Welcome to our newsletter for October 2016. This newsletter combines the articles that we have published on our site since we last published a discrete newsletter. We provide the newsletter in this format so that you have a single, portable document that you can read at your leisure.

In this newsletter, we introduce a new column – our monthly review of the state of the market. We also examine recent research that has revealed that insurers are systemically trying to refuse claims as a way of boosting profits – a must read for anyone paying insurance premiums. (The good news: claims are far less likely to be knocked back when an adviser is involved than when a client organises their own insurances). We also tell a heart-warming tale of a client, Shirley, and the difference decent financial planning is making to her retirement, before closing with a discussion of why we chose to be a non-aligned financial adviser.

Please feel free to share this newsletter with anyone you think would find it helpful. And please also free to get in touch with us if there is anything that you would like to discuss about its contents.