FAQs Archive - Page 3 of 5 - Robson Macintosh

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How do you create a financial roadmap?

19th March 2021

First, we focus on your goals, objectives, values, and priorities. Your immediate goal may be to reduce tax, current and future income taxes or to save for your children. University education may b...

Are you concerned about the planet?

Yes, we take environmental, social and governance matters seriously. Our portfolios and fund manager partners cannot screen out every perceived area of investment that might be regarded as non-green, ...

What are your timescales?

We feel cash in the bank is the right place for 6 months spare expenditure, a holiday fund and tax purposes in the next 12 months. Once this is covered then any spare income or capital can be inves...

Do you provide mortgage advice?

Yes, we do, we offer a comprehensive mortgage management service covering all aspects of buying a home, first time buyers, remortgage, buy to let and equity release. In most cases this will be your mo...

What does a good strategy look like?

This should contain a broad spread of assets and be managed in line with our philosophy, your attitude to risk and need for risk, timelines, and goals....

Will you challenge me if you disagree with my thoughts?

Our clients’ discussions are many and varied, no two are the same. At all times we will let you know if we disagree with an action you wish to pursue if we feel this will cause you financial harm. W...

Tell me about the financial planning process

Financial planning is a multi-step process that provides you with two important things: An in-depth review of your current position. A roadmap that shows you how to reach your goals and object...

How much should I be saving?

5th February 2021

The amount you need to save depends on the size of the pension pot that you want, it also depends on your age. For example, putting 10% of your earnings towards your pension is fine if you are in y...

What is a defined benefit scheme?

The other type of scheme is a defined contribution scheme or DC scheme. In this type of arrangement, you will normally be expected to contribute as will your employer. This is suitable for the self-em...

How do you work out a proper pension plan?

None of us know what the future holds but it makes sense to meet with an independent financial adviser to sense check your current financial position and plan for the future. Speaking to a knowledg...