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<channel>
<title>MDM-News-feed</title>
<link>http://www.mdm-online.co.uk/</link>
<description></description>
<lastBuildDate>Mon, 21 May 2012 00:05:04 +0100</lastBuildDate>
<language>en-gb</language>

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<title><![CDATA[A Monthly Treasury Prescription to Cure our Ills?]]></title>
<link>news/financial-focus/a-monthly-treasury-prescription-to-cure-our-ills.html</link>
<guid>news/financial-focus/a-monthly-treasury-prescription-to-cure-our-ills.html</guid>
<pubDate>Wed, 09 May 2012 09:27:26 +0100</pubDate>
<description><![CDATA[In each of the first three months of 2012, HM Treasury announced a specific new measure to tackle tax avoidance. The moves are all incorporated in the 2012 Finance Bill, published after the Budget at the end of March. In the bill, tackling over £1bn of tax avoidance and evasion is one of the five major areas of legislation.]]></description>
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<title><![CDATA[Is it worth having a pension?]]></title>
<link>news/financial-focus/is-it-worth-having-a-pension.html</link>
<guid>news/financial-focus/is-it-worth-having-a-pension.html</guid>
<pubDate>Wed, 09 May 2012 09:04:39 +0100</pubDate>
<description><![CDATA[It seems impossible to open a newspaper at the moment without reading yet another headline attacking pensions. ‘Interest rates keep annuities low.’

‘Pension companies still overcharging.’

‘Stock market falls wipe billions off pensions.’]]></description>
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<title><![CDATA[Financial Planning and Divorce]]></title>
<link>news/financial-focus/financial-planning-and-divorce.html</link>
<guid>news/financial-focus/financial-planning-and-divorce.html</guid>
<pubDate>Wed, 09 May 2012 08:58:40 +0100</pubDate>
<description><![CDATA[No-one who is going through a divorce finds the process easy: it’s long, messy and almost always painful. Even if there are no children involved, divorce is a procedure that takes its toll on both sides: the acrimony, the paperwork – and the inevitable meetings with your solicitor.]]></description>
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<title><![CDATA[May Market Commentary]]></title>
<link>news/financial-focus/may-market-commentary.html</link>
<guid>news/financial-focus/may-market-commentary.html</guid>
<pubDate>Wed, 09 May 2012 08:38:36 +0100</pubDate>
<description><![CDATA[Wednesday April 25th must have been the morning David Cameron felt like phoning in sick. The Office of National Statistics officially confirmed that a shock 0.2% contraction in growth had pushed the UK into its first double dip recession since the 1970s. Meanwhile the Leveson Inquiry rumbled on with Culture Secretary Jeremy Hunt facing calls to resign; Labour opened an eight point lead in the opinion polls and there were predictions that the increase in diabetes could bankrupt the NHS. All in all a good day for a sick note…]]></description>
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<title><![CDATA[Repaying Student Loans – how does it work?]]></title>
<link>news/financial-focus/repaying-student-loans-–-how-does-it-work.html</link>
<guid>news/financial-focus/repaying-student-loans-–-how-does-it-work.html</guid>
<pubDate>Wed, 11 Apr 2012 14:39:55 +0100</pubDate>
<description><![CDATA[The Student Loans Company (SLC) was set up to undertake the administration and processing involved in the payment of loans and grants to students and the payment of tuition fees for higher and further education services.]]></description>
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<title><![CDATA[Difficult choices – ISAs or Pension savings?]]></title>
<link>news/financial-focus/difficult-choices-–-isas-or-pension-savings.html</link>
<guid>news/financial-focus/difficult-choices-–-isas-or-pension-savings.html</guid>
<pubDate>Wed, 11 Apr 2012 14:35:58 +0100</pubDate>
<description><![CDATA[In the UK, we may be putting more savings into stocks and shares ISAs than into personal pensions.
Reporting on savings trends in the 2010/2011 tax year, the Office for National Statistics (ONS) said savers put £14.3bn into personal pensions in that tax year, compared with £15.8bn into stocks and shares ISAs. This compares with the £12.5bn invested in stocks and shares ISAs and £14.4bn in personal pensions in the previous tax year. It was the first time this had happened since 2001/2002.]]></description>
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<title><![CDATA[Reduction in Lifetime Allowance]]></title>
<link>news/financial-focus/reduction-in-lifetime-allowance.html</link>
<guid>news/financial-focus/reduction-in-lifetime-allowance.html</guid>
<pubDate>Wed, 11 Apr 2012 14:27:53 +0100</pubDate>
<description><![CDATA[Last October the Government announced a reduction in the lifetime allowance – put simply, the amount of money you’re allowed to have in your personal pension fund – from £1.8 million to £1.5 million.]]></description>
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<title><![CDATA[April market commentary]]></title>
<link>news/financial-focus/april-market-commentary.html</link>
<guid>news/financial-focus/april-market-commentary.html</guid>
<pubDate>Wed, 11 Apr 2012 14:09:56 +0100</pubDate>
<description><![CDATA[March was a month which began with headlines about the Greek debt crisis and the impending ‘final deadline.’ By the end of the month the focus – in Britain at least – had shifted to Granny Tax, Cornish Pasties and the shortage of petrol]]></description>
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<title><![CDATA[MDM Budget 2012 PDF download]]></title>
<link>news/newsletters/mdm-budget-2012-pdf-download.html</link>
<guid>news/newsletters/mdm-budget-2012-pdf-download.html</guid>
<pubDate>Thu, 22 Mar 2012 15:29:00 +0000</pubDate>
<description><![CDATA[The debate on how to close the nation's mammoth savings gap continues to rage - and regularly at the fore of that debate is the issue of pension provision for women]]></description>
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<title><![CDATA[Budget 2012 Overview]]></title>
<link>news/financial-focus/budget-2012-overview.html</link>
<guid>news/financial-focus/budget-2012-overview.html</guid>
<pubDate>Thu, 22 Mar 2012 13:58:44 +0000</pubDate>
<description><![CDATA[The Chancellor presented his third full Budget since the coalition Government took power on Wednesday, 21st March. Billed as 'the budget for working people' with a promise to 'back business', Mr Osborne highlighted the Government's commitment to three specific areas: a stable economy, a fairer, more efficient and simpler tax system and reforms to support growth. As the Budget was announced, the Office for Budget Responsibility (OBR) increased its forecast for UK GDP growth in 2012 from 0.7% to 0.8%. It predicted future growth of 2% in 2013, 2.7% in 2014 and 3% in 2015]]></description>
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<title><![CDATA[Work longer, live longer!]]></title>
<link>news/financial-focus/work-longer,-live-longer!.html</link>
<guid>news/financial-focus/work-longer,-live-longer!.html</guid>
<pubDate>Tue, 20 Mar 2012 21:23:01 +0000</pubDate>
