The Official Blog of Trevor Downing
The Blog hub for Trevor Downing Financial Management, based in the heart of Kent. Here, you can access the latest market analysis and comprehensive financial planning guides. Stay ahead of regulatory changes and gain the knowledge you need to achieve your personal financial objectives.
The Downing Brief: Don’t Let Your Pension Fund Become a Tax Trap
I know we have to wait a few weeks to see whether the horror change in the last Budget are implemented. I expect they all will be. We should not rush into making changes to our affairs for a little...
The Downing Brief: How Buffett Proved the Power of Passive Investing
I recall back in 2007 in America a well-known hedge fund manager openly and publicly challenged Warren Buffett to a bet that the hedge fund manager would beat any investments that Warren Buffett...
The Downing Brief: 30 Years On—Still Ignoring Wills and Pensions
I continue to be surprised and disappointed to see that so many people when it comes to putting in place the right tax efficient Wills or indeed investing money to build an income, when they retire...
The Downing Brief: The Lifetime Mortgage You Might Regret Ignoring
The real benefits of a Lifetime Mortgage for Equity Release. I want to address the benefits and the fears of this enormous unlocking opportunity. A Lifetime Mortgage can be such a powerful tool...
The Downing Brief: Why Private Medical Insurance Is No Longer a Luxury
This year I experienced the real benefit of my company having in place a Private Medical Insurance arrangement. It is more costly than having a Group Life Assured arrangement or...
The Downing Brief: When One Spouse Dies—How to Avoid a Financial Lockout
I have seen so many times over the years where one spouse has died the remaining spouse whilst waiting for Probate often has great difficulty in paying bills because they never had a joint bank...
The Downing Brief: How a Simple Online GP Visit Made All the Difference
Many of us know only too well the frustrations of trying to get an appointment with a GP and often with long delays. Not only that when we do get an appointment we have to travel and sit in a...
The Downing Brief: Mortgage Complacency Costs More Than You Think
Complacency, probably for most of us, comes when investing or borrowing money. It extends to also putting in place the right tax efficient Wills, financial planning to achieve our financial goals...
The Downing Brief: How Equity Release Could Save You 40% in Inheritance Tax
Sometimes when people hear certain terms mentioned there is an initial immediate rejection which I believe for many is a big mistake. This is certainly the case for Lifetime Mortgages...
The Downing Brief: 2027 Pension Tax Changes—Planning Before It’s Too Late
I will be 75 in February, 2025. In relation to my pension of around £1.5 million it would be a good idea to die before then although I would rather not. If I departed this world before age 75 my...
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Trevor Downing IFA is a Trading Style of Trevor Downing Financial Management (IFA) Limited. Trevor Downing Financial Management (IFA) Limited is authorised and regulated by the Financial Conduct Authority. Trevor Downing Financial Management (IFA) Limited is entered on the financial services register https://register.fca.org.uk/ under Firm Reference: 118176. Trevor Downing Financial Management (IFA) Limited is Registered in England at Companies House: 01829773
The information contained in this website ultimately relates to UK regulatory regime and is therefore restricted, and only relevant to consumers based in the UK.
Information contained on this website is not, and should not in itself be construed as, financial advice which can only be provided upon full appraisal and consideration of your individual circumstances.
If you wish to register a complaint, please write to: complaints@downingfm.co.uk . A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on requests and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at: https://www.financial-ombudsman.org.uk or on: 0800 023 4567.
The value of your investments can go down as well as up, so you could get back less than you invested.