Fraser Heath
The Stables
Says Court Farm
Badminton Road
Frampton Cotterell
Bristol, South Glos
BS36 2NY
Tel: 01454 327788
Fax: 01454 327799



Financial Advice News

Investment Committee Meeting Minutes January 2012

posted 25 Jan 2012 06:21 by Richard Ellis   [ updated 25 Jan 2012 06:24 ]

Despite talk of a double dip recession in the UK and the continuing Eurozone saga, signs of reducing unemployment and rising manufacturing rates in the US have resulted in a fragile return of confidence. CPI continues to fall and signs of continuing recovery in America could continue to encourage UK investor sentiment. 

A resolute coalition government seem keen to stick to their guns and push ahead with reform and further spending reviews to keep to their deficit cutting targets.

Merry Christmas!

posted 23 Dec 2011 05:26 by Richard Ellis   [ updated 23 Dec 2011 05:26 ]

The offices here at Says Court Farm will remain open throughout the holiday season with reduced staff and reduced hours. 

Our opening hours are;

Monday 26th December: Closed (Bank Holiday)
Tuesday 27th December: Closed (Bank Holiday)
Wednesday 28th December:   9am to 1pm
Thursday 29th December:      9am to 1pm
Friday 30th December:           9am to 1pm
 
Monday 2nd January:          Closed (Bank Holiday)
Tuesday 3rd January:          Business as Usual

We wish you all a very Merry Christmas and good health and prosperity for the New Year!

From all at Fraser Heath.

Investment Committee Meeting Minutes December 2011

posted 23 Dec 2011 05:15 by Richard Ellis   [ updated 23 Dec 2011 05:18 ]

Perhaps 2011 will be a year to forget for investors. We close at the Christmas period reflecting on the European currency woes with markets still not feeling any strong political conviction to cure the contagion. 

On behalf of the whole Fraser Heath team, we wish you a very Happy Christmas and a Prosperous New Year! 



Frazor Heath

posted 1 Dec 2011 14:17 by Financial Advice News   [ updated 1 Dec 2011 15:17 ]

With it being the first day of December homes dotted around Bristol will have heard the pitter-patter of excited feet jumping out of bed this morning. But for five members of Fraser Heath staff, it was not the prospect of opening the first window of the Advent calendar that got them enthused, but the prospect of ridding their faces of their Movember moustache.

The picture was taken on the 30th November and shows five of the team managing to raise a smile despite the weight on their top lips. But who do they look like? Well, we have a few ideas and you’ll need to click the link over to the Movember website to see who we think each person resembles. http://mobro.co/FrazorHeath

Please pop over to our Facebook page where you can add your comments. You can also post your comments on our Movember page with any other suggestions for who you think we look like. But most importantly please also donate - all funds raised help prostate and testicular cancer charities.

Thanks,
Frazor Heath

Investment Committee Meeting Minutes November 2011

posted 30 Nov 2011 02:41 by Richard Ellis   [ updated 30 Nov 2011 02:42 ]

Equity markets rallied during the beginning of October with investors switching from “risk off” to “risk on” positions as sentiment improved in the anticipation of a solution to the Eurozone crisis and volatility fell back.  While much of the important detail of the rescue package was still to be announced in the coming weeks, the initial market reaction was positive and gains were seen across all asset classes.

Movember

posted 15 Nov 2011 07:14 by Financial Advice News   [ updated 15 Nov 2011 07:30 ]

Some Fraser Heath clients may have been surprised to see a slightly more dishevelled look in their advisor this month. Jim Collier, Mark Fletcher, Alan Loomes and Miles Hendy are all sporting facial hair during the month of “Movember” to raise awareness and funds for Prostate and Testicular cancer charities.

Alan explained “Having recently experienced a family member affected by prostate cancer I wanted to do my bit to raise some money for this worthwhile cause. Encouraging my colleagues to join in meant strength in numbers not just for raising money but in sharing the ridicule in the office!”

“Growing a full and lonesome moustache takes a bit of courage,” Miles explained. “My early confidence was dented after being compared to one of the Chuckle Brothers. I know from personal experience that cancer is a devastating disease and it’s really important that we keep making advances in the fight against all types of cancer so I'm happy to take one on the chin for the cause. I hope that friends will support our efforts generously.”

Donations can be made to our Movember team “Frazor Heath” (can you see what we did there?) by clicking http://mobro.co/FrazorHeath. If sufficient donations are received we’ll even put photos of ourselves on the website with our moustaches for posterity!

Who would make decisions on your behalf?

posted 1 Nov 2011 09:05 by Richard Ellis   [ updated 1 Nov 2011 10:14 ]

When speaking with our clients there is often one conversation that is deemed more unthinkable than discussing financial implications of the death of a loved one; that is either yourself or your partner being incapacitated with dementia.