<description><![CDATA[New statistics published in February 2012 by the Office for National Statistics (ONS), reveal that people are working longer than they used to. The average age at which people leave the labour market – a proxy for average age of retirement – rose from 63.8 years to 64.6 years for men and from 61.2 years to 62.3 years for women, between 2004 and 2010.]]></description>
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<title><![CDATA[What’s in a name – a guide to financial advisers]]></title>
<link>news/financial-focus/what’s-in-a-name-–-a-guide-to-financial-advisers.html</link>
<guid>news/financial-focus/what’s-in-a-name-–-a-guide-to-financial-advisers.html</guid>
<pubDate>Tue, 20 Mar 2012 21:17:27 +0000</pubDate>
<description><![CDATA[Our industry is going through a period of change, brought on by new regulations in part aimed at increasing transparency for the consumer. The key changes are that from January 2013 commission will be banned and advisers will have to be qualified to a higher level than previously required. Seems like a good idea.]]></description>
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<title><![CDATA[Ten top tax saving tips]]></title>
<link>news/financial-focus/ten-top-tax-saving-tips.html</link>
<guid>news/financial-focus/ten-top-tax-saving-tips.html</guid>
<pubDate>Thu, 15 Mar 2012 14:41:05 +0000</pubDate>
<description><![CDATA[As I’m writing this, the end of the tax year is 34 days away. By the time you read it, the deadline will be a lot closer. Nobody likes paying tax, so it makes sense to do whatever you can to minimise the amount of tax that you pay and take advantage of all the allowances that are available to you. Remember, most allowances apply to one particular tax year – and once it has ended the allowances are lost. That’s why Thursday April 5th is such an important day.]]></description>
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<title><![CDATA[March market commentary]]></title>
<link>news/financial-focus/march-market-commentary.html</link>
<guid>news/financial-focus/march-market-commentary.html</guid>
<pubDate>Thu, 15 Mar 2012 13:35:01 +0000</pubDate>
<description><![CDATA[On Monday February 27th the German Bundestag approved the Greek bailout by 496 votes to 90. A few days earlier consent had finally been wrung from the Greek politicians, and the €130bn bailout now looks to be in place. Is the Greek debt crisis – the constant theme running through this monthly review – over at last? You would be unwise to bet on it. The move is unpopular with the German electorate (who recognise that they are largely going to pay for it): unpopular in Greece (where the far left are making significant gains in opinion polls) – and still looked on sceptically by many market commentators. Expect to see the words ‘Greece’ and ‘crisis’ in future reviews.]]></description>
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<title><![CDATA[Undersaving Britain]]></title>
<link>news/financial-focus/undersaving-britain.html</link>
<guid>news/financial-focus/undersaving-britain.html</guid>
<pubDate>Tue, 14 Feb 2012 10:55:30 +0000</pubDate>
<description><![CDATA[Pension saving is at its lowest level for 10 years according to recently published Department of Work and Pensions (DWP) analysis by the Family Resources Survey (FRS), a key source for pension information. The analysis came from interviews with around 25,000 private households across the UK in 2009 and 2010.]]></description>
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<title><![CDATA[Pensions Automatic Enrolment Timetable]]></title>
<link>news/financial-focus/pensions-automatic-enrolment-timetable.html</link>
<guid>news/financial-focus/pensions-automatic-enrolment-timetable.html</guid>
<pubDate>Tue, 14 Feb 2012 10:45:12 +0000</pubDate>
<description><![CDATA[Steve Webb, the Minister of State for the Department of Work and Pensions (DWP), confirmed the timetable for automatic enrolment in a recent Government announcement.]]></description>
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<title><![CDATA[What does the Bank of England MPC do?]]></title>
<link>news/financial-focus/what-does-the-bank-of-england-mpc-do.html</link>
<guid>news/financial-focus/what-does-the-bank-of-england-mpc-do.html</guid>
<pubDate>Tue, 14 Feb 2012 10:40:18 +0000</pubDate>
<description><![CDATA[A very powerful voice in the world of UK business and finance, the Bank’s Monetary Policy Committee (MPC) sets interest rates. In setting an interest rate, the MPC judges that the rate will enable the UK’s inflation target to be met.]]></description>
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<title><![CDATA[February market commentary]]></title>
<link>news/financial-focus/february-market-commentary.html</link>
<guid>news/financial-focus/february-market-commentary.html</guid>
<pubDate>Tue, 14 Feb 2012 10:22:56 +0000</pubDate>
<description><![CDATA[January got off to a predictably slow start, at least in Europe and it was January 9th before Angela Merkel and Nicolas Sarkozy met for talks. Unsurprisingly, they were worried about the credit crunch and – no surprise here either – Greek debt.]]></description>
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<title><![CDATA[Ethical Investments – an Overview]]></title>
<link>news/financial-focus/ethical-investments-–-an-overview.html</link>
<guid>news/financial-focus/ethical-investments-–-an-overview.html</guid>
<pubDate>Tue, 10 Jan 2012 12:32:09 +0000</pubDate>
<description><![CDATA[With the recent emphasis on sustainability and climate change, it would be easy to think that ethical investment is a relatively modern phenomenon. In fact, its roots can be traced back to 1758, when the Society of Friends (the Quakers) banned members from investing in the slave trade.]]></description>
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<title><![CDATA[Ten strategies for tax planning in 2012]]></title>
<link>news/financial-focus/ten-strategies-for-tax-planning-in-2012.html</link>
<guid>news/financial-focus/ten-strategies-for-tax-planning-in-2012.html</guid>
<pubDate>Tue, 10 Jan 2012 12:24:15 +0000</pubDate>
<description><![CDATA[Many of us will be making a New Year’s resolution to sort out our finances in 2012 – but an often overlooked part of putting your finances in order is making sure that your tax planning is effective. Are you claiming all the tax relief you’re entitled to? Are your investments arranged in the most tax efficient way?]]></description>
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<title><![CDATA[January market commentary]]></title>
<link>news/financial-focus/january-market-commentary.html</link>
<guid>news/financial-focus/january-market-commentary.html</guid>
<pubDate>Tue, 10 Jan 2012 12:07:48 +0000</pubDate>
<description><![CDATA[December saw the death of North Korea’s ‘dear leader’ Kim Jong-il, with command of the country seemingly passing to his youngest son – the ‘great successor’ – Kim Jong-un. But with sundry generals peering over the younger Kim’s shoulder tensions are likely to remain high, especially around the border with South Korea.]]></description>
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<title><![CDATA[Money Works: Winter Issue 2011]]></title>
<link>news/legislation-updates/money-works:-winter-issue-2011.html</link>
<guid>news/legislation-updates/money-works:-winter-issue-2011.html</guid>
<pubDate>Thu, 08 Dec 2011 08:34:17 +0000</pubDate>
