Ray Prince is an Independent Financial Planner with Rutherford Wilkinson plc, and helps doctors and dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives.

Rutherford Wilkinson plc is authorised and regulated by the Financial Services Authority.

One of the standard pieces of advice we have always given when it comes to investing in stocks & shares is that it really will pay off to maximize the allowances clients have to ISAs. If a client is l...

Not the most enlightening of subjects is it? And not one you'll probably discuss often, with either friends or family. What's that I hear you say? Dying. The good news is that I'm not going to take up...

In the past when it came to how the NHS paid your pension, it was very simple. You had a pension based on the number of years' service in the Scheme, your income, and whether you had purchased added y...

Well, what a year it's been... High street banks in crisis, investment banks closing their doors, 'experts' pointing fingers, and SERIOUS questions asked of the Financial regulators. Yes, what WERE th...

There has been a lot of talk about the big winners when interest rates fall - i.e. borrowers. But what about people who rely on a reasonable amount of interest on their deposit accounts - the savers? ...

The fact that the Bank of England (BOE) has slashed interest rates by 1.5% to 3%, I think shows how worried they are about the British economy. In a Bloomberg survey of 60 economists, nobody had predi...

My goodness what a rollercoaster it has been recently! It seems that not a day goes by without more gloom. A bank goes bust or is rescued, an insurance company is swallowed up by another or is nationa...

We live in interesting times. The investment bank Lehman Brothers has filed for bankruptcy protection, Merrill Lynch is being taken over by Bank of America and it's predicted thousands of bank employe...

When we meet a new client or review the financial affairs of someone we have known for some time, the first thing we automatically concentrate on is what goals in life do they have? For a new client -...

One of the first things we come across when we take on a new client is starting to make sense of the collection of policies and investments they have. They are usually in a pile somewhere and tend to ...

It certainly looks all doom and gloom at the moment doesn't it? Open any newspaper or tune into the news on TV and if you are anything like me, you get punch drunk with all the articles on how bad the...

When it comes to investing your money, you'll probably know by now that you have numerous options to choose from. In fact, it can feel like a bit of a minefield and sometimes you may not know if you'v...

If you are a dentist, it's likely that you've taken out income protection insurance (also referred to as permanent health insurance). In fact, you may have even claimed on your policy. During the last...

One of the challenges we face as Fee Based Planners and Wealth Managers is how do doctors and dentists get to know about Graeme and Ray and the job we do? After all, we know (and our existing clients ...

We have been seeing a lot of enquiries from clients wanting to know if a Self Invested Personal Pension (SIPP) would be appropriate for them. Let's look at an example to illustrate this. Let's say you...