Financial Adviser specialising in retirement planning. A Dad to Freddie,Phoebe and Monty husband to Emma, lover of NUFC, cricket, golf and positive happy people
Such a hard call to make. Some can only afford the advice if their pension is transferred as fees come from the pension. I pride myself on offering free advice and analysis but know others will transfer just to get paid!! Feel for cash poor clients who can no longer afford advice
The FCA will ban contingent charging on DB transfers in all but a few pension transfer scenarios but will allow abridged advice as another route for consumers to have access to lower fees
https://t.co/ui8BhL7kf9
Sad for my #afc mates. Guy who should win the ballon d’or missed the crucial penalty. The team that plays football won and the irony that the team who won the league with so many decisions going their way concede a pen and also get robbed of a definite pen #champi̇onsleaguefinal
@TheAthleticFC@SkySportsPL Great strike but it also has to be the worst defending of the day. Even worse they had a corner 5 seconds earlier and had 3 on 2 then
The end of a horrendous season and what looks like will lead to an even worse summer. Howe may have the backing of the board but he clearly doesn’t have the backing of most of our team #NUFC
Actually fuck off #NUFC 3 on 2 at a corner and get away with it so we allow the exact same thing to happen straight away. Embarrassing. Get THIS season done and get most of the dross out
Pope, Botman, Bruno, Ramsey, Nick, Osula all excellent today. No bad performances other than the usual sub cameos. That is the formation and style of play going forward #NUFC
Football is just shit now. Amazing scenes ruined by #VAR yes arm across raya, yes trossard holding pablo with no eyes for the ball, yes rice arms around mavrapanos but more importantly there’s 10+ players in a two metre area. It’s a contact sport. #WHUARS