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.

When you buy a critical illness policy it's usually because you want to protect you or the family should the worst happen and you are diagnosed with a life threatening disease. But have you ever thoug...

Are you adequately covered for personal life protection, including life assurance and critical illness cover? Do you know what the actual claims experience of the leading insurance companies is? Let's...

Home Information Packs will be introduced in the UK from 1 June 2007. You may have read about them, but what exactly will they mean for property purchasers and sellers? Let's take a look at the implic...

It can be hard to imagine that you may not be able to look after yourself at some point in the future. As most of us are only too aware though, the chances of this situation arising is likely. But who...

Do you have a unitised with profits endowment plan? Is it on track to repay your mortgage loan? Are there alternatives available to you? There may well be, and it's not what the insurance company want...

Is it possible to boost your UK State Pension? What steps can you take to increase your income in retirement? By paying Class 3 National Insurance contributions all this is possible...

Whether we own property to live in, have it as an investment as a buy to let or as part of our portfolio in our ISAs or Pensions, the fortune of the property market is very important to our overall we...

This is the second of a three part mini-series on protecting your family from the effects of death and illness. A morbid subject perhaps, but a crucial one that you shouldn't ignore.

Will your children be able to afford to go to University or onto Higher Education? With the costs increasing every year will the government be able to reach their goal of more students going to univer...

If you're looking to invest in commercial property (shops, offices etc - not 'buy to let' residential) you currently have a couple of main options (apart from buying the whole property itself).

For the next three articles we'll look at the issue of how to protect yourself and your family from the financial effects of death and illness. These consist of: • The importance of the quality of y...