This week’s ‘Meet the Team’ blog is all about our Non Executive Director, Gary Lumby MBE. Gary plays a key role at Active both internally as part of the board and management team, and externally in representing the firm. Gary was awarded an MBE for Services to the Finance Industry in the 2008 New Year’s
This week’s ‘Meet the Team’ blog comes from Katie Davis, Chartered Financial Planner (Fellow). Katie began her Financial Planning career in 2006 at Natwest Bank, moving to HSBC in 2013 to look after Premier/High Net Worth clients. Katie joined Active in late 2014 shortly before gaining Fellowship status. Name: Katie Diane Davis (nee Gibson) Job
Welcome to the first of our “Meet the Team” blogs. We have a great mix of people here at Active and we thought you might like to find out more about us…. First up is Andrew Gilmore, Chartered Financial Planner & Paraplanning Manager. Andrew joined Active as an Apprentice in 2007 and has recently been
We are absolutely thrilled to welcome Vinay Bedi to the growing team at Active. Vinay joins us following a long career as Senior Investment Adviser at Brewin Dolphin and then UBS Wealth Management based in the North East. Teessider Vinay began his career in the industry almost 30 year’s ago as a Specialist Research Analyst focussing
We are so pleased to welcome Chloe Willmott to the Active team! Chloe, from Middlesbrough recently graduated from Teesside University with a First Class Honours Degree (in Sports Therapy). Prior to this, Teessider Chloe gained 3 A Levels at Prior Pursglove College in Guisborough. This is 22 year old Chloe’s first role in Financial Services,
April 2017 sees the introduction of rule changes that will significantly increase the tax cost for many landlords. If you are a landlord of residential properties, with just over six months until the changes are implemented, now is the time to review your tax position and decide if your rental properties will still be profitable.
We were thrilled to welcome our sponsored swimmer & Olympic Finalist Aimee Willmott back to Active House this week, for lunch with her sponsors. 23 year old Aimee, from Middlesbrough finished 7th in the 400m Individual Medley at last month’s Olympic Games (in Rio) in her first ever Olympic final. “I am always honoured and
The Results are in for Active! From humble beginnings in 2000, Active is now regarded as one of the leading independent Financial Planning firms in the North East following continued ‘Quality’ focus. Achieving Chartered Status in 2013 was the reward for many years of investment across the entire team, however, we have not stopped there.
Dave Bernstein joins Active as Independent Financial Adviser with 23 years experience in Financial Services. Dave’s career began at Royal London where he worked for 11 years gaining vast experience as a Financial Adviser, Sales Manager and Area Business Manager. In 2004 Dave joined Natwest as a Financial Adviser providing holistic financial advice to the
Emma Richardson is an experienced and highly qualified Independent Financial Adviser, who has been recognised for her talents in the area of Mortgages featuring in The Sunday Times’ ‘UK’s Top 250 Mortgage Advisers’ 2016. Emma was also included in The Sunday Telegraph’s ‘Top Rated Professionals’ supplement 2015, The Mail on Sunday’s Personal Finance Special Issue,
Following on from April 26th (of this year) when the Active ladies climbed Scafell Pike (England’s highest mountain) just around the corner is their greatest challenge yet. Active’s Operations Manager Rachel McCulloch, Independent Financial Adviser Claire Davison & Client Support Officers Karen Knaggs and Laura Richmond are taking part in this year’s Great North Run
Pensions may still be the best place for savings, even if you have reached your Lifetime Allowance (LTA). But confusion over contribution allowance may result in pension funding being switched off! ‘Allowance’ is the key here; it is not a ‘limit’ The latest in our “Mythbusters” series looks at some of the commonly held Lifetime
In November 2013 we changed our name to Active Chartered Financial Planners. Read more about why we did it. Achieving Chartered Status (for the company) was the culmination of a number of years of investment across the whole team. Our focus on Continuing Professional Development (CPD) across all levels, the creation and implementation of key
We awake to a brand new world. A world with many uncertainties, but not one that the experts hadn’t planned for. We, as Financial Planners therefore felt it important to keep you informed of the likely impact this may have for you, but also reassure you about the reality of the situation. Initial market reaction
We are so pleased to welcome Jake Ketteringham, our new Apprentice Client Support Officer to the Active team. 18 year old Jake, from Lower Worsall (near Yarm) has recently completed his A level studies in English language, Sociology, and Business Studies at Conyers College in Yarm. “After college I just wanted to dive straight into
Huge congratulations to Active’s sponsored swimmer Aimee Willmott who has been chosen to represent Great Britain at this year’s Olympic Games in Rio. 23 year old Aimee, from Middlesbrough has been swimming since the age of 5 and won her first race (50m backstroke) at just 9 years old. She went on to become National
Huge congratulations to our fantastic Active ladies (Cheyenne, Leslie, Laura, Rachel, Liza, Karen & Claire) who, on Saturday 23rd April climbed England’s highest Mountain, Scafell Pike (in the lake district). Starting at Seathwaite, the 7 ladies (along with 2 male guides) walked for 4 hours up to Stockley Bridge & Grainsgill before they reached the
In May 2015, Active’s male staff members and friends (of the firm) cycled the 140 mile trip from St Bees in Cumbria to Saltburn. The ride, otherwise known as the “Coast to Coast” took 3 days and the boys endured Whinnlatter and Hartside Pass in the first 2 days, climbing around 1,000 metres (on their
We are pleased to welcome a new Independent Financial Adviser to the Active team. Paul Rennolds will be based at Active’s Head Office in Thornaby. Paul has worked in the financial services industry for almost 20 years, beginning his career in 1996 with a local firm of Independent Financial Advisers and qualifying as a Regulated
