Ryan Phelps

[Ryan Phelps @RyanPhelpsCFP]

@benkbullock @Glinner Sara Pascoe and Sarah Millican

[Ryan Phelps @RyanPhelpsCFP]

@dontdelay Blending the benchmarks on FE Analytics to get the correct risk adjusted return for a given Fund/Portfolio is the only way to go for standard industry comparators.

[Ryan Phelps @RyanPhelpsCFP]

@nicklincoln “Those with the money are eccentric. Those without, insane.”

Movie Trivia guess for you @nicklincoln 🎥 🍿

[Ryan Phelps @RyanPhelpsCFP]

@dontdelay @JonathanRowley1 Exactly this - it still sits in a tax free growth environment. Who knows where we might be in 4 years time…. can’t see Labour winning again, but what do I know. The only thing certain is uncertainty!

[Ryan Phelps @RyanPhelpsCFP]

@JonathanRowley1 @dontdelay Yes of course, but they can potentially compound the Pension Pot higher and increase eligibility to more Tax Free Cash down the line, subject to the LSA.

[Ryan Phelps @RyanPhelpsCFP]

@dontdelay They’ve gone easy on Pensions today, I wonder if tax relief reforms is the major ace card they’ve kept up their sleeve to play that hand down the line 🎰 🃏

[Ryan Phelps @RyanPhelpsCFP]

@downdutch @AMcKellar89 @AlanJLSmith @TheSecretAcct Downsizing Main Residence is a good strategy too, which will release some capital to gift and hopefully spend some too! Life is for “living” after all.

[Ryan Phelps @RyanPhelpsCFP]

@downdutch @AMcKellar89 @AlanJLSmith @TheSecretAcct Yeah, the sweet spot is really Cash Deposits and ISA’s to avoid the obvious friction of potential CGT and of course legal fees if it’s Property Assets.

[Ryan Phelps @RyanPhelpsCFP]

@downdutch @AMcKellar89 @AlanJLSmith @TheSecretAcct Well say you had £500k of Cash/Investment ISA’s between a couple and your estate was £2.2m, gifting at least £200k would reinstate the RNRB. Of course, tricky/messy if the value is largely your main home.

[Ryan Phelps @RyanPhelpsCFP]

@downdutch @AMcKellar89 @AlanJLSmith @TheSecretAcct It’s the last sentence in the article that is the key bit of why it’s wrong. Did it highlight gifting assets to reinstate the RNRB? Great strategy for anyone who is marginally over the £2m.

[Ryan Phelps @RyanPhelpsCFP]

@downdutch @AMcKellar89 @AlanJLSmith @TheSecretAcct Unfortunately the article is wrong, it’s £2.7m.

[Ryan Phelps @RyanPhelpsCFP]

@downdutch @AMcKellar89 @AlanJLSmith @TheSecretAcct Why is there no allowance after £2.2m?

[Ryan Phelps @RyanPhelpsCFP]

@SukiMackinder3 @NoVATonschools @KirstieMAllsopp Many people could afford it before a 20% hike, that’s the equivalent of 4 years standard fee increases in one year plus the standard 5% “normal” increase! Per child! 25% uplift overnight all paid from taxable “net income” 🤯

[Ryan Phelps @RyanPhelpsCFP]

@realspidermannn @AlanJLSmith And then they log in every day. Lose all sense of rationalism and panic on the inevitable temporary declines. The days of annual statements were a blessing in disguise. “Ignorance is bliss”.

[Ryan Phelps @RyanPhelpsCFP]

@MavenAdviser @AdviserPodcast Sorry I can’t make it tomorrow, gutted. I’m looking forward to seeing how the banter goes when you’ve had 3/4 pints 🍻 pre-event 😂

[Ryan Phelps @RyanPhelpsCFP]

@Adam_Hosker @AlanJLSmith Likely not.

[Ryan Phelps @RyanPhelpsCFP]

@AlanJLSmith Is this in local USD currency 💵 so you can’t see the “benefit” of GBP weakening over that timeframe for UK 🇬🇧 investors?

Is it inflation adjusted?

[Ryan Phelps @RyanPhelpsCFP]

@Ddimyngorrach @AlexandreRiley Stop ruining the “unsuitable recommendation” 😂 it was all done for greed 🙄

[Ryan Phelps @RyanPhelpsCFP]

@MeRichEllis @Gibson_XL @AlihussainST My clients get it, I make sure they do - admittedly it’s not as simple to explain as a clean initial advisory fee.