Clive Barwell TEP FCSI CFP

Clive Barwell
TEP CFP Chartered FCSI

Accredited Member of the Society of Later Life Advisers

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Blog | Monthly Archives: May 2012

What attitude to investment risk should I adopt?

The lessons are twofold. Firstly, deciding on a medium to longer-term strategy backed by a prudent cash reserve. Secondly, not being distracted by short-termism part way through that longer journey.

I have received a lump sum, should I invest it?

Your inclination is just to leave the money on deposit because investing is too risky. Risk means different things to different people and, if you’ve never invested before, the prospect looks scary.

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Generic financial planning advice is not regulated by the Financial Conduct Authority. The views expressed on this site are those of Clive Barwell personally and do not reflect the view of any company or organisation with which he is associated.  Also, nothing in this site is intended to be, nor should be construed as being, […]

Should I Give My Home Away to Avoid Care Home Fees?

Giving your home away is an extremely bad idea for a number of reasons. Firstly, when you give your home away, you do exactly that, it is no longer your asset, it belongs to someone else.

Can I use my Will to save Inheritance Tax?

The moral of our three stories here is to regularly review your Will, particularly if it was drafted before 09 October 2007.

What is ill health retirement?

Ill health retirement encompasses two aspects of retirement, depending upon the severity of the illness. Firstly, a severe illness or disability that prevents the individual from ever again working – working in any capacity, not just their own job – but not immediately life-threatening, will enable that individual to access their retirement benefits early, i.e. […]

Do you prepare Self Assessment Tax Returns and give advice on complex tax matters?

No, whilst a thorough working knowledge of all personal tax rules and regulations is an essential part of my role, neither I nor Wren Sterling, will prepare a Self Assessment Tax Return or give detailed tax advice. Such work will be outsourced to a suitably qualified professional. I am happy to work with existing Accountants […]

Do you prepare Wills, Trusts or Lasting Powers of Attorney?

Yes, in addition to being a salaried employee of Wren Sterling, I am also a representative of Private Client Online.  I am a registered Trust & Estate Practitioner with experience in Wills and Trust dating back to 1971.  As with all my services, it is home-based, I take my Client’s instructions, Private Client Online prepares the documents and I […]

Do you only provide advice to elderly people?

No, I am a highly experienced financial planner and am able to advise people in all walks of life on every aspect of their financial affairs.  However, my areas of expertise are more suited to people who are at or post-retirement, so this is sector I focus on.  Generally, I only take on Clients under […]

How will Wren Sterling charge for any advice?

Since 31 December 2012 all independent financial advisers have been required by the Regulator to charge fees for their advice rather than receiving commission from product providers (other than mortgages and life assurance). An initial consultation and a subsequent discussion document are at the expense of Wren Sterling.  If, thereafter, regulated financial advice is required, […]

Who is Wren Sterling?

Wren Sterling describe themselves in the following terms: “Wren Sterling is a forward-thinking and confident UK-wide independent financial advisory business, founded in 2007. We navigate our clients through often complex markets that change frequently, by taking the time to understand their unique situation and advise from a completely independent standpoint.In the personal finance market, Wren […]

If I need advice, who will provide it?

This site only intends to provide generic information on financial issues relevant to people in the post-retirement sector. If you want specific financial advice, I will respond to your request in my capacity as a salaried Adviser with Wren Sterling Financial Planning Limited (Wren Sterling).  Wren Sterling is a national independent financial adviser, authorised and regulated […]

What is a retirement annuity?

To pick a route through the minefield of retirement annuities is extremely complex, so professional advice is a must.

Care Home Fees Planning: Wills

For example, if one Spouse is in care and the other is living at home, but then the one living at home dies, all the couple’s wealth will be in the hands of the patient and available to pay for their care. How can this be avoided?

Accredited SOLLA Advsior