<description><![CDATA[As you may have seen on the television and read in the newspapers, public sector pension schemes are currently the subject of calls for radical reform, largely because of the increasing cost to the public purse of funding these schemes - There are seven main schemes currently being reviewed: The Armed Forces, Civil Service, Fire Service, Local Government, NHS, Police, and Teachers schemes.]]></description>
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<title><![CDATA[New Staff member at MDM]]></title>
<link>news/financial-focus/daniel-collins-new-staff-member-at-mdm.html</link>
<guid>news/financial-focus/daniel-collins-new-staff-member-at-mdm.html</guid>
<pubDate>Thu, 08 Dec 2011 08:10:47 +0000</pubDate>
<description><![CDATA[we would like to extend a warm welocome to our newest team member, Daniel Collins, who will be working with and providing support to Chris Mealing and Mary Waring.]]></description>
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<title><![CDATA[Pay disparity slows the closure of the gender based savings gap]]></title>
<link>news/financial-focus/pay-disparity-slows-the-closure-of-the-gender-based-savings-gap.html</link>
<guid>news/financial-focus/pay-disparity-slows-the-closure-of-the-gender-based-savings-gap.html</guid>
<pubDate>Thu, 08 Dec 2011 08:06:25 +0000</pubDate>
<description><![CDATA[The seventh annual Scottish Widows Women and Pensions Report 2011, reveals that the number of women saving adequately for their retirement has reached the highest level in the report’s history, according to figures based on women who could and should be saving for retirement.]]></description>
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<title><![CDATA[Cost of motoring miles ahead of inflation]]></title>
<link>news/financial-focus/cost-of-motoring-miles-ahead-of-inflation.html</link>
<guid>news/financial-focus/cost-of-motoring-miles-ahead-of-inflation.html</guid>
<pubDate>Thu, 08 Dec 2011 08:02:03 +0000</pubDate>
<description><![CDATA[The RAC's annual Cost of Motoring index has revealed the average cost of keeping a car on the road to be a staggering £6,689 per annum, a rise of 14% (£819) on last year. That's an average of £128.64 per week and 55.74 pence per mile, but however you dress it up it is surely a hefty blow to Britain's already cash-strapped motorists.]]></description>
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<title><![CDATA[Which? Report Highlights Risky Investment Advice]]></title>
<link>news/financial-focus/which-report-highlights-risky-investment-advice.html</link>
<guid>news/financial-focus/which-report-highlights-risky-investment-advice.html</guid>
<pubDate>Thu, 08 Dec 2011 07:50:09 +0000</pubDate>
<description><![CDATA[According to a new Which? report, many high street banks and building societies are giving poor advice and recommending inappropriate investment products to elderly and potentially vulnerable consumers. Which? researchers, in an undercover investigation, found that only five out of 37 advisers in banks and building societies gave good advice about investments.]]></description>
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<title><![CDATA[December market commentary]]></title>
<link>news/financial-focus/december-market-commentary.html</link>
<guid>news/financial-focus/december-market-commentary.html</guid>
<pubDate>Tue, 06 Dec 2011 06:17:07 +0000</pubDate>
<description><![CDATA[When you realise that the ‘Italian 10’ trending on Twitter refers not to Antonio Cassano's goal against Northern Ireland but to the yield on the Italian 10 Year Bond, then you know the European debt crisis – and the consequent turmoil on the world stock markets – remains alive and well.]]></description>
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<title><![CDATA[Chancellor's Autumn Statement]]></title>
<link>news/financial-focus/chancellors-autumn-statement.html</link>
<guid>news/financial-focus/chancellors-autumn-statement.html</guid>
<pubDate>Wed, 30 Nov 2011 12:16:19 +0000</pubDate>
<description><![CDATA[Chancellor George Osborne delivered his Autumn Statement at lunchtime on Tuesday, November 29th against a backdrop of gloomy economic forecasts.]]></description>
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<title><![CDATA[Scottish Widows Women and Pensions report 2011]]></title>
<link>news/newsletters/scottish-widows-women-and-pensions-report-2011.html</link>
<guid>news/newsletters/scottish-widows-women-and-pensions-report-2011.html</guid>
<pubDate>Mon, 14 Nov 2011 03:43:17 +0000</pubDate>
<description><![CDATA[The debate on how to close the nation's mammoth savings gap continues to rage - and regularly at the fore of that debate is the issue of pension provision for women]]></description>
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<title><![CDATA[Generation gap – educating the young about finance]]></title>
<link>news/financial-focus/generation-gap-–-educating-the-young-about-finance.html</link>
<guid>news/financial-focus/generation-gap-–-educating-the-young-about-finance.html</guid>
<pubDate>Wed, 09 Nov 2011 13:50:07 +0000</pubDate>
<description><![CDATA[Research by Aviva surveyed 2,000 UK consumers in July 2011, including 988 over 50s. The research looked specifically at what advice the over 50s would give younger people about their finances.]]></description>
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<title><![CDATA[Affording care in later life]]></title>
<link>news/financial-focus/affording-care-in-later-life.html</link>
<guid>news/financial-focus/affording-care-in-later-life.html</guid>
<pubDate>Wed, 09 Nov 2011 13:40:21 +0000</pubDate>
<description><![CDATA[Aviva’s latest Real Retirement Survey Report shows that 70% of over-55s do not believe they should pay for care and the majority (81%) are either worried, concerned or terrified about meeting care costs if they are not provided by the state.]]></description>
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<title><![CDATA[Deposit accounts - the good, the bad and the ugly]]></title>
<link>news/financial-focus/deposit-accounts-the-good,-the-bad-and-the-ugly.html</link>
<guid>news/financial-focus/deposit-accounts-the-good,-the-bad-and-the-ugly.html</guid>
<pubDate>Wed, 09 Nov 2011 13:36:52 +0000</pubDate>
<description><![CDATA[On Thursday March 5th 2009 the Bank of England reduced its base rate to 0.5% where it has remained ever since – and with fears about European defaults and a possible double-dip recession stalking the economy, it is unlikely to rise in the near future. Indeed, some economists are predicting that any rise before 2014 is now unlikely.]]></description>
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<title><![CDATA[November market commentary]]></title>
<link>news/financial-focus/november-market-commentary.html</link>
<guid>news/financial-focus/november-market-commentary.html</guid>
<pubDate>Sun, 06 Nov 2011 07:25:39 +0000</pubDate>
<description><![CDATA[After three months of fairly constant bad news in this bulletin, it would be tempting to report October as the month when world stock markets turned the corner. Every major market rose and if you were lucky – or wise – enough to be invested in Argentina, you’d have seen gains of over 22%.]]></description>
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<title><![CDATA[October market commentary]]></title>
<link>news/financial-focus/october-market-commentary.html</link>
<guid>news/financial-focus/october-market-commentary.html</guid>
<pubDate>Wed, 05 Oct 2011 13:16:20 +0100</pubDate>
