Weighing Up the Cost of Financial Advice

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The cost of investing in a financial advisor can seem daunting, especially to those who are unsure of the benefits that an advisor can bring. Unfortunately, this leads to many questioning the worth of spending on professional advice when they could “do it themselves”, however we all know it’s

Should I be Thinking About the Cost of Care?

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financial planning care
Who in our family may need long-term care? Do I have sufficient funds to pay for future long-term care fees? How long will I need in order to pay for a care plan? These are questions that none of us like to dwell on too much when ourselves and our loved ones are in the prime of life. However, the im

The Most Commonly Made Money Mistakes by SMEs

Posted by Craig Gibson on

financial plan
Managing the finances of your business can be a daunting and difficult task, the complexity of which we here at AGL truly understand.Business owners often have to make financial decisions in the moment whilst considering the impact of that decision upon the future. Add a little pressure (from ti

Parties Under the Microscope: Infrastructure

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election & UK infrastructure
In the next of our Parties Under the Microscope series, we’re talking UK infrastructure. A hugely important issue yet it can often be difficult to engage voters on the topic. Why? Massive investments and long timelines make for a nuanced discussion which can often lag behind in a short te

Parties Under the Microscope: Education

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education
Nurseries, schools, apprenticeships, colleges and universities; all of which will be affected by the party that is elected on the 8th of June. Education continues to play a prominent role during this campaign period, with each of the main political parties setting out how they plan to address some o

Parties Under the Microscope: Taxation

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Manifestos and tax
This blog is the first in our Parties Under the Microscope series, where we’ll be taking a comparative view of some of the nation’s most hotly contested issues in the run-up to the General Election. The impending election will be a hugely influential factor in how the future looks for a

TATA Steel and the Complications of Defined Benefit Pension Schemes

Posted by Craig Gibson on

pension scheme
Tata Steel has made headlines over the last week with news of a deal ‘in principle,’ which could put an end to their long-fought pensions debacle. 

Improving Employee Engagement with Voluntary Rewards

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employee engagement
Retaining the best employees in a climate where budget cuts are all too common can be a tough task for organisations. However, maintaining a high-level of employee engagement is arguably even more important in times of financial constraints.Top talent helps to drive profitability. Highly engaged

Britain Signs Article 50, What Now?

Posted by Craig Gibson on

brexit
Prime Minister Theresa May has signed the six-page document that will trigger Britain’s exit from the European Union. The document triggering Article 50 of the Lisbon Treaty was delivered at 12:30 GMT to Donald Tusk, thus formally notifying the EU of the country’s intent to depart from the union

Snapchat and the IPO Process

Posted by Craig Gibson on

snapchat investment
IPO stands for ‘initial public offering’. It marks the first time that shares of a privately held company are offered to the public. In early March, Snap, the company behind social media platform Snapchat, entered the stock market. Their entrance was not only much talked about because of the siz

What Can We Expect from the Spring Budget 2017?

Posted by Craig Gibson on

Tomorrow, Philip Hammond will deliver his first ever Spring Budget. It will also be the last of its kind, as the Chancellor has previously decreed that country’s primary fiscal statement will now take place in the Autumn. Whilst many believe that tomorrow’s budget may make for a non-event, other

How Much Do You Know About Your Pension?

Posted by Craig Gibson on

Whilst pensions seem to have a near constant presence in the media, it has become apparent that not many of us know much about our own. Many a discussion has taken place over the last 2 years over what to do when you have access to your pension. However, those who have not yet hit retirement age rem

Big Ticket Benefits for SMEs

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In a time of financial constraints and where companies are reducing budget spend, it is even more important to retain and attract the best employees to drive profitability.Along with salary and a workplace pension, employers have tended to look towards tradition methods of employee engagement by

The Adviser Q2 2016

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Welcome to the latest edition of our newsletter, our update on developments in the world of financial services. In this issue we take a look at Equity Markets, Brexit Uncertainty and the Eurozone.Download the PDF

Article from the Sunday Herald

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Ruth Allen interviews Craig T. Gibson, MD of AGL Wealth Management Ltd for the Sunday HeraldTell us about your company
  • AGL Wealth Management Ltd was formed in 2009. Currently we have seven senior professionals, located at our two offices at 241 St Vincent Street

Article from the Scotsman’s Vision Scotland

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AGL Wealth Management has combined innovative ‘robo-advice’ with highly personalised client support to carve out a successful niche in the financial advisory world. DAVID LEE asks its Senior Wealth Manager Steven Sweeney and Managing Director Craig Gibson about its “practical but innovativ

Creating the Blended Adviser Experience

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Much has been written about the surge of the “robo-adviser” and the impending doom it signals for the traditional financial adviser business model. Such press is giving many advisers and clients alike pause: is this simply a short-term fad, or is something bigger happening? Like most things in l

