RESOURCE CENTRE

The Roberts Mackie Winstanley Resource Centre has been designed to provide our clients with access to our personal finance magazines and financial guides which are packed full of informative and relevant financial news. Click on our guides below to view them.

Digital magazine

Financial guides

Financial factsheets

Investments

Building a diverse portfolio
No pain, no gain
Trust in your investments
Setting investment goals
Preparing for the risk of inflation
Inflation matters
Impact investing
Investment choices
Diversification, diversification, diversification
Investing for the future
Balancing act
Are you ready to invest?
Market sentiment
Get ‘wrapped’ up
Long-term investing
Investing for income
Investment wise
Currency Fluctuations
That shrinking feeling
Securing your financial future
Election 2017
Inside the mind of a scammer
Navigating markets
Road to Brexit
Origins of wealths
Income investment strategies
Investment company in ation busters
A little today, a lot tomorrow
Do you have an appetite for risk?
Don’t put all your eggs in one basket
Sustainable Investing
Creating the life you want
Lifetime Individual Savings Accounts
What dictates your investment approach?
Investment matters post-Brexit
2017 investment outlook
Designing a custom investment portfolio
Portfolio review
Pound-cost averaging
Reasons for investing

Retirement and pensions

Retirement longevity
What’s your magic number?
Tracing a lost pension
Freetirees
Dreaming of escaping a working life for retirement?
Preparing for your upcoming retirement
Protecting the value of your money
Do your numbers add up?
Wealth creation
Smart plans
Seize the day
Retirement options
Retirement income
Different life events
Managing risk
Emergency cash
Savings in retirement
Pretirement
Averting a later-life financial crisis
To transfer, or not to transfer?
Driving towards the next phase of your life
Pension freedoms
Financial freedom
Retirement wealth
Making the most of your pensions
Make it a date
How to make the most of your retirement
Avoiding hidden dangers in retirement
Will you make provision for all that you hold dear?
Planning the future you want
‘Miss List’
Retirement roulette
Pensions and Divorce
Countdown to retirement
Don't worry, be happy
Turbocharge your pension
Planning for your retirement
Shopping around for a better deal
New state pension age
Long-forgotten plans
Working 9 to 5
Retirement choices
Dreaming of an early retirement
Pension time bomb
Pension booster
Millions change retirement plans post–EU vote
Money purchase annual allowance
Gender savings gap widens
Income matters
Auto-enrolment
Planning for life beyond work
10 steps to a brighter retirement
Funding a comfortable retirement
Forgotten pensions
Freedom to choose
Lifetime Allowance
Pension changes from April 2016
Pension consolidation
PensionersCredit.pdf
Consolidating pension investments
Consolidating your pension pots
Pension reforms
Pension tax relief
Self-invested personal pensions
Retirement matters
Retirement planning

Financial planning

Choppy waters, not full-on gale
Healthy, wealthy and well advised
Goldilocks economy
Smart investments
Stocks & Shares ISA
For richer, for poorer
Millennials get real with the numbers
Safeguarding wealth for future generations
Money’s too tight to mention
To downsize, or not to downsize?
Wealth sharing between generations
Who wants to be a millionaire?
Estate planning
Divided on divorce
You have one life, so invest wisely
Relationship breakdowns
Sandwich Generation
Meaningful insights
Transferring ISAs
Do you have protection if the worst should happen?
Back to the future
ISA rules and InheritanceTax
Protecting you and your family’s finances
Your money, your choice
Generous grandparents
Financial goal-setting
Financial fitness
Why being over-40 is the new mid-20s
Life events
Beware of the scammers
Financial resilience
Market matters
Individual Savings Accounts
Do you have a financial back-up plan?
Savings black hole
Priceless education
Your wealth.Your legacy
Protect the things that mean the most to you
Growing care costs
Succession planning
Financially unprotected
Average age of divorce at an all-time-high
Funding future care costs
Advice matters
Savers ‘banking on ISAs’
Untying the knot
Protecting your finances and well-being
Hello LISA
Who will be opening a new ISA in 2017?
Don’t miss the ISA deadline
Saving for a rainy day
The critical factor
Financial protection
Financial support
ISA returns of the year
Individual Savings Accounts (ISAs)
‘It won’t happen to me’
Life insurance
New Lifetime ISA
Money’s too tight to mention
Lasting Power of Attorney
Protection matters
Saving for a rainy day
Wealth goal-setting

