All posts by Andrew Flowers

Andrew is the managing partner of Vizion Wealth and has been involved in the offshore and onshore financial services industry for over 18 years. Andrew was the driving force behind Vizion Wealth after years of experience in a number of advisory roles within high profile wealth management, private banking and independent financial advisory firms in the UK.

Boosting Investment Returns

Three years on from the 2016 referendum, and with ongoing political wrangling, the eventual outcome of Brexit is still uncertain. Brexit-related uncertainty and the challenging domestic backdrop mean investors need to be smarter about how they invest, which is why it is essential to obtain professional financial advice...

/ 4th November 2019

Understanding Investment Risk

There are many decisions to consider when making any investment. One of these is how much risk you are prepared to take. This will be determined by a number of different factors. In this guide, we take a look at the different types of investment risk and how it can relate to returns...

/ 28th October 2019

Team News: Autumn is here!

Autumn is upon us! The best time of year is when those autumnal colours start appearing, you start ramping up the heating (the biggest source of arguments in my household) and enjoying pumpkin spice lattes...

/ 16th October 2019

Inheritance Tax

Will you be one of the thousands of households in Britain that will have to pay Inheritance Tax? What’s the best way to avoid it? If you’re administering an estate because someone has died, how do you obtain probate? Is it ever possible to retrospectively minimise an estate’s tax liabilities?

/ 9th October 2019

Pension Scammers

Don’t let scammers enjoy your hard-earned pension proceeds. Anyone can be the victim of a pension scam, no matter how savvy they think they are. It’s important that everyone can spot the warning signs...

/ 30th September 2019

Vizion Wealth Announces the Appointment of James Blackham as Partner

Vizion Wealth are pleased to announce the promotion of James Blackham to the position of Partner within the firm.

/ 18th September 2019

Team News: Stepping into Autumn

Stepping into Autumn, the Vizion Wealth team are as busy as ever. As well as preparing for our client meetings and keeping an eye on the markets; we’ve had a new addition to the team, an exam pass, and a new partner of the firm on board!

/ 5th September 2019

What’s Your Magic Number?

Retiring is a huge life event. And the very concept of retirement is changing with phased retirement becoming more common. The way we access our pension is now a lot more flexible, and it’s no secret that in the UK we’re living longer than ever before which means we need to make the right choices...

/ 28th August 2019

Smart Investments

Investors looking for tax-efficient ways to build a nest egg for retirement often look to both Individual Savings Accounts (ISAs) we should link this to a Stocks & Shares ISA not a Cash ISAand pensions. Tax-efficiency is a key consideration when investing because it can make a considerable difference to your wealth and quality of life...

/ 23rd August 2019

Taxing Times

Making sure you use up any allowances you are entitled to is the first step to reducing the amount of tax you may be liable to pay.We’ve provided our ‘Top 5’ list of planning areas to consider before 5 April 2020, the end of the 2019/20 tax year. The rates given are correct for the 2019/20 tax year.

/ 14th August 2019

Protecting What Matters

If something should happen to you, the last thing you want is for you or your family to be worrying about money. One of the most important aspects of your financial planning strategy should be to ensure that you’ve made provisions for your family and any dependants in the event of a serious illness, injury, bening unable to work or an untimely death...

/ 5th August 2019

June Antics in the VW Office – Glasto, Isle of Wight, City Breaks & More

In June, the Vizion Wealth team (and I’m sure everybody else in the country) had a chance to appreciate the miraculous sunshine we’ve had over the last few weeks! We have all been working very hard and some of the team also had the chance to enjoy some time out of the office. Thanks to the Vizion Wealth partners, the highlight was spending a team building day at Alton Towers! I must say, I think we were all most impressed by the Smiler rollercoaster (apart from Corinne who suffered one minor incident after the ride).

/ 9th July 2019

Lifetime Allowance

An estimated 1.25 million people are set to breach the current lifetime allowance (LTA) limit of £1.055 million for pension tax relief over the course of their working life, according to new research published...

/ 22nd June 2019

State Pension Deferral

A significant number of people working past the State Pension age could be paying unnecessary tax on their State Pension, according to new research [1]. This is because they failed to take up the option of deferring their State Pension until they stopped work. As a result, their entire State Pensionis being taxed, in some cases at 40%.

/ 15th June 2019

Team News: Working Hard and Playing Hard…

As you know from last month’s blog, our advisers Andrew and James went cycling around France to help raise money for the Milton Keynes Rugby Club and the Aspire charity. I am pleased (and surprised) to report there were no injuries, and everything went smoothly. Even though they found it hard work, the team mentality and group spirit got them through the days, and they were able to reward themselves with a few beers and glasses of wine on the way...

/ 10th June 2019

Building a Diverse Portfolio

Making sense of today’s market headwinds and building a diverse portfolio should be key priorities for all investors. Whether you have a lump sum to invest or want to invest regularly each month, it’s important to know your money is working hard for you...

/ 3rd June 2019

Breaking Up is Hard to Do

Divorce is undoubtedly one of the most difficult subjects to talk about. When relationships come to an end, there are so many things to consider – children, home and support are naturally the first things you would focus on. In fact, when you begin the process of separating a shared life, the sheer number of things to deal with can seem very daunting...

/ 28th May 2019

Retirement Income

‘Will I be able to afford the retirement lifestyle I want?’is a question that many people ask but struggle to figure out. There are many ways to assess your likely income in retirement and work out how much you need to put away now to enjoy the kind of lifestyle you want in later life...

/ 18th May 2019

Team News: Relaxing Breaks, the Inca Trail and Next Stop Ibiza…

May is now upon us, which means summer is around the corner! April was a busy and exciting month for the Vizion Wealth staff.Corinne and her husband, Howie, had a well-deserved and relaxing break up north. They visited Bamburgh in Northumberland and then went to visit Edinburgh for a few nights. They saw some beautiful sights in the Farne Islands including nesting Hardy Puffins, and even spotted some dolphins on the boat ride back...

/ 7th May 2019

Safeguarding your wealth for future generations!

Unforeseen life events and circumstances can potentially impact your finances in a number of ways. We can help you to safeguard your wealth for future generations. But for many of us, there can be a remarkable gap between our intentions and our actions...

/ 19th April 2019