I simply cannot imagine a life without the one thing which can be taken for granted each waking day... control. Control over your thoughts, control over decisions and control in terms of living your life your way.

A recent report into Dementia found that: 

  • In the UK there are currently over 820,000 suffers 
  • 2.5 million people in the UK have a close friend or family member with dementia
  • 64% of people living in care homes have a form of dementia 
  • The financial cost of dementia to the UK is over £23 billion a year
  • Only 40% of people with dementia receive a diagnosis

Consider the financial wealth built up over your lifetime be it your property, investment assets, pensions from various employment, cash savings etc. Now imagine how difficult it might be to access these savings if you are incapacitated. The statistics above imply there is a 60% chance you will not receive a diagnosis. Perhaps you may make a financial decision which is neither sound nor logical which may unwittingly penalise your family?

How long could it take to sort your financial affairs? What are the likely legal costs involved once family affairs are out of control? What could be the impact on your loved ones?

These are all very relevant questions to an issue which is not going away. Government funding towards research in this area is very small compared with other major illnesses such as cancer and heart disease.

Fortunately there is a way to protect you and your family whilst you are of sound mind which can provide a straightforward solution to this problem.

A Lasting Power Of Attorney is a legal document which allows an individual (often referred to as a Donor) to nominate a person or people (referred to as Attorneys) to make decisions on your behalf should you reach a state where you no longer have the mental capacity to make certain decisions. 
A Lasting Power of Attorney can be divided into two groups, one that relates to your financial well being and one which refers to your health care and general welfare.

The Financial aspect allows the person you nominate as the Attorney to make decisions relating to your financial well being such as bank accounts, payment of bills, sale of property/investments, decisions with regard to financial products etc.
The Health Care aspect allows the person you nominate as the Attorney to make decisions relating to your use or refusal of treatment, along with your general health and welfare.

Just as a Will details your wishes to ensure that your family is provided for, a Lasting Power of Attorney can provide security for your family at a time when you are incapacitated for whatever reason.

At Fraser Heath we have built a network of trusted legal advisors who we can put you in touch with to arrange such affairs and perhaps at the same time ensure that your will is up to date and reflects your current wishes.

How would your financial affairs be taken care of if you became incapacitated?

Please contact us or for more information with regard to Lasting Powers of Attorney click here.



Fraser Heath - Office Opening Day

posted 24 Oct 2011 06:00 by Financial Advice News   [ updated 24 Oct 2011 06:00 ]

Fraser Heath had our official new office opening on Friday 21st October. Local MP and Minister for Pensions Steve Webb attended and said a few uplifting words in praise of our new offices and the work that we do for clients.

The event was attended by a number of clients and professional connections. Canapés, drinks and lunch were on hand and we’d like to thank those who attended for supporting us on our special occasion.

To view more photos from the day, please visit the album that we have uploaded to Facebook. While there, why not “like” our Facebook page? All our news items are posted to our Facebook page so if you’re a regular visitor to Facebook it’s a good way to keep up date with all the latest financial planning and Fraser Heath news.

Investment Committee Meeting Minutes October 2011

posted 24 Oct 2011 02:59 by Richard Ellis   [ updated 24 Oct 2011 03:00 ]

http://sites.google.com/a/fraserheath.co.uk/fraser-heath/_/rsrc/1264437472739/financial-advice-news/investment-committee-meeting-minutes/iStock_000009406551XSmall.jpg?height=132&width=200
We have seen an October rally in UK and Global equities of around 8%* as markets react to a credible European plan being put forward to support the region. October inflation figures jumped from 4.5% to 5.2% at the same time as one large insurer released study results indicating that just 3% of pensioners who bought a pension in 2010 included the option of inflation protection on their payments. For investors the message has to be stay diversified and stay invested.


*Based on the FTSE 100 index and the MSCI World Index 4th Oct - 21st Oct

Emails, Website and Finding our New Office

posted 19 Oct 2011 03:34 by Miles Hendy   [ updated 19 Oct 2011 03:34 ]

Having moved to Frampton Cotterell on 7th October 2011 from Chipping Sodbury we have had one or two teething problems to sort out. This included problems with broadband, emails and our website and we apologise to all our clients and connections who have been having difficulties making contact with us over the past few days.

We’re optimistic that everything is now fine with emails going forward but there may be a few emails that have failed to get through to us. If you had been expected a reply to an email that has not materialised please re-send your email through again and we will deal with it promptly.

We have also experienced a few problems with guests trying to find our office. In particular we have found that due to our rural setting the post code address is not always being accurately picked up by car Sat Nav systems. The road leading into Says Court Farm runs perpendicular to the Badminton Road, immediately to the left of the New Inn. The post code for the New Inn is BS36 2NT and this may be a better post code to use for your Sat Nav. We have created a new Find Us page on the website which will give you more details on how to get here.

1-10 of 80