The Adviser Q1 2016

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Welcome to the latest edition of our newsletter, our update on developments in the world of financial services. In this issue we take a look at the European Union (EU), Markets, ISAs and Stocks & Shares.Downl

Cash Flow Forecasting

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A process in managing expectationsThere are three basic variables in financial planning: your objectives, the resources you have to commit to achieving them, and the risk you are prepared to take. The relationship between these three parameters can be brought together using cash

The Adviser Q4 2015

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Welcome to the latest edition of our newsletter, our update on developments in the world of financial services. In this issue we take a look at Global Markets, House Markets, Interest Rates and Dividend Tax.Downl

The rise of the robo-adviser

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2015 was defiantly the year that robots finally arrived in the UK investment area. So-called robo-advisers, or automated investment services, are now firmly established in the US, where fund groups and specialist firms have pioneered algorithm-based investing, and it seems momentum is now gathering

Enhancing the client experience through collaboration

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Spread over a series of 4 coaching sessions a few weeks apart, Morisons LLP Edinburgh Private Client Team and AGL delved into what clients really want from their professional advisers and how best we could deliver these results by working together and 'rewiring' our thinking with some practical yet

The Adviser Q3 2015

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Welcome to the latest edition of our newsletter, our update on developments in the world of financial services. In this issue we take a look at International Markets, Latest Budget, Pensions and the Housing Market.

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Published in the Scotland on Sunday - 26/07/15Download the PDF here

The Financial Planners Guide to the Summer Budget 2015

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Two months and a day after the general election, George Osborne presented his seventh Budget – and second of 2015 – against a political background which few had expected in early May. This was the first purely Conservative Budget since Ken Clarke’s finale, back in November 1996. According to s

Your quick guide to understanding the financial planning process

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Taking advice can be a daunting process, whether you are looking to take financial advice for the first time or whether you’ve taken financial advice in the past.  Our finances often take a low priority because they can be complex and the advice process can be boring and ridged.  Clients appreci

3 Reasons to Protect Your Business

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What is the most important asset in your business?  Or should that be who?What would happen if one of your key employees suffered an illness or a premature death? Would there be financial implications in the day to day running of your business?Or what would the financial consequences be if

Understanding the importance of Considerations and Strategy to your investments

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Often in the financial services world we speak in terms that aren’t used in everyday language.  It’s always our goal to communicate effectively, but it’s not always possible to stay away from the industry language.  So we’ve chosen to add a glossary of the common terms within this post.

There’s a flood coming, anyone know how to build a boat?

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In this scenario the flood is in the context of pension Auto Enrolment, and thankfully we’re highly skilled boat builders (solution providers). As the proverbial highly skilled boat builders we aim to highlight the issues for employers around AE, and more helpfully options around r

Welcome to AGL Wealth Management

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Too often, clients of investment managers and financial advisers are unclear about the true nature of their relationship with the person they’ve trusted to help them, including how and how much that person is compensated. I believe your adviser should be working for you rather than

Advising the SME Market

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Whether you run a small, medium or large enterprise, there will be a need to consider the implications for you in the areas below. The AGL Corporate Services Team have many years’ experience advising companies of varying size, as well as advising senior management on their own personal circumstanc

Employee Benefits – Helping your company stand out from the crowd

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Many thanks to all those who attended the “Employee Benefits – Helping your company stand out from the crowd” seminar run in conjunction with HR Consultancy this week. The feedback thus far has been incredibly positive which supports what I have been hearing in the market, that employers are m

Could it be time to change your financial adviser?

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Having an experienced and switched-on financial planner on your side is useful when it comes to making important decisions about your investments and retirement. Sure, you could make all those decisions yourself, but a financial adviser can provide you with counsel that comes from years of analysing

Auto-enrolment – working with professional advisers is the key to success

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Fulfilling the duties laid down by Pension Automatic Enrolment will prove a challenge not only to employers across the UK but also to the Professional Advisers that support them. It is perhaps more important than ever that Advisers from across the Corporate Advice community work together to assist c

Auto-enrolment – what is the best solution?

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In our last Blog, we identified a number of key steps that employers need to action to ensure there is a smooth transition towards auto-enrolment for their business and their employees. Here we highlight the solutions AGL Corporate Services have created to help assist employers with these issues.

Auto-enrolment – what employers need to look at

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Auto-enrolment is currently being phased in for all UK Employers. Unlike many previous Government legislative changes the new rules apply to all UK employers regardless of their size, as such all businesses will be affected at some point leading up to April 2017. For some this will

Auto-enrolment – what we’ve learnt so far

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There are still a large number of myths out there added to an element of lethargy around Auto-Enrolment, perhaps now is a good time to draw breath and take stock. Brought in 2012, Auto Enrolment is now in full flight with companies of 250 employees or more having all reached their staging dates. Thi