KLO Talks

EP 13 - KLO X Psigma Collaboration: AIM Investments & Inheritance Tax

KLO Financial Services — Tue, 12 Jan 2021 09:00:00 +0000

In this episode of KLO Talks, Financial Adviser Terry Michael and host Peter Komolafe are joined by Psigma Investment Director Jon Gould. Jon explains the basics of the Alternative Investment Market (AIM), covering myths, misconceptions and benefits of investing in this area. Jon also explains how Psigma select companies in order to manage risk within their portfolios.

Terry then goes on to highlight the importance of discussing IHT with a financial adviser, and how to use your investment portfolio to mitigate IHT liability.

To find out more about how much inheritance tax you may owe - and how you can reduce it - book a free consultation with Terry today by emailing terry.michael@klofinancialservices.com

Psigma Investment Management

Psigma Investment Management has been providing investment solutions for private clients, pensions schemes, trusts and charities since 2002. Find out more about Psigma here: https://www.psigma.com/

EP 12 -IHT & CHARITABLE GIVING

KLO Financial Services — Mon, 26 Oct 2020 09:00:00 +0000

This week Financial Adviser Terry Michael and host Peter Komolafe are joined by St Mary’s Hospice Partnership Manager Helen Rawnsley. Helen highlights the importance of the work that St Mary’s Hospice provides and how growing demand is putting pressure on the hospice, especially in these challenging times. The trio then go onto discuss how you can make a difference by giving to charity in your will and how your inheritance tax can be reduced by doing so.

To find out more about reducing your inheritance tax through charitable gifting, book a free consultation with Terry today by emailing terry.michael@klofinancialservices.com

Birmingham St Mary's Hospice provides end of life care and support to individuals and their families, carers and loved ones across Birmingham and Sandwell.To find out more about the charity and how you can help support them, please visit https://www.birminghamhospice.org.uk/

EP 11 - Blackfinch X KLO Collaboration: The Income Challenge

KLO Financial Services — Mon, 19 Oct 2020 09:00:00 +0000

Blackfinch X KLO Collaboration: In the third and final podcast with Blackfinch Asset Management, Financial Adviser Terry Michael and host Peter Komolafe are joined by Blackfinch’s portfolio manager, Gareth Deacon.In this episode the trio discuss how COVID-19 has been difficult for income investors, and highlight why Blackfinch Asset Management has altered their approach to multi asset income, focusing on the importance of diversified income streams. Jason spotlights the significance of active investment and how Blackfinch have leveraged inhouse expertise at to find non-traditional asset classes.If you would like to book a complimentary consultation with Terry, please email terry.michael@klofinancialservices.com

Blackfinch Asset Management

With over 25 years in the industry, Blackfinch Asset Management understand the evolving requirements of both clients and advisers. Working closely with advisers to deliver innovative solutions for clients, whatever solution customers choose, Blackfinch products are always delivered with a focus on value and transparency.

EP 10 - KLO X Blackfinch Collaboration: ESG

KLO Financial Services — Sun, 20 Sep 2020 09:00:00 +0000

Blackfinch X KLO Collaboration: In the second of a series of three episodes, Financial Adviser Matt Booton and host Peter Komolafe are joined by Jason Williams, Head of Distribution at Blackfinch Asset Management. This episode discusses the role of ESG investments and why it’s important to know the difference between ethical and non-ethical investments. Jason goes onto discuss how Blackfinch has approached ESGs as a company and the screening processes that are in place to ensure the investments within portfolios are considered ethical. The trio finish by discussing the importance of pushing firms to do better, rather than cutting them out completely.

If you would like to book a complimentary consultation with Matt, please email matt.booton@klofinancialservices.com.

Blackfinch Asset Management

EP 9 - KLO X Blackfinch Collaboration: The role of Asset Managers

KLO Financial Services — Mon, 14 Sep 2020 06:00:00 +0000

Blackfinch X KLO Collaboration: In the first of a series of three episodes, Financial Adviser Terry Michael and host Peter Komolafe are joined by Kathryn Sargent, Business Development Manager at Blackfinch Asset Management. This episode discusses the role of Asset Managers and why ensuring the ease of access to educational material is important to both IFA’S and clients. Kathryn goes on to discuss what makes Blackfinch different from other providers, including why their management solutions are only offered to a limited range of independent advisers and how that benefits clients.

If you would like to book a complimentary consultation with Terry, please email terry.michael@klofinancialservices.com.

Blackfinch Asset Management With over 25 years in the industry, Blackfinch Asset Management understand the evolving requirements of both clients and advisers. Working closely with advisers to deliver innovative solutions for clients, whatever solution customers choose, Blackfinch products are always delivered with a focus on value and transparency.

EP 8 - An introduction to KLO Financial Services

KLO Financial Services — Wed, 26 Aug 2020 09:00:00 +0000

This week Peter Komolafe catches up with KLO Director and co founder, Andrew Green to discuss all things KLO. This episode covers everything from starting the business to where KLO are today, boasting a highly experienced team of financial experts. Peter and Andrew also delve into KLO’s service offering, explaining why KLO’s approach allows them to stand out amongst other financial providers.

Andrew also highlights the importance of dedicated client managers and why a personalised service makes such a difference to clients; from ensuring they understand what is happening to their investment (whether positive or negative) to providing educational resources. This episode also explained how COVID has changed the way in which clients and advisers interact with each other.

