• Piggy Bank

    Wise Investment Plans

    No need to break the piggy bank savings, investing wisely can secure your future and your families, discuss with Forty One Consulting about the different investment options we have available.

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  • Pensions

    Retirement Options

    Retirement planning has always been complicated and, despite efforts to simplify matters in 2006, it unfortunately remains so. At Forty One Consulting we pride ourselves on making our clients more at ease with the complicated system to provide you with the best advice we can.

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  • Protection


    Finding the right protection is difficult to do, at Forty One Consulting we can walk you through the different options and find the perfect protection plan to suit your needs.

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  • Frequently Asked Questions

    Frequently Asked Questions

    With the introduction of more flexible ways to access your Pension from April 2015, we are constantly being asked more questions.

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6th June 2019

What lessons are there for investors?

This is a shock for many investors. A star of the sector is having what has been described as a "dark and terrible moment".  Some will point to this case as proof that paying charges to a "star" fund manager to try beat the market is a waste of time and that, instead, people should invest in a passive tracker... Read full article

26th March 2019

Probate Fee Changes

In November, the Ministry of Justice announced plans to change the fees families must pay to administer the estate of someone who has died. This process, known as Probate, involves gathering the assets of the deceased, valuing the estate, paying any tax and bills and distributing the estate according to the will. The proposals have now received parliamentary approval and will come... Read full article

5th February 2019

The rise in State Pension age

Millions of people born after 5 December 1953 will see their State Pension age rise from 6 December 2018 as a result of reforms designed to cut billions from the Uk's welfare bill. The movement represents the first state pension increase for men since the current system was introduced in 1948. For some women, however, this is simply another state pension age... Read full article

9th January 2019

Ban on Pensions cold calling

The long-awaited ban on Pensions cold calling has today (9th January) come into force ater a laborious journey that saw the legislation heavily debated and go through two consultations.  Although the move has been heralded as a much-needed step in the right direction, scepticism remains that more needs to be done in order for the ban to be effective. Zurich's head... Read full article

3rd January 2019

Female can expect to live a greater number of years in poor health than males, according to data from the Office for National St

Healthy life expectancy - the average number of years lived in 'very good' or 'good' general health based on how individuals perceive their general health - has dropped for women but risen for men, according to its report.  Based on the 2015-2017 figures, men could expect an average healthy life expectancy of 63.1 years at birth - an increase of... Read full article

23rd October 2018

Investors confusing volatility with risk

At its simplist, volatility is a way of describing the degree by which share values fluctuate.  In volatile periods, share prices swing sharply up and down while in less volatile periods their performance is smoother and more predictable. Risk on the other hand, is the chance of selling your investments at a loss, and the main factor that differentiates the two... Read full article

16th August 2018

The Financial Conduct Authority and The Pensions Regulator joint campaign to raise awareness of pension scams

The Financial Conduct Authority (FCA) and The Pensions Regulator (TPR) have joined forces to urge the public to be on their guard when receiving unexpected offers about their pension and to check who they are dealing with. The two regulators have launched a new ScamSMart advertising campaign targeting pension holders aged 45-65, the group most at risk of pension scams.... Read full article

15th June 2018

The FCA is moving offices

The FCA is moving its office from their current address at Canary Wharf to: 12 Endeavour Square, London E20 1JN. This change of address will take effect from 1st July 2018, from which time firms will need to use this address for any correspondence, or any postal reporting to the FCA (where appropriate).  ... Read full article

22nd May 2018

GDPR and Financial Advice

The General Data Protection Regulation (GDPR) deadline will come into effect on 25th May 2018 and we all need to be ready!  Elizabeth Denham, Information Commissioner at the (ICO) is one of the most powerful women in the country and holds the responsibility for the smooth implementation of GDPR. Adviser, Pension Schemes and Employers all need to be aware of their new... Read full article

23rd January 2018

Buffett Wins His Bet

Buffett bet $1 million in 2007 that an index fund would out perform a basket of hedge funds over a decade.  The proceeds would go to charity, and Buffett designated his local Girls Inc. affiliate as the recipient if he won.  When the closing bell rang at the New York Stock Exchange Friday, the famed investor locked in his victory. Buffet,... Read full article

2nd November 2017

Interest rates hiked for first time in a decade

The Bank of England has today (2nd November) raised interest rates for the first time since the financial crisis. The base rate has been increased from 0.25 per cent to 0.5 per cent.  Interest rates had been cut to 0.25 per cent in the immediate aftermath of the EU referendum vote last year. Interest rates were cut to 0.5 per cent in... Read full article

13th July 2017

Royal London Press Release

NEW RESEARCH FIND THOSE WHO RECEIVE FINANCIAL ADVICE ARE ON AVERAGE £40,000 BETTER OFF THAN THEIR UNADVISED PEERS A new report 'The Value of Financial Advice' by the International Longevity Centre - UK (ILC-UK) and supported by Royal London finds that those who received financial advice in the 2001-2007 period had accumulated significantly more liquid financial assets than their unadvised equivalent... Read full article

12th April 2017


It makes sense to use your annual tax-free allowances.  With the ISA allowance increased to £20,000 from this April, investors can build up a sizeable fund over the years that's protected from Income and Capital Gains Tax.  If you invest for your retirement, then pension contributions attract valuable tax relief too, within HMRC limits.... Read full article

17th January 2017

UK Inflation spikes to 29 month high

UK CPI inflation reached its highest level in two-and-a-half years in December, after a surprise rise in core prices pushed the headline level to 1.6 per cent.  The December figure is a significant jump on NOvember's 1.2 per cent and above expectations of a rise to 1.4 per cent. The office for National Statistics said one of the biggest contributors to... Read full article

10th November 2016

US Election: what happens next?

After months of increasingly controversial and bitter campaigning, the 2016 US Presidential Election reached a dramatic climax, culminating in a surprise victory for Republican Party candidate Donald Trump. The Republican Party retained control of the US Senate and the House of Representatives. Trump’s unexpected victory threw markets off balance. The price of oil fell and equity indices dropped in response to... Read full article