<description><![CDATA[September – a month when it was difficult to find any good news, with the headlines seemingly screaming “Crisis” and “Rescue package” on alternate days. In the UK, unemployment reached 2.5m and inflation rose: the US reversed the previous month’s positive news about jobs, stock markets fell around the world and UBS were hit by the losses of a rogue trader.]]></description>
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<title><![CDATA[Taxation in retirement – what you need to know]]></title>
<link>news/financial-focus/taxation-in-retirement-–-what-you-need-to-know.html</link>
<guid>news/financial-focus/taxation-in-retirement-–-what-you-need-to-know.html</guid>
<pubDate>Tue, 04 Oct 2011 11:14:47 +0100</pubDate>
<description><![CDATA[On reaching State Pension age you no longer pay National Insurance contributions, but you don't automatically stop paying Income Tax. Taxable income includes that from a State Pension and if this is more than the tax-free allowance, you will still be obliged to pay tax.]]></description>
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<title><![CDATA[Can I afford to retire?]]></title>
<link>news/financial-focus/can-i-afford-to-retire.html</link>
<guid>news/financial-focus/can-i-afford-to-retire.html</guid>
<pubDate>Tue, 04 Oct 2011 11:04:06 +0100</pubDate>
<description><![CDATA[Retirement has often been described as “the longest holiday of your life.” But attractive as that sounds, can you afford to pay for the holiday?]]></description>
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<title><![CDATA[Coming Soon - Junior ISAs]]></title>
<link>news/financial-focus/coming-soon-junior-isas.html</link>
<guid>news/financial-focus/coming-soon-junior-isas.html</guid>
<pubDate>Tue, 04 Oct 2011 10:57:05 +0100</pubDate>
<description><![CDATA[Junior ISAs (Individual Savings Accounts) will be available from 1 November 2011, following the end of Child Trust Fund (CTF) eligibility from January 2011. The Treasury says that Junior ISAs will ensure that all parents have a clear and simple way to save for their child’s future. They will initially allow parents, family members and friends to make tax-efficient savings of up to £3,600 annually per child.]]></description>
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<title><![CDATA[Capital Gains Tax - An Overview]]></title>
<link>news/financial-focus/capital-gains-tax-an-overview.html</link>
<guid>news/financial-focus/capital-gains-tax-an-overview.html</guid>
<pubDate>Fri, 02 Sep 2011 15:40:55 +0100</pubDate>
<description><![CDATA[Capital Gains Tax is a tax on the profit or gain you make when you sell, give away, exchange or otherwise dispose of all or part of a business asset, owned by yourself or by your business partnership.]]></description>
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<title><![CDATA[Stock Market Volatility - it's not all bad news]]></title>
<link>news/financial-focus/stock-market-volatility-its-not-all-bad-news.html</link>
<guid>news/financial-focus/stock-market-volatility-its-not-all-bad-news.html</guid>
<pubDate>Fri, 02 Sep 2011 15:34:23 +0100</pubDate>
<description><![CDATA[To say that the stock market has been volatile lately is an understatement. The FTSE (“footsie”), as it’s commonly known started life in January 1984 with a base level of 1,000 and peaked at an all time high of 6,950 on 30th December 1999. Since that high point it has fallen back below 4,000 and several times been above 6,000. At the time of writing, it stood at 5,130.]]></description>
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<title><![CDATA[September Market Commentary]]></title>
<link>news/financial-focus/september-market-commentary.html</link>
<guid>news/financial-focus/september-market-commentary.html</guid>
<pubDate>Fri, 02 Sep 2011 15:19:26 +0100</pubDate>
<description><![CDATA[At the end of July, President Obama and the US Senate were arguing over the debt crisis. But no sooner had a fragile truce been brokered than Hurricane Irene swept along the Eastern seaboard. Obama might well have echoed Harold Macmillan: “Events, dear boy, events.”]]></description>
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<title><![CDATA[New pension rules – a chance to benefit?]]></title>
<link>news/financial-focus/new-pension-rules-a-chance-to-benefit.html</link>
<guid>news/financial-focus/new-pension-rules-a-chance-to-benefit.html</guid>
<pubDate>Fri, 02 Sep 2011 15:12:45 +0100</pubDate>
<description><![CDATA[The Government has devoted a lot of its recent energies to pensions reform. First we had the changes affecting contributions and membership of company schemes and now we have changes to the rules for annuities and pensions drawdown.]]></description>
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<title><![CDATA[Travel money - what to expect]]></title>
<link>news/financial-focus/travel-money-what-to-expect.html</link>
<guid>news/financial-focus/travel-money-what-to-expect.html</guid>
<pubDate>Mon, 08 Aug 2011 09:53:41 +0100</pubDate>
<description><![CDATA[Between the beginning and end of July, the value of the pound seemed to fluctuate almost daily. Anyone going on holiday and wanting to make the best of the tourist exchange rate may have experienced great difficulty deciding when to change sterling in order to get the best deal.]]></description>
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<title><![CDATA[What does pension auto-enrolment mean for you]]></title>
<link>news/financial-focus/what-does-pension-auto-enrolment-mean-for-you.html</link>
<guid>news/financial-focus/what-does-pension-auto-enrolment-mean-for-you.html</guid>
<pubDate>Mon, 08 Aug 2011 09:50:00 +0100</pubDate>
<description><![CDATA[At present, many workers fail to take up valuable pension benefits because they do not make an application to join their employer's scheme. From 1 October 2012 (subject to an employer's own introduction date), all eligible workers will be automatically enrolled into their employer's qualifying pension scheme without any active decision on their part]]></description>
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<title><![CDATA[August Market Commentary]]></title>
<link>news/financial-focus/august-market-commentary.html</link>
<guid>news/financial-focus/august-market-commentary.html</guid>
<pubDate>Thu, 04 Aug 2011 11:26:49 +0100</pubDate>
<description><![CDATA[With the global economy in such a fragile state, one would think that politicians would be working together to find solutions. In the US, it seems that the politicians have been more concerned about getting one over on each other than ensuring the world's largest economy avoids defaulting on its debt obligations.]]></description>
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<title><![CDATA[A few words from George Martin]]></title>
<link>news/financial-focus/a-few-words-from-george-martin-our-retiring-group-specialist.html</link>
<guid>news/financial-focus/a-few-words-from-george-martin-our-retiring-group-specialist.html</guid>
<pubDate>Tue, 26 Jul 2011 09:54:23 +0100</pubDate>
<description><![CDATA[Recently one of our long standing members of staff, Geroge Martin, had to retire due to illness. Everyone at MDM  would like to take this opportunity to say a reluctant farewell to this solid trooper with many years of fond memories and service to the financial services industry.]]></description>
