Ford & Ford Financial Partners

Ford & Ford Financial Partners Ford & Ford Financial Partners provide financial advice with personality.

We have over 20 years’ experience in financial services and can advise across all aspects including Retirement, Investments, Protection and Intergenerational planning.

More and more people are making a conscious effort to support global initiatives and build a sustainable future. Respons...
06/11/2022

More and more people are making a conscious effort to support global initiatives and build a sustainable future.

Responsible investing is one way in which we can collectively encourage companies to consider their impact on the planet. Through careful consideration over where we invest our pensions and other assets, we can heavily influence corporate ethical strategies.

And this can be achieved without having to compromise our financial returns.

Generally, the longer we leave our money invested, the greater the chance of achieving better returns.So why are we ofte...
03/11/2022

Generally, the longer we leave our money invested, the greater the chance of achieving better returns.

So why are we often inclined to leave it until the end of the tax year to make use of our personal tax allowances?

I try and encourage my clients to make regular contributions throughout the tax year, instead of leaving it until the last minute. This way, you are making the most of the available interest throughout the year, and the tax year is more efficient.

If you haven’t utilised your annual pension allowance in the past, you may still be able to benefit from the tax relief by using the unused allowances from up to three previous tax years.


Did you become a trader, or dabble in investing during the pandemic? There were lots of reports that people were using t...
30/10/2022

Did you become a trader, or dabble in investing during the pandemic?

There were lots of reports that people were using their time at home to try and make a quick return. While some traders had success, many committed more funds than they perhaps should have.

This 'short-termism' exacerbates volatility within the markets, and we encourage investors to think in 'decades, not days' in order to ride out any fluctuations.

Before you invest, it's critical that you have between 3-6 months' worth of expenses easily accessible in case the unexpected happens.

Retirement may seem a lifetime away, but if you delay saving into a pension, you’ll need to pay in a bigger chunk of you...
23/10/2022

Retirement may seem a lifetime away, but if you delay saving into a pension, you’ll need to pay in a bigger chunk of your salary into your savings later in life.

I always advise my clients to start retirement planner sooner rather than later. The earlier you can start saving, the more time your money has to build into a substantial sum.

The State Pension can form part of your retirement income, but this won't provide a comfortable retirement for most.

Most people are aware that inflation will impact the cost of living and decrease the value of sterling. But over time, i...
15/10/2022

Most people are aware that inflation will impact the cost of living and decrease the value of sterling. But over time, it can also have a negative impact on your investment returns if you're not careful.

Inflation tells investors how much of a return their investment needs to make in order to maintain their standard of living. Having a diverse portfolio may help to reduce your exposure in one area, and instead investments are spread out over various asset classes.

It can be hard to set specific financial goals, but perhaps try to visualise where will you be in 20 years’ time, or foc...
12/10/2022

It can be hard to set specific financial goals, but perhaps try to visualise where will you be in 20 years’ time, or focus on what kind of lifestyle will you want when you are retired?

Whatever your aspirations are, you will probably need a sizable budget, and given the current climate, you won’t achieve the figures by putting it into a cash savings account.

An actively managed investment fund is a fund in which a manager or a management team makes decisions about how to invest the fund's money and doesn't adhere to a passive investment strategy.

If you're investing for the long term, try not to focus on the value of the stock market on a daily or weekly basis. The...
05/10/2022

If you're investing for the long term, try not to focus on the value of the stock market on a daily or weekly basis. There will always be fluctuations within the markets, and it's important to remember your financial goals before you make any changes to your portfolio based on short term news flow.

Seeking professional financial advice will help you to navigate any emotions that you may have during this time.

I have previously talked about 'opportunity' within volatile markets, but volatility can cause a lot of confusion and em...
29/09/2022

I have previously talked about 'opportunity' within volatile markets, but volatility can cause a lot of confusion and emotional turmoil for self-investors. Without the professional guidance, investors can become overwhelmed by the market noise and forget and therefore compromise their long-term financial goals.

Self-investors should also be aware of the risk that inflation currently poses to investment portfolios, as it's currently at its highest rates in decades.

What's the real value of seeking professional financial advice? Firstly, a professional will help you prioritise and pla...
25/09/2022

What's the real value of seeking professional financial advice?

Firstly, a professional will help you prioritise and plan to achieve your aims and goals in the most efficient way possible.

But our wealth of experience is also important when the going gets tough; I have spoken to many a self-investor who have done a great job when markets have been predictable, but panic when markets get volatile pulling out at the wrong time undoing their good work. This emotional behaviour within independent investors is usually their biggest downfall.

Professional financial advisers know the market, the products and can provide efficient solutions to your needs.

How do you view investing and saving for retirement? It can be a balance trying to enjoy short-term luxuries whilst tryi...
21/09/2022

How do you view investing and saving for retirement?

It can be a balance trying to enjoy short-term luxuries whilst trying to achieve long-term financial goals. Sometimes we may have to sacrifice immediate pleasures, but investing in the stock market will essentially provide you with an income when you're no longer working.

When considering your financial goals, you need to have a mindset to match them. If you are investing for the long-term,...
18/09/2022

When considering your financial goals, you need to have a mindset to match them. If you are investing for the long-term, staying invested in times of stress and volatility within the market is important. And if you have a surplus amount of disposable cash, now could be the time to add to your portfolio to enhance your long-term gains.

If you are a self-investor, it's important to remember not to sell out due to fear. It might be worth seeking professional advice before you make any decision which you may later regret. In my podcast episode with Morten Farrier, we talk through his experience being invested without any support or professional guidance. You listen to my podcast here - http://ow.ly/PGx350KMr7l

It is easy to become nervous within the current financial climate, especially if you don't have the emotional support fr...
13/09/2022

It is easy to become nervous within the current financial climate, especially if you don't have the emotional support from a financial adviser.

However, if you are investing for the long term, short term volatility can provide investors an opportunity to make a return in line with their objectives, and views on risk.

Address

The Print Room, The Control Tower, 12 De Havilland Drive
Weybridge
KT130YP

Opening Hours

Monday 9am - 6:30pm
Tuesday 9am - 6:30pm
Wednesday 9am - 6:30pm
Thursday 9am - 6:30pm
Friday 9am - 6:30pm

Telephone

+441932800250

Website

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