If you’d like to find out more about KLO Financial Services, book a complimentary consultation with Andrew by emailing green.andrew@klofinancialservices.com

EP 7 - Commercial Property in SIPPS & SSAS

KLO Financial Services — Mon, 10 Aug 2020 06:00:00 +0000

This week Terry Michael and Peter Komolafe are joined by Mike Kelly, Senior Business Development Manager at Finance 4 Business. This episode focuses on commercial properties, SIPPS and SSAS, with Mike using a case study to highlight how pensions can be used before you retire, and how a SSAS can be leant against. The trio also discuss how COVID 19 has affected the market, touching on further topics such as CBILS, the bounce back loan and why the right advice from a team of wealth management and financial advisers can benefit you.

If you would like to discuss this topic further, book a complimentary consultation with:Terry by emailing terry.michael@klofinancialservices.com or Mike by emailing mike.kelly@f4b.biz

Finance 4 Business is one of the UK’s leading specialist finance brokerages. A multi-award winning organisation, that prides themselves on being the go-to broker for both intermediaries and consumers.

EP 6 - Money & Divorce Pt 1 - Pension Sharing Orders

KLO Financial Services — Mon, 03 Aug 2020 06:00:00 +0000

This week, Financial Adviser Terry Michael and co-presenter Peter Komolafe present part one of our Money and Divorce mini-series. This episode focuses on pension sharing, as well as what you are entitled to from your partner's pension, should you decide to divorce. Terry highlights the difference between a defined contribution and defined benefits pension and how each can affect the total owed. Terry also highlights how working with a financial planner throughout this difficult time can make the whole process easier.

If you would like to discuss this topic further, book a complimentary consultation with Terry by emailing terry.michael@klofinancialservices.com

Ep 5 - HOW ISAs CAN REDUCE YOUR INHERITANCE TAX BILL

KLO Financial Services — Mon, 20 Jul 2020 09:00:00 +0000

In the fifth episode of the KLO Talks, Financial Adviser Terry Michael delves into the world of ISA's, explaining their differences, their benefits, and how you can retain your investment returns tax free. Terry also discusses the importance of reviewing your finances, explaining a client case study to highlight the benefits of using a stocks and shares ISA for income in retirement rather than drawing from a pension.

If you would like to book a complimentary consultation with Terry please email terry.michael@klofinancialservices.com.

EP 4 - The importance of Ethical and Responsible Investment

KLO Financial Services — Mon, 06 Jul 2020 06:00:00 +0000

In the fourth episode of KLO Talks, Financial Planner Matt Booton discusses the importance of Ethical and Responsible Investment and the social impact it has across a wide range of current topics. He highlights how climate change and COVID-19 have been driving conversations about sustainable investments. Matt cuts through the technical jargon to make ESGs more digestible and educates about the changes within this sector in regards to cost and risk.

If you would like to book a complimentary consultation with Matt please email matt.booton@klofinancialservices.com

EP 3 - The importance of protection

KLO Financial Services — Fri, 26 Jun 2020 09:00:00 +0000

In the third episode of our KLO Talks podcast, Financial Adviser Terry Michael discusses the importance of income protection and the plans you can put in place to protect your family should anything untoward happen. Terry also highlights the importance of life insurance and critical illness cover and why it's vital to implement a policy sooner rather than later.

EP 2 - REGAIN YOUR PERSONAL ALLOWANCE

KLO Financial Services — Thu, 11 Jun 2020 09:00:00 +0000

In the second episode of the KLO Talks podcast, Financial Advisor Terry Michael discusses how you can efficiently maximise your income with financial planning, emphasising the importance of structuring your assets in a tax logical manner to ensure you can afford to live well in retirement. Using a client case study, Terry also highlights how pensions can be used to regain your personal tax allowance.

Terry will be hosting a webinar on Tuesday 23rd June at 11am, which expands on the theme of this podcast. If you’d like to find out more about how to efficiently maximise your income and how powerful pensions can be, click the link to register today: https://bit.ly/3dX2Mke.

Places are limited, so save your seat today to avoid disappointment.

EP 1 - FROM DNA SCIENTIST TO INVESTMENT MANAGER & FINANCIAL PLANNER WITH TERRY MICHAEL

KLO Financial Services — Wed, 03 Jun 2020 16:00:00 +0000

In this first episode of KLO Talks the podcast, Financial Advisor Terry Michaels discusses his journey from a DNA Analyst to a Financial Planner at KLO Financial Services. In this Q&A style podcast with Peter Komolafe, Terry highlights how client experience is key, and how despite negative news stories surrounding COVID 19, investments are doing well.

If you would like to book a complimentary consultation with Terry please email terry.michael@klofinancialservices.com.

Click here to connect with Terry via LinkedIn

KLO Financial Services

KLO Financial Services are a team of independent financial advisers and client managers, with offices in Warwick, Birmingham and London. KLO Financial Services combine an innovative, client-focused philosophy with all the strengths of a traditional personalised service, and pride themselves on their core values of integrity, quality and tailored advice.

If you are looking for financial advice get in touch with the KLO team today by visiting the website www.klofinancialservices.com or by calling the office on 0121 726 4720.

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Podcast produced by Clear Audio Podcasts