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Email: office@bloomfieldfinancial.co.uk

Call: 0191 406 6453

Under-performing ISA?

Written by John J Bloomfield

Chalk Board gradePotential clients often approach me about their existing ISA investments with comments along the lines of; "My ISA portfolio is underperforming I would like to transfer it to another one" it's a loaded question and one that I'm sure I could acquire loads of new clients from if I just replied "OK"

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Not all Critical Illness Cover is the same: Angioplasty

Written by John J Bloomfield

Angioplasty Definition

In a recent blog post pointing out the benefits of using an adviser such as myself to arrange your life and critical insurance.

One of the key points I made was that we can get you a great deal on price but I also pointed out that not all policies are the same some are more generous than others on certain conditions than others and an adviser can help you to decide when it is worth paying a little more for a better policy or for one that has a more generous definition on a particular condition that you may have a particular concern about. So I thought I would give a few real world examples and starting at the top of the alphabet we have Angioplasty.

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Life Insurance & Critical Illness - Why you shouldn't buy from a search engine.

Written by John J Bloomfield

Life Insurer LogosCritical Illness insurance is a something that I am particularly passionate about. I have learned firsthand the benefit the cover can bring an it is more than money.

For those of you who don't already know in 2011 my wife was taken ill with what later diagnosed as Multiple Sclerosis, it was just 14 months after our twin boys had been delivered stillborn which had a negative financial effect on us as a couple as my wife had taken a significant period of time off work and I had taken a backward step with my work just looking after my existing clients for a while and not taking on any new business. Just knowing that we had insurance in the background made a big difference to us, in the short term. I was able to attend all her appointments with her and generally be away from work without worry.

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With-Profits Investments, is it Time to Cash in Or Transfer Out?

Written by John J Bloomfield

 Calculator and Money

So you have a With-Profits based investment and your wondering whether it is worth hanging on to it or if you should cash it in, or in the case of a pension transfer out.

In this article I will discuss the factors you should consider when weighing up your options.

The first thing that you really need to know is what sort of With-Profits fund your money is invested in, two types exist "conventional" sometimes called traditional and "unitised" you should be able to see which type you have from your policy documents.

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Email Security – Take It Seriously

Written by John J Bloomfield

padlocks financial security

In recent years email use has increased massively for many of my clients it has become the main way that they contact me to schedule an appointment. Email is an incredibly convenient tool particularly with the advent of Smartphone's but it is not without risks.

The regulators within financial services have for quite some time now been concerned with 'email interception' I won't bore you with the mechanics but a fair analogy is that of the postcard.

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