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<title><![CDATA[Scottish Widows UK Pensions Report]]></title>
<link>news/newsletters/scottish-widows-uk-pensions-report.html</link>
<guid>news/newsletters/scottish-widows-uk-pensions-report.html</guid>
<pubDate>Tue, 26 Jul 2011 09:26:19 +0100</pubDate>
<description><![CDATA[Scottish Widows produce their seventh annual report on the state of retirement savings across the nation.]]></description>
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<title><![CDATA[Company News - New Staff member at MDM]]></title>
<link>news/financial-focus/trish-white-new-staff-member-at-mdm.html</link>
<guid>news/financial-focus/trish-white-new-staff-member-at-mdm.html</guid>
<pubDate>Wed, 06 Jul 2011 10:51:38 +0100</pubDate>
<description><![CDATA[New to the team, but well versed in the financial sector, MDM are delighted to welcome Trish White to the company.]]></description>
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<title><![CDATA[July Market Commentary]]></title>
<link>news/financial-focus/july-market-commentary.html</link>
<guid>news/financial-focus/july-market-commentary.html</guid>
<pubDate>Tue, 05 Jul 2011 16:47:50 +0100</pubDate>
<description><![CDATA[The arrival of summer is sadly doing little to brighten the dark clouds and changeable economic forecasts ahead. There is still value to be found in some areas of the markets but this is getting harder for many fund managers to find. Both global and regional economic forecasts look fragile. Some questions remain to be answered, particularly around the western debt crisis and the sustainability of Asian growth.]]></description>
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<title><![CDATA[Debt: the new addiction]]></title>
<link>news/financial-focus/debt-the-new-addiction.html</link>
<guid>news/financial-focus/debt-the-new-addiction.html</guid>
<pubDate>Tue, 05 Jul 2011 15:40:08 +0100</pubDate>
<description><![CDATA[With widespread tales of the banks’ current reluctance to lend, it might seem that it’s now difficult to get into debt. But while the traditional providers of loans are being more cautious, new lenders are appearing who are ready and willing to offer short term loans – sometimes with true interest rates in excess of 1000%.]]></description>
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<title><![CDATA[Q&A on the National Employee Savings Trust (NEST)]]></title>
<link>news/financial-focus/national-employee-savings-trust.html</link>
<guid>news/financial-focus/national-employee-savings-trust.html</guid>
<pubDate>Tue, 05 Jul 2011 15:33:41 +0100</pubDate>
<description><![CDATA[The government has developed NEST to encourage more low and middle income earners to pay into a pension. At present, it is estimated that 10 million people in the UK have inadequate pension provision and this could lead to pensioner poverty when they retire.]]></description>
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<title><![CDATA[UK suffering from chronic lack of preparation for retirement]]></title>
<link>news/financial-focus/uk-suffering-from-chronic-lack-of-preparation-for-retirement.html</link>
<guid>news/financial-focus/uk-suffering-from-chronic-lack-of-preparation-for-retirement.html</guid>
<pubDate>Fri, 01 Jul 2011 11:44:32 +0100</pubDate>
<description><![CDATA[The seventh annual Scottish Widows UK Pensions Report 2011 has revealed worrying and widespread inertia when it comes to preparing adequately for retirement.]]></description>
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<title><![CDATA[A Note to the Younger Generations]]></title>
<link>news/financial-focus/a-note-to-the-younger-generations.html</link>
<guid>news/financial-focus/a-note-to-the-younger-generations.html</guid>
<pubDate>Fri, 01 Jul 2011 09:36:08 +0100</pubDate>
<description><![CDATA[The Government Department of Work and Pensions tells us that once retirement age is reached, every qualifying British citizen is entitled to the Basic State Pension. This is a regular payment made direct to individuals by the Exchequer, and is designed to act as an income to cover living expenses after retirement.]]></description>
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<title><![CDATA[Moneyworks Newsletter Summer 2011]]></title>
<link>news/newsletters/moneyworks-newsletter-summer-2011.html</link>
<guid>news/newsletters/moneyworks-newsletter-summer-2011.html</guid>
<pubDate>Tue, 28 Jun 2011 12:51:01 +0100</pubDate>
<description><![CDATA[Moneyworks Newsletter Summer 2011: Topical financial news for the personal investor]]></description>
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<title><![CDATA[Optimising the return-risk trade-off]]></title>
<link>news/financial-focus/optimising-the-return-risk-trade-off.html</link>
<guid>news/financial-focus/optimising-the-return-risk-trade-off.html</guid>
<pubDate>Sun, 05 Jun 2011 08:49:50 +0100</pubDate>
<description><![CDATA[The risk-return trade-off is a concept that every investor should be familiar with. Stated simply, it means that to gain a higher potential return on an investment, you have to accept more risk.]]></description>
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<title><![CDATA[June Market Commentary]]></title>
<link>news/financial-focus/june-market-commentary.html</link>
<guid>news/financial-focus/june-market-commentary.html</guid>
<pubDate>Wed, 01 Jun 2011 09:52:52 +0100</pubDate>
<description><![CDATA[A common theme in each market commentary introduction over the past few months has been 'continued economic uncertainty'; this month is no exception, nor can we see that there will be any likely change in the months ahead.]]></description>
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<title><![CDATA[How to help your children with University costs]]></title>
<link>news/financial-focus/how-to-help-your-children-with-university-costs.html</link>
<guid>news/financial-focus/how-to-help-your-children-with-university-costs.html</guid>
<pubDate>Wed, 01 Jun 2011 09:42:23 +0100</pubDate>
<description><![CDATA[With students facing an estimated £50,000 bill for a three-year degree from next year, parents are considering ways to help their children with university costs.

Research conducted by homesforstudents.co.uk has found that from 2012 the average student will have to find £48,503 over the course of a three-year degree. This is an increase of 55% from the cost for the average undergraduate today (£31,373) over their university career.]]></description>
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<title><![CDATA[MDM My Money May/June 2011]]></title>
<link>news/newsletters/duplicate-of-mdm-newsletter-january-2011.html</link>
<guid>news/newsletters/duplicate-of-mdm-newsletter-january-2011.html</guid>
<pubDate>Tue, 24 May 2011 11:46:53 +0100</pubDate>
<description><![CDATA[My Money Newsletter: Comments on personal finance issues in the United Kingdom for private investors]]></description>
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<title><![CDATA[Don't miss out - make the most of Inheritance Tax]]></title>
<link>news/financial-focus/make-the-most-of-inheritance-tax.html</link>
<guid>news/financial-focus/make-the-most-of-inheritance-tax.html</guid>
<pubDate>Tue, 24 May 2011 09:10:34 +0100</pubDate>
<description><![CDATA[According to the professional advice website, unbiased.co.uk, poor Inheritance Tax (IHT) planning will cost UK taxpayers £1.3bn this year.