Pensions Pensions still remain one the most tax efficient and legitimate ways of saving available to a UK tax payer, yet so many do not use the annual allowances available to them each tax year. Given the Pension Reforms that came into effect in April 2015 through ‘Pension Freedoms’, future access and tax efficiencies are
Stamp Duty Land Tax Changes Higher rates of stamp duty land tax (SDLT) on purchases of additional residential properties are expected to be finalised for the Spring Budget (16 March 2016). This is therefore expected to impact upon Private Landlords, or those looking to buy investment properties in the near future. The changes are as
Active has recently celebrated “work” anniversaries for 4 members of the Team. Independent Financial Advisers Colin Burke (Dip PFS) and Mark Dobing (Dip PFS) celebrate 15 and 10 years respectively with Active. Colin joined the firm in its infancy and has seen us develop more than anyone over this time. Mark then joined us in
Many of you will have spent the last month preparing for the year ahead. Personally that might include planning for a summer holiday or a New Year’s Resolution such as getting fit or losing weight. Here at Active, we are no different. Almost everything we now do for a client is around ‘planning’, for now
We are thrilled to welcome Ruth Conner to the Active Team as Marketing Manager. Ruth will be working closely with the directors to implement Active’s marketing strategy. This includes managing the website, blog and social media profile; planning and coordinating our events programme; maximising media coverage and supporting the team with marketing literature to maximise
As you probably already know, on the 25th November George Osborne presented the latest Autumn Statement and Spending Review. We all tuned in at the office to hear what plans the government had in store for the next few years and were relieved that there were no nasty surprises. As usual, we will talk our
Saving is straightforward right? Money goes into a bank account and there, it’s done… Here at Active we talk to clients a lot about ensuring that they are saving for their future, and you’d be surprised at how many savings myths we come across. In our latest edition of our Mythbuster series we look at
Our excited client support team was lucky enough to visit Rockliffe Hall this week for a tour and masterclass in customer service from the North’s only Five Star resort. Not only was this an excellent opportunity to get some hints and tips from an organisation operating at the cutting edge of customer service, but it was
Read more about why we spend so much time asking you so many questions, and what we do with the answers.
After a fairly low key budget earlier in the year we were expecting to see bigger changes in the Summer or Emergency Budget 2015 and we weren’t disappointed. We’ll be working through and speaking to clients about the impact of the changes, but in the meantime here is an overview of the key elements.
Read more about your legal obligation as an employer to provide a workplace pension, and some of the things you should consider in setting up your plan.
We understand here at Active that the world of personal finance can seem like a minefield – everyone seems to have an opinion, but how can you be sure who is right? Since Pension Freedom 2015 came into effect we’ve noticed lots of new pension-related myths. So here we are to bust them!
Snapped chains, shredded tyres, lost room keys…we had it all. But in the end, despite all of the challenges along the way, a triumphant team from Active Chartered Financial Planners made it all the way from St Bees in Cumbria to Saltburn on our bikes. On 15th May our team of Active staff and
Do you have a child who was born between 1st September 2002 and 2nd January 2011? If you do, then they probably have a Child Trust Fund (CTF). All children born between those dates were issued a cheque for at least £250 as an initial deposit for a special kind of savings account. These
Next time you have a pension review and are expecting to focus your time on planning for a happy and well-funded retirement, don’t be surprised if your adviser moves on the conversation (delicately, of course) towards what should happen in the case of your death. It isn’t a morbid fascination, in fact since new legislation
After a great performance at the British Swimming Championships in London in April we are proud to hear that our sponsored athlete Aimee Willmott has secured her place in the British Team and will be racing at the FINA World Championships in Kazan. This isn’t the first time Aimee has represented Great Britain – she
This year on 6th April the UK saw one of the biggest changes in pension arrangements we have ever seen. Changes in the way that you can access your pension pot as well as changes in what happens to your money if you pass away open up a range of new options. Much has been
We were watching the budget today with baited breath, particularly given the predictions around Pension changes and possible investment for the North of England. In the end it was the reduction in the Pension Allowance to £1million which had the biggest impact on our team. We will be working through the implications for our clients
When you’re having a lie in on a Sunday morning, spare a thought for our team at Active Financial who will probably be out training somewhere for our latest fundraising challenge! On 15th May a team from Active will head off from the beautiful village of St Bees in Cumbria in order to tackle the
It’s that time of year again – we are coming up to the end of the tax year which this year means the end of the day on 5th April 2015. That means you have a last chance to take advantage of the allowances provided to you by HMRC. Here is a quick rundown of
Deciding on the right mortgage for you is a tricky process, and can be an intimidating prospect. Our Advisers share their thoughts on some ways you can make it more straight forward…. Get clear on what you can realistically afford. What is your financial position, do you have savings in case of disaster, do you
Why not start 2015 by getting your finances in check! Our Advisers share their thoughts on some ways you can make it more straight forward…. Work out where you are financially – how much are you spending, what are you earning, what are your financial prospects. It may be hard to face sometimes, but the