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Is Time On Your Side?

Is Time On Your Side?

"Time is on my side..." sang Mick Jagger in 1964. Mind you, he was just twenty-one when he penned those lyrics and he was right, with a long life on stage ahead of him. Personal InsuranceAs we go through our own life stages, our personal insurance needs may change. And so do things around us. Interestingly, the medical conditions or events that...

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Advice On Getting The Most From Your Adviser

Advice On Getting The Most From Your Adviser

People who engage a Financial Adviser often say that they wondered how they used to get on without one. After all, having your financial arrangements professionally organised makes life easier, and creates a confidence that you’re leaving nothing to chance, fate, or wishful thinking. Your relationship with your Financial Adviser is unique in so...

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Quarterly Strategic Outlook

Quarterly Strategic Outlook

The global economy remains on track this year for its highest GDP growth rate since 2011. Reflecting the cyclical improvement in economic growth, many central banks have become more hawkish recently, getting ready to either wind back their easing or start raising interest rates. The US is furthest through the monetary policy normalisation...

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When Your Conservative Portfolio Is Not So ‘Conservative’

When Your Conservative Portfolio Is Not So ‘Conservative’

Element of risk enters conservative investment portfolios The word ‘conservative’, particularly when it comes to conservative investment portfolios, usually suggests stable, defensive and steady-as-she-goes, but in these changing times, there are early warning signs that a ‘conservative investment portfolio’ may no longer be the haven that it...

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Be Prepared For A Cyber Attack

Be Prepared For A Cyber Attack

More and more of today’s criminals don’t bother with a physical break-in. They sneak in through your computer cables, via your internet connection and steal, or corrupt, information. Another mode of operation is to lock down your server and demand a ransom to unlock it, again costing you time and money. It can take weeks to recover data or find...

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Just What The Doctor Ordered?

Just What The Doctor Ordered?

Earlier this year, we received notification from a client who wanted to cancel his cover because he thought it was too expensive. Our Adviser, Dean MacLeod, met with the client to review his policy and situation. Dean takes up the story. “First, I completed a ‘needs analysis’ looking at his current situation which indicated some changes could be...

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