And with the IHT exemption threshold frozen at £325,000 for three years, it’s essential to plan ahead and avoid overpaying taxes.]]></description>
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<title><![CDATA[May Market Commentary]]></title>
<link>news/financial-focus/may-market-commentary-from-mdm.html</link>
<guid>news/financial-focus/may-market-commentary-from-mdm.html</guid>
<pubDate>Tue, 03 May 2011 15:38:20 +0100</pubDate>
<description><![CDATA[Continuing economic uncertainty across the globe is weighing heavily on investors and policy
makers alike.  We seem to be a long way from a full recovery with many regional economies
feeling the pressure of the global squeeze coupled with their own domestic challenges.  Whether
it be the risk of the bubble bursting in South East Asia, sovereign debt problems across the
eurozone or Middle East unrest, there remains plenty of uncertainty on the road to recovery]]></description>
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<title><![CDATA[MDM Podcasts with Mary Waring]]></title>
<link>news/financial-focus/mdm-podcasts-with-mary-waring-a-man-is-not-a-financial-plan.html</link>
<guid>news/financial-focus/mdm-podcasts-with-mary-waring-a-man-is-not-a-financial-plan.html</guid>
<pubDate>Wed, 20 Apr 2011 10:52:39 +0100</pubDate>
<description><![CDATA[Mary Waring of MDM Associates talks to Brooklands Radio regarding her service of providing financial advice to women. The title of her talk is “A man is not a financial plan.”]]></description>
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<title><![CDATA[Equity Release - unlocking money from your home]]></title>
<link>news/financial-focus/equity-release-unlocking-money-from-your-home.html</link>
<guid>news/financial-focus/equity-release-unlocking-money-from-your-home.html</guid>
<pubDate>Wed, 20 Apr 2011 10:46:28 +0100</pubDate>
<description><![CDATA[If you are aged between 55 and 95, a homeowner and you want to access additional funds for whatever purpose, then you may be able to release cash from the value of your home. This is known as equity release and can be arranged through a Personal Equity Plan, negotiated and tailored to meet your particular circumstances and needs.]]></description>
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<title><![CDATA[Inheritance Tax: what you need to know]]></title>
<link>news/financial-focus/inheritance-tax:-what-you-need-to-know.html</link>
<guid>news/financial-focus/inheritance-tax:-what-you-need-to-know.html</guid>
<pubDate>Wed, 20 Apr 2011 10:37:22 +0100</pubDate>
<description><![CDATA[Inheritance Tax (IHT) must be a good candidate for the most loathed tax in the UK. Like its predecessor Capital Transfer Tax, IHT was originally designed to hit the very wealthy. But this situation has changed markedly. It’s now more likely to be the middle classes rather than high net worth individuals who end up paying IHT. The reason for that is twofold: escalating property values and an IHT threshold that has failed to keep pace with them.]]></description>
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<title><![CDATA[The Government's rationale for its Growth Review]]></title>
<link>news/financial-focus/the-governments-rationale-for-its-growth-review.html</link>
<guid>news/financial-focus/the-governments-rationale-for-its-growth-review.html</guid>
<pubDate>Wed, 20 Apr 2011 10:24:25 +0100</pubDate>
<description><![CDATA[The Government has announced a plan to put the UK on a path to sustainable, long-term economic growth. The Growth Review will continue for the rest of this Parliament to provide an ongoing focus on what the Government can do to support growth. The Government’s stated economic policy objective is to achieve strong, sustainable and balanced growth that is more evenly shared across the country and between industries.]]></description>
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<title><![CDATA[Company News - New Staff member at MDM]]></title>
<link>news/financial-focus/new-staff-member-at-mdm.html</link>
<guid>news/financial-focus/new-staff-member-at-mdm.html</guid>
<pubDate>Wed, 20 Apr 2011 09:57:16 +0100</pubDate>
<description><![CDATA[Mark went to the University of Leicester between 2006 and 2009 where he completed a BA History degree.  Since then he has gained financial services experience with firms in the Surrey area before joining MDM.]]></description>
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<title><![CDATA[Junior ISA plans revealed]]></title>
<link>news/financial-focus/junior-isa-plans-revealed.html</link>
<guid>news/financial-focus/junior-isa-plans-revealed.html</guid>
<pubDate>Mon, 18 Apr 2011 09:29:26 +0100</pubDate>
<description><![CDATA[On 31 March 2011, the Financial Secretary to the Treasury, Mark Hoban MP, published draft regulations detailing the Government’s new tax-free children’s savings accounts entitled 'Junior ISAs']]></description>
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<title><![CDATA[December 2010 Autumn tax updates: Pension Tax Relief]]></title>
<link>news/financial-focus/pension-tax-relief.html</link>
<guid>news/financial-focus/pension-tax-relief.html</guid>
<pubDate>Mon, 31 Jan 2011 15:36:10 +0000</pubDate>
<description><![CDATA[Reduction in annual allowance (AA)

In addition to previous announcements revised draft legislation and guidance has been released concerning the reduction of the AA.]]></description>
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<title><![CDATA[December 2010 Autumn tax updates]]></title>
<link>news/financial-focus/december-2010-autumn-tax-updates.html</link>
<guid>news/financial-focus/december-2010-autumn-tax-updates.html</guid>
<pubDate>Mon, 31 Jan 2011 14:49:06 +0000</pubDate>
<description><![CDATA[Pensions.
Removing the effective requirement to annuitise by age 75.
June’s Emergency Budget saw the new Government announce the end of so-called compulsory annuitisation at age 75.  A period of consultation followed; this has now closed and the decisions listed below set out the framework of the new regime.
The new rules will take effect from 6 April 2011.
One fundamental change we’ll all have to get used to is the removal from legislation of the terms ‘Unsecured Pension or USP’ and ‘Alternatively Secured Pension or ASP’.
USP is replaced by the term ‘Drawdown Pension (DP)’.
ASP is abolished completely.Decisions and summary of draft legislation:]]></description>
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<title><![CDATA[MDM Newsletter January 2011]]></title>
<link>news/newsletters/client-financial-newsletter.html</link>
<guid>news/newsletters/client-financial-newsletter.html</guid>
<pubDate>Mon, 31 Jan 2011 11:45:10 +0000</pubDate>
<description><![CDATA[Financial Newsletter January 2011: Comments on personal finance issues in the United Kingdom for private investors]]></description>
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<title><![CDATA[Contact-new]]></title>
<link>contact-new.html</link>
<guid>contact-new.html</guid>
<pubDate>Fri, 22 Oct 2010 12:25:49 +0100</pubDate>
<description><![CDATA[]]></description>
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<title><![CDATA[Transactional financial advice]]></title>
<link>about-us/our-service-propositions/transactional-financial-advice.html</link>
<guid>about-us/our-service-propositions/transactional-financial-advice.html</guid>
<pubDate>Mon, 11 Oct 2010 11:01:48 +0100</pubDate>
<description><![CDATA[This service is tailored for clients who require simple, straightforward quality financial advice, with no ongoing service built in.]]></description>
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<title><![CDATA[Bespoke financial planning]]></title>
<link>about-us/our-service-propositions/bespoke-financial-planning.html</link>
<guid>about-us/our-service-propositions/bespoke-financial-planning.html</guid>
<pubDate>Mon, 11 Oct 2010 10:58:53 +0100</pubDate>
