Ok, so we all hate talking about money. Our mother’s taught us it was rude and inappropriate and our Scottishness won’t let us declare how much or how little we might have. But the fact of the matter is this; we are all of an age where a state pension just won’t keep us. The vast majority of us have mortgages (sometimes two!) and the law is about to change again on the all important topic of pensions. February’s meeting is going to take our cash plans by the scruff of the neck and give them a darn good shake! You cannot afford to miss this!
Speakers are Alistair Duffy IFA and Beverly Callander, Mortgage Consultant.
Alistair Duffy – Pensions.
Is your pension going to work for you after important changes due to take place in April 2014? Get some up to date information on pensions and the market for your investment savings.
Alistair has been an independent financial adviser for the last 7 years and has advised clients through the stock market crash and beyond. It’s that long term experience and knowledge that you need to help you think about your own pension and investment arrangements. It doesn’t matter whether you’re employed, self employed or a director of a limited company you want to make sure your pension continues to reflect what you want in retirement and that means from time to time you should listen to someone like Alistair. There’s no breach of confidentiality here – just good, sound information for you to absorb and connect with your own situation. There’ll be time afterwards to collar Alistair and ask him questions about anything more personal to your pension or investment needs.
Beverley Callander, Mortgage Consultant
Who doesn’t want to talk about mortgages? Our largest major monthly expenditure. Hear how can you save money and make sure you’re well protected.
Beverley has been a mortgage consultant for 22 years and is passionate about making sure her clients get the right mortgage for them. With so many different kinds of mortgage payment arrangements on offer, and with new ones continually being introduced, how do we know that we are not paying too much for our mortgage?
Come along to hear about some of the more common ways that mortgage holders could reduce that monthly payment and what sort of insurance protection is important. It’s worth thinking about. Afterwards there’ll be time to ask Bev about your personal situation more specifically.
Join us in the Royal George Hotel for an evening of cash chat and dinner. Your fee includes a two course meal, tea or coffee, speakers and Q&A session. £16 for members and £20 for guests.
Carrot & Lentil Soup
Melon with Parma Ham
Pate & Oatcakes
Breast of Chicken with White Wine sauce served with Seasonal Vegtables and Roast Potatoes
Baked Cod Fillet with Cheese Crumb, Seasonal Vegtebales & Baby Boiled Potatoes
Warm Tartlet of Roasted Vegetables Topped with Goats Cheese served with Seasonal Vegetables and Potatoes.
Tea or Coffee