Tax matters

Give a triple boost to your children
Time to identify your tax planning opportunities?
Inheritance Tax concerns?
Protecting your estate for future generations
2018/19 tax changes
Tips to minimise the tax you pay
Year End Tax Planning
Inheritance Tax rule changes
Passing on wealth without further tax charges
Safeguarding wealth for future generations
Money Purchase Annual Allowance
Budget 2016
Buy-to-let and second homes
Capital Gains Tax
Higher tax receipts and lower debt interest
Inheritance Tax
Stamp duty new rules
Tax-efficient investments
Tax matters
New dividend tax regime

Wills and trusts

Why silence isn’t necessarily bliss
When I’m gone
Wealth preservation
Getting your affairs in order

Financial links

The following links will take you to other sites that are not connected to the regulated site of Roberts Mackie Winstanley. Neither Roberts Mackie Winstanley nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Money Advice Service
https://www.moneyadviceservice.org.uk/en
The Money Advice Service provides free and impartial money advice. This service was set up by the government to provide advice and guides to help improve your finances, tools and calculators to help you keep track and plan ahead, and support in person, over the phone and online.

Pension Wise
https://www.pensionwise.gov.uk
For free, impartial guidance on your pension options, you may find the government’s Pension Wise service useful. You can book a face-to-face or telephone meeting to discuss your options via the website. This service is not able to provide you with advice, nor does it recommend any products to you. Roberts Mackie Winstanley is authorised by the FCA to provide you with independent financial advice on your pensions and retirement options. Our advice is also impartial and we have the ability to access the whole of the market in order to provide you with advice and products that are suitable to your retirement needs.

DirectGov website: Check your State Pension
https://www.gov.uk/check-state-pension
Find out how much State Pension you might receive and calculate your State Pension age.

The Pensions Advisory Service
https://www.pensionsadvisoryservice.org.uk
The Pensions Advisory Service is a not-for-profit organisation that can provide general information about all pensions. Use this website to ask a question, search for info and use the planning tools to make sure your pension is working for you. The Pensions Advisory Service is free.

The Pension Protection Fund
https://www.pensionprotectionfund.org.uk/Pages/homepage.aspx
The Pension Protection Fund was established to pay compensation to members of certain occupational pension schemes in the event of the employer becoming insolvent.

The Financial Services Register
https://www.the-fca.org.uk/firms/financial-services-register
The Financial Services Register shows whether a firm you are using, or planning to use, is authorised or registered by the Financial Conduct Authority (FCA) and/or the Prudential Regulation Authority (PRA), or is exempt. You can search the Register for information on a firm, individual or financial services product by entering a name, reference number (FRN) or postcode.

The Financial Conduct Authority
https://www.the-fca.org.uk/consumers
Consumers can use the Financial Conduct Authority website to find out about their rights with regards banking, insurance, mortgages and financial advice. The site also includes some very useful information about the latest scams and how to avoid them, and how to complain about a firm.

The Financial Ombudsman Service
https://www.financial-ombudsman.org.uk
The Financial Ombudsman Service (FOS) is the official independent expert in settling complaints between consumers and financial businesses. The FOS deals with complaints against authorised firms that are still trading. If you make a complaint about our service and are not satisfied with our final response, you have the right to refer your complaint to the FOS, free of charge. Contact the FOS to register a complaint; call free on 0800 023 4567 or use the link for more information.

The Financial Services Compensation Scheme
https://www.fscs.org.uk
The Financial Services Compensation Scheme (FSCS) is the UK’s compensation fund of last resort for customers of authorised financial services firms. It deals with claims against authorised firms (those regulated by the FCA or the PRA) that are unable, or likely to be unable, to pay claims against them. This will generally be because a firm has stopped trading and has insufficient assets to meet claims or is insolvent. This website tells you what the FSCS covers and the compensation limits that apply. The FSCS is an independent body, set up under the Financial Services & Markets Act 2000 (FSMA). This service is free of charge.

TaxCentral
https://www.digita.com/taxcentral/default.aspx
TaxCentral provides tax calculators, including the payslip checker, tax information for UK taxpayers, and a comprehensive Tax Adviser listing.

HMRC
https://www.gov.uk/government/organisations/hm-revenue-customs
Use the HMRC website to access information and publications on self-assessment, PAYE for employers, tax credits, national insurance, income tax, VAT, child benefit, paying HMRC, and tax agents and advisers.