<description><![CDATA[This is a detailed financial planning service covering specific areas of your financial life, supported by a first class ongoing service.]]></description>
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<title><![CDATA[Comprehensive financial planning]]></title>
<link>about-us/our-service-propositions/comprehensive-financial-planning.html</link>
<guid>about-us/our-service-propositions/comprehensive-financial-planning.html</guid>
<pubDate>Mon, 11 Oct 2010 10:55:24 +0100</pubDate>
<description><![CDATA[As the name suggests, this is a comprehensive financial planning service that suits clients with complex situations, requiring a high level of initial and ongoing planning.]]></description>
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<title><![CDATA[Legislation Updates]]></title>
<link>news/legislation-updates/</link>
<guid>news/legislation-updates/</guid>
<pubDate>Tue, 05 Oct 2010 13:55:24 +0100</pubDate>
<description><![CDATA[]]></description>
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<title><![CDATA[Investment management]]></title>
<link>services/specialist-services/investment-management.html</link>
<guid>services/specialist-services/investment-management.html</guid>
<pubDate>Thu, 30 Sep 2010 12:53:56 +0100</pubDate>
<description><![CDATA[Services for wealth preservation in a tax efficiency]]></description>
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<title><![CDATA[We are recruiting]]></title>
<link>about-us/we-are-recruiting.html</link>
<guid>about-us/we-are-recruiting.html</guid>
<pubDate>Thu, 30 Sep 2010 12:41:03 +0100</pubDate>
<description><![CDATA[Come and join the team]]></description>
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<title><![CDATA[Market Musings December 2009]]></title>
<link>news/financial-focus/market-musings-december-2009.html</link>
<guid>news/financial-focus/market-musings-december-2009.html</guid>
<pubDate>Thu, 09 Sep 2010 09:56:20 +0100</pubDate>
<description><![CDATA[Apart from Inmarsat, a mobile telecoms company, at no 9 the top 11 FTSE100 shares over the month were commodity-related, with gains of between 13% and 30%. Meanwhile, many financials had a poor month, led by a fall of nearly 21% by RBS. If you strip out THE 2% net contribution these mining stocks and RBS made to the FTSE100 it only nudges ahead less than one percent over the month]]></description>
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<title><![CDATA[MDM Newsletters]]></title>
<link>news/newsletters/</link>
<guid>news/newsletters/</guid>
<pubDate>Thu, 09 Sep 2010 09:46:19 +0100</pubDate>
<description><![CDATA[]]></description>
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<title><![CDATA[Financial Focus]]></title>
<link>news/financial-focus/</link>
<guid>news/financial-focus/</guid>
<pubDate>Thu, 09 Sep 2010 09:45:46 +0100</pubDate>
<description><![CDATA[]]></description>
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<title><![CDATA[News]]></title>
<link>news/</link>
<guid>news/</guid>
<pubDate>Thu, 09 Sep 2010 09:45:01 +0100</pubDate>
<description><![CDATA[]]></description>
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<title><![CDATA[Financial planning for women]]></title>
<link>services/specialist-services/financial-planning-for-women.html</link>
<guid>services/specialist-services/financial-planning-for-women.html</guid>
<pubDate>Wed, 25 Aug 2010 11:03:05 +0100</pubDate>
<description><![CDATA[Financial planning for women]]></description>
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<title><![CDATA[SMEs]]></title>
<link>services/specialist-services/small-to-medium-sized-companies.html</link>
<guid>services/specialist-services/small-to-medium-sized-companies.html</guid>
<pubDate>Tue, 24 Aug 2010 13:27:40 +0100</pubDate>
<description><![CDATA[We understand the needs of growing companies]]></description>
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<title><![CDATA[Group risk benefits]]></title>
<link>services/corporate-clients/group-risk-benefits.html</link>
<guid>services/corporate-clients/group-risk-benefits.html</guid>
<pubDate>Tue, 24 Aug 2010 12:55:31 +0100</pubDate>
<description><![CDATA[Protecting your workforce can be a cost effective benefit]]></description>
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<title><![CDATA[Mary Waring]]></title>
<link>advisers/mary-waring.html</link>
<guid>advisers/mary-waring.html</guid>
<pubDate>Tue, 24 Aug 2010 10:40:21 +0100</pubDate>
<description><![CDATA[Mary Waring BSc (Hons), Dip PFS, Chartered Financial Planner :: Associate]]></description>
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<title><![CDATA[AssetTV]]></title>
<link>resources/assettv.html</link>
<guid>resources/assettv.html</guid>
<pubDate>Fri, 20 Aug 2010 17:29:49 +0100</pubDate>
<description><![CDATA[Watch Asset TV here]]></description>
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<title><![CDATA[Reports]]></title>
<link>resources/reports.html</link>
<guid>resources/reports.html</guid>
<pubDate>Fri, 20 Aug 2010 17:29:17 +0100</pubDate>
<description><![CDATA[Click here to view our latest reports and guides]]></description>
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<item>
<title><![CDATA[Newsletters]]></title>
<link>resources/newsletters.html</link>
<guid>resources/newsletters.html</guid>
<pubDate>Fri, 20 Aug 2010 17:25:44 +0100</pubDate>
<description><![CDATA[Click here to view our latest Newsletters]]></description>
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<title><![CDATA[Podcasts]]></title>
<link>resources/podcasts.html</link>
<guid>resources/podcasts.html</guid>
<pubDate>Fri, 20 Aug 2010 17:24:04 +0100</pubDate>
<description><![CDATA[Click here to view our latest Podcasts]]></description>
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<title><![CDATA[Pension review]]></title>
<link>services/private-clients/pension-review.html</link>
<guid>services/private-clients/pension-review.html</guid>
<pubDate>Fri, 20 Aug 2010 15:24:25 +0100</pubDate>
<description><![CDATA[How your planning can be improved for the future]]></description>
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<title><![CDATA[How we charge]]></title>
<link>about-us/how-we-charge.html</link>
<guid>about-us/how-we-charge.html</guid>
<pubDate>Wed, 18 Aug 2010 15:25:57 +0100</pubDate>
<description><![CDATA[At MDM we tailor our charges to levels that match the needs of our clients...]]></description>
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<title><![CDATA[Solicitors and accountants]]></title>
<link>services/specialist-services/solicitors-and-accountants.html</link>
<guid>services/specialist-services/solicitors-and-accountants.html</guid>
<pubDate>Wed, 18 Aug 2010 14:22:47 +0100</pubDate>
<description><![CDATA[Providing advice to other professional firms such as Solicitors and Accountants..]]></description>
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<title><![CDATA[Specialist Services]]></title>
<link>services/specialist-services.html</link>
<guid>services/specialist-services.html</guid>
<pubDate>Wed, 18 Aug 2010 14:19:31 +0100</pubDate>
<description><![CDATA[In addition to our experience in dealing with the complete range of financial services,  we have also developed particular expertise in the following areas:]]></description>
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<item>
<title><![CDATA[Group pensions]]></title>
<link>services/corporate-clients/group-pensions.html</link>
<guid>services/corporate-clients/group-pensions.html</guid>
<pubDate>Wed, 18 Aug 2010 14:16:24 +0100</pubDate>
<description><![CDATA[Our specialists can help you source the best schemes]]></description>
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<title><![CDATA[Employee benefits]]></title>
<link>services/corporate-clients/employee-benefits.html</link>
<guid>services/corporate-clients/employee-benefits.html</guid>
<pubDate>Wed, 18 Aug 2010 14:11:43 +0100</pubDate>
<description><![CDATA[We aim to construct a package of flexible benefits]]></description>
