In the know

Lucas Fettes Financial Planning

Welcome to In the know, where our expert team talk through important financial planning topics.

The purpose of this podcast is to help you understand why everyone is financially unique, what your relationship with money is and how this is influenced. We hope that by making these discussions accessible, you are able to make more informed decisions moving forward.

All Episodes

In this edition of our market commentary, Neil Clarke is joined by Richard Carter. Richard is Head of Fixed Income Research at Quilter Cheviot, who are one of our trusted investment panel.  Their discussion includes references to inflation, the future of interest rates, the bond markets and the difference in approach between central banks. To find out more about Quilter Cheviot, please visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Nov 17

16 min 28 sec

Listen in as Mark Brown and Neil Clarke discuss Intergenerational Wealth Transfers, the first of three informative conversations. In this episode, they provide an in depth background concerning Intergenerational Wealth and discuss why, due to rising estate values, it is becoming increasing important to plan ahead should you wish to support family or a charitable cause financially. Attention is also paid to emotional drivers and why this topic can be hard to discuss with family. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 19

15 min 51 sec

In this episode, Neil Clarke discusses the financial markets with Chris Brown. Their conversation includes references to the FTSE 100 and FTSE 250, a view on whether central government support will end soon, as well as commentary on emotional drivers and the psychology of money.  Chris is a Partner and Chief Investment Officer at IPS Capital, who are one of our trusted investment panel. To find out more about IPS Capital, including the market commentary referenced in this episode, please visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Sep 21

23 min 24 sec

Listen in as Chartered Financial Planner, Nathan Munt, discusses Lasting Powers of Attorney (LPAs) with Josh Dunstone. Josh is a Solicitor at Spire Solicitors, who are based in Norfolk. He specialises in later-life planning, including wills, LPAs and trusts. Their conversation focuses on the importance of LPAs, why it is important to put them in place early, as well as how they differ to Enduring Powers of Attorney. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Aug 17

21 min 40 sec

Join Director and Independent Financial Planner, Neil Clarke, as he discusses the current and future state of the financial markets with Mark Harries. Their conversation includes the overall outlook of the markets, as well as further insight on the overall global position, FTSE 100 and interest rates. Mark is Chief Investment Officer at Square Mile, who are one of our trusted investment panel. To find out more about Square Mile, visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Jul 27

22 min 24 sec

Listen in as Director and Independent Financial Planner, Neil Clarke, discusses the value of financial advice with Nathan Munt. Nathan is a Chartered Financial Planner at Lucas Fettes. Their conversation focuses on creating and sustaining strong relationships with their clients, why advice is important, as well as why some of the benefits of financial advice aren't necessarily financial. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Jun 8

30 min 48 sec

Join Director and Independent Financial Planner, Neil Clarke, as he discusses the current and future state of the financial markets with Jon Cunliffe. Their conversation includes the overall outlook of the markets, as well as further insight on bond yields, inflation and ESG investments. Jon is Chief Investment Officer at Charles Stanley, who are one of our trusted investment panel. To find out more about Charles Stanley, visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

May 18

26 min

Client vulnerability is an extremely sensitive area of client care and requires a careful and responsible approach. Join Managing Director, Mark Brown, as he discusses this area with David Mulholland. Their conversation covers the different types of client vulnerability and the issues with identifying them, as well as how each of our professions should be working with one another to create a suitable joined-up service for the client. David is a Business Development Manager at Brooks MacDonald, who are one of our trusted investment panel. He specialises in Court of Protection. To find out more about Brooks MacDonald, please visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Apr 14

11 min 15 sec

Join Director and Independent Financial Planner, Neil Clarke, as he discusses the current and future state of the financial markets with Ed Park. This includes the outlook of the markets following Rishi Sunak's Spring Budget announcement. Ed is Chief Investment Officer at Brooks MacDonald, who are one of our trusted investment panel. To find out more about Brooks MacDonald, please visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Mar 17

24 min 3 sec

In this episode, Director and Independent Financial Planner, Neil Clarke, discusses the due diligence solicitors must undertake when referring clients to a financial planner. This conversation covers several important points, all with the general theme of creating a suitable joined-up service for clients. For this discussion, Neil is joined by Dave Seager of SIFA Professional. To find out more about SIFA Professional and the work they undertake to help create synergy between the financial and legal professions, visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Feb 16

19 min 2 sec

Join Director and Independent Financial Planner, Neil Clarke, as he discusses the current and future state of the financial markets with Janet Mui. This includes the outlook of the markets following the agreement of a Brexit deal, the rollout of Covid-19 vaccination programmes, and the inauguration of Joe Biden as the new US President. Janet is an Investment Director at Brewin Dolphin, who are one of our trusted investment panel. To find out more about Brewin Dolphin, please visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Jan 19

