak presented his Budget. His aim: to chart a course out of the economic damage wrought by the pandemic. A year earlier he had said he would do “whatever it takes” to protect jobs and businesses. Twelve months on, with Government borrowing breaking all records, it is clear…