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<title><![CDATA[Financial planning for women]]></title>
<link>services/financial-planning-for-women.html</link>
<guid>services/financial-planning-for-women.html</guid>
<pubDate>Wed, 18 Aug 2010 13:30:50 +0100</pubDate>
<description><![CDATA[Help to achieve a confident approach to financial matters]]></description>
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<title><![CDATA[Mortgages]]></title>
<link>services/private-clients/mortgages.html</link>
<guid>services/private-clients/mortgages.html</guid>
<pubDate>Wed, 18 Aug 2010 13:27:13 +0100</pubDate>
<description><![CDATA[Probably your biggest financial commitment]]></description>
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<title><![CDATA[Retirement planning]]></title>
<link>services/private-clients/retirement-planning.html</link>
<guid>services/private-clients/retirement-planning.html</guid>
<pubDate>Wed, 18 Aug 2010 13:25:09 +0100</pubDate>
<description><![CDATA[Retirement planning is not necessarily just about pensions]]></description>
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<item>
<title><![CDATA[Education fees]]></title>
<link>services/private-clients/education-fees.html</link>
<guid>services/private-clients/education-fees.html</guid>
<pubDate>Wed, 18 Aug 2010 13:24:32 +0100</pubDate>
<description><![CDATA[Planning to give our children the best start in life...]]></description>
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<item>
<title><![CDATA[Estate and inheritance tax planning]]></title>
<link>services/private-clients/estate-planning.html</link>
<guid>services/private-clients/estate-planning.html</guid>
<pubDate>Wed, 18 Aug 2010 13:22:51 +0100</pubDate>
<description><![CDATA[Careful planning can always help to minimize...]]></description>
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<title><![CDATA[Lump sum investments]]></title>
<link>services/private-clients/lump-sum-investments.html</link>
<guid>services/private-clients/lump-sum-investments.html</guid>
<pubDate>Wed, 18 Aug 2010 13:22:06 +0100</pubDate>
<description><![CDATA[Many people accumulate lump sums for investment...]]></description>
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<title><![CDATA[Wealth management]]></title>
<link>services/private-clients/wealth-management.html</link>
<guid>services/private-clients/wealth-management.html</guid>
<pubDate>Wed, 18 Aug 2010 13:21:27 +0100</pubDate>
<description><![CDATA[Accumulated wealth can sometimes feel like a burden...]]></description>
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<item>
<title><![CDATA[Holistic financial planning]]></title>
<link>services/private-clients/holistic-financial-planning.html</link>
<guid>services/private-clients/holistic-financial-planning.html</guid>
<pubDate>Wed, 18 Aug 2010 13:20:57 +0100</pubDate>
<description><![CDATA[Do you need help in setting achievable financial goals?]]></description>
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<item>
<title><![CDATA[Richard Perkins]]></title>
<link>advisers/richard-perkins.html</link>
<guid>advisers/richard-perkins.html</guid>
<pubDate>Tue, 17 Aug 2010 10:04:50 +0100</pubDate>
<description><![CDATA[Richard Perkins Dip PFS:: Associate Director]]></description>
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<item>
<title><![CDATA[About us]]></title>
<link>about-us.html</link>
<guid>about-us.html</guid>
<pubDate>Mon, 16 Aug 2010 14:59:58 +0100</pubDate>
<description><![CDATA[No hard sell, no sharp salesmen, just good advice in plain English with liberal helpings of common sense...]]></description>
</item>
<item>
<title><![CDATA[Up-to-date systems]]></title>
<link>about-us/up-to-date-systems.html</link>
<guid>about-us/up-to-date-systems.html</guid>
<pubDate>Mon, 16 Aug 2010 14:46:39 +0100</pubDate>
<description><![CDATA[We have effective systems in place to allow us to run our business in a systematic, low-impact manner...]]></description>
</item>
<item>
<title><![CDATA[Our service propositions]]></title>
<link>about-us/our-service-propositions.html</link>
<guid>about-us/our-service-propositions.html</guid>
<pubDate>Mon, 16 Aug 2010 14:35:33 +0100</pubDate>
<description><![CDATA[We tailor our advice to what best suits you and your needs...]]></description>
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<title><![CDATA[Les Andrews]]></title>
<link>advisers/les-andrews.html</link>
<guid>advisers/les-andrews.html</guid>
<pubDate>Fri, 13 Aug 2010 17:06:31 +0100</pubDate>
<description><![CDATA[Les Andrews :: Associate]]></description>
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<item>
<title><![CDATA[Tim Demery]]></title>
<link>advisers/tim-demery.html</link>
<guid>advisers/tim-demery.html</guid>
<pubDate>Fri, 13 Aug 2010 17:06:13 +0100</pubDate>
<description><![CDATA[Tim Demery :: Associate]]></description>
</item>
<item>
<title><![CDATA[Duncan Brown]]></title>
<link>advisers/duncan-brown.html</link>
<guid>advisers/duncan-brown.html</guid>
<pubDate>Fri, 13 Aug 2010 17:05:56 +0100</pubDate>
<description><![CDATA[Duncan Brown FCII :: Associate]]></description>
</item>
<item>
<title><![CDATA[Chris Mealing]]></title>
<link>advisers/chris-mealing.html</link>
<guid>advisers/chris-mealing.html</guid>
<pubDate>Fri, 13 Aug 2010 17:05:32 +0100</pubDate>
<description><![CDATA[Chris Mealing BA(Hons) Dip PFS:: Director]]></description>
</item>
<item>
<title><![CDATA[Lisanne Mealing]]></title>
<link>advisers/lisanne-mealing.html</link>
<guid>advisers/lisanne-mealing.html</guid>
<pubDate>Fri, 13 Aug 2010 12:35:28 +0100</pubDate>
<description><![CDATA[Lisanne Mealing APFS, MBA, Chartered Financial Planner :: Managing Director]]></description>
</item>
<item>
<title><![CDATA[Corporate Clients]]></title>
<link>services/corporate-clients.html</link>
<guid>services/corporate-clients.html</guid>
<pubDate>Fri, 13 Aug 2010 12:34:05 +0100</pubDate>
<description><![CDATA[Our objective is to provide the highest possible quality of service to clients, something that is increasingly rare in the financial services industry]]></description>
</item>
<item>
<title><![CDATA[Private Clients]]></title>
<link>services/private-clients/</link>
<guid>services/private-clients/</guid>
<pubDate>Fri, 13 Aug 2010 12:33:35 +0100</pubDate>
<description><![CDATA[We take a long-term view of client relationships and never ‘sell today and go away’]]></description>
</item>
<item>
<title><![CDATA[Resources]]></title>
<link>resources.html</link>
<guid>resources.html</guid>
<pubDate>Fri, 13 Aug 2010 12:31:27 +0100</pubDate>
<description><![CDATA[Download our latest guides to wealth and protection]]></description>
</item>
<item>
<title><![CDATA[Advisers]]></title>
<link>advisers.html</link>
<guid>advisers.html</guid>
<pubDate>Fri, 13 Aug 2010 12:29:56 +0100</pubDate>
<description><![CDATA[We have total confidence in the advice we give so our customers can have confidence in the financial solutions we arrange on their behalf.]]></description>
</item>
<item>
<title><![CDATA[Services]]></title>
<link>services.html</link>
<guid>services.html</guid>
<pubDate>Fri, 13 Aug 2010 10:53:40 +0100</pubDate>
<description><![CDATA[We are constantly improving the services we offer our clients and now take a very holistic approach helping them to set lifetime financial goals and plans to achieve what they want from life.]]></description>
</item>
<item>
<title><![CDATA[Our approach]]></title>
<link>about-us/our-approach.html</link>
<guid>about-us/our-approach.html</guid>
<pubDate>Fri, 13 Aug 2010 09:43:19 +0100</pubDate>
<description><![CDATA[No hard sell, no sharp salesmen, just good advice in plain English with liberal helpings of common sense...]]></description>
</item>
<item>
<title><![CDATA[Welcome]]></title>
<link>/</link>
<guid>/</guid>
<pubDate>Thu, 12 Aug 2010 12:39:53 +0100</pubDate>
<description><![CDATA[Bespoke, creative and holistic independent financial advice, Ripley Surrey]]></description>
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