14 min 36 sec

Episode 9 – Ethical and sustainable investing As concern for the planet increases amongst the population, ethical and sustainable investing (ESG) has become increasingly popular.  We define ethical and sustainable investing as investing with a view to helping society, the climate, planet, and avoiding areas that can be considered unethical. It is important that you consider your ethical and sustainable preferences when making investment decisions. Join our Managing Director, Mark Brown, as he discusses this topic with Divisional Director and Independent Financial Planner, Kerry Holmes. The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Dec 2020

4 min 50 sec

Join Director and Independent Financial Planner, Neil Clarke, as he discusses the current and future state of the financial markets with Chris Brown. Including the expected repercussions of the US election and the announcement of a COVID-19 vaccine. Chris is a Partner and Chief Investment Officer at IPS Capital, who are one of our trusted investment panel. To find out more about IPS Capital, including the market commentary referenced in this episode, please visit their website. Visit our website for more content: https://lffinancialplanning.co.uk/ The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Nov 2020

18 min 1 sec

This episode is the seventh, and last, part of a series on our 7 Concepts of Financial Planning. The takeaway: Managing your finances, assets and financial planning is a continual process that takes into account changes in your life and the world around you. Ensure you undertake regular reviews of your financial planning arrangements and the organisation and performance of your assets to ensure these are performing as required, making changes where necessary. Join our Managing Director, Mark Brown, as he discusses this concept with Divisional Director and Chartered Financial Planner, Liz Burrows. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 2020

8 min 21 sec

This episode is the sixth part of a series on our 7 Concepts of Financial Planning. The takeaway: How are your financial plans impacted by your premature demise or illness? You are at most risk during the period you are accumulating the level of assets you need to provide for the financial plans of you and your family. Join our Managing Director, Mark Brown, as he discusses this concept with Director and Chartered Financial Planner, Ian Burrows. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 2020

7 min 22 sec

This episode is the fifth part of a series on our 7 Concepts of Financial Planning. The takeaway: In what form are the assets that make up your wealth held and does this reflect your needs, attitudes and preferences. How your assets are held and managed will determine the cost to you, the tax you pay, the level of risk/volatility you experience and the returns you achieve. Join our Managing Director, Mark Brown, as he discusses this concept with Director and Independent Financial Planner, Neil Clarke. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 2020

6 min 41 sec

This episode is the fourth part of a series on our 7 Concepts of Financial Planning. The takeaway: Understanding how your various assets are taxed and whether these could be better organised to reduce the tax you pay. Tax can have a significant impact on the value and longevity of your assets over time. Join our Managing Director, Mark Brown, as he discusses this concept with Director and Chartered Financial Planner, Ian Burrows. Visit our website for more content: https://lffinancialplanning.co.uk/ This has been prepared based on our current understanding of UK Law, Taxation and HMRC practice, all of which could be subject to change in future. Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 2020

5 min 24 sec

This episode is the third part of a series on our 7 Concepts of Financial Planning. The takeaway: How much time do you want to spend managing your assets and are they currently organised to reflect this? Managing your assets/wealth takes time, knowledge and expertise. How much time you spend will be determined by where your assets are held and how involved you are and want to be in their management. Join our Managing Director, Mark Brown, as he discusses this concept with Divisional Director and Independent Financial Planner, Kerry Holmes. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 2020

5 min 40 sec

This episode is the second part of a series on our 7 Concepts of Financial Planning. The takeaway: Understand how much money you need and whether you have enough. Knowing the amount of assets you will need to meet your requirements, objectives and aspirations over the course of your lifetime and after you are deceased enables you to understand where you currently are in relation to this and how to plan accordingly. Join our Managing Director, Mark Brown, as he discusses this concept with Business Development Director and Chartered Financial Planner, Sarah Maguire. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 2020

10 min 21 sec

This episode is the first part of a series on our 7 Concepts of Financial Planning. The takeaway: Everyone is financially unique and financial planning needs to be tailored to you. You are financially unique – how your assets have been accumulated, where they are held and what you want to do with them is unique to you. Your objectives, attitudes, preferences and timescales will also be unique. Join our Managing Director, Mark Brown, as he discusses this concept with Director and Independent Financial Planner, Neil Clarke. Visit our website for more content: https://lffinancialplanning.co.uk/ Lucas Fettes Financial Planning® is a registered trading name of Lucas Fettes & Partners (Financial Services) Limited, who are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA number: 146279). Financial Conduct Authority regulation applies to certain regulated activities, products and services, but does not necessarily apply to all tax planning activities and services.

Oct 2020

7 min 45 sec