Author name: Richard Smith

Richard Smith provides financial guidance and training since 1988 and continues to train and educate individuals and business owners in those things that actually make money. My approach and training is one of the 'Kaizen' taking small but practical steps to improve your finances without an adviser. Focusing only on what works and what costs the least.

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NHS Pensions

Phillip Hammond speaks Orignally article appeared on MoneyMarketing a few weeks back. Hammond weighs in on pensions and property debate   The comments below are taken from the article and sum up some of these issues. There is a big problem with these schemes. Not only from a funding perspective, because the taxpayer is going

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Abbey Life Pensions | Abbey Life Sold To New Owner

  Today’s news seems to indicate that the pension provider/ life assurance provider Abbey Life has been sold for close to £1b by its German Owner Deutsche Bank. Interestingly Deutsche Bank is having some problems, mainly due to the heavy fines it’s received in recent years. Abbey Life are a pretty poor provider of pension

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