`IFA Centre IFA
Sterling House, 17 Joy Street, Barnstaple, Devon EX31 1HE | (Tel) 01271 344300 | info@miltonpj.net



    Philip J Milton & Company Plc provides a well established and very competitively priced "direct instruction" share dealing service.






    It is estimated that 65% of the UK population does not have a valid Will. For those, the law decides how your Estate is distributed under “Rules of Intestacy” meaning that your assets are unlikely to be distributed as you wish upon your death, not even recognising an unmarried partner, for example. Do not delay making a Will! (This service is not regulated by the FCA.)


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Time for a Spring Clean?

14 May 2018

As Spring revisits the UK and we all turn to the inevitable Spring clean, it might be time to give your finances a full once over as well! It is important to review your finances occasionally to ensure you are not wasting or losing money simply by doing nothing. Indeed, it is possible to save money almost immediately if you look in the right place (not just down the side of the sofa!)

Perhaps the first thing to do is review your paperwork to ensure you have full knowledge of your finances, contacting pension and ISA providers to see if any old policies you may have are still active and if so, the current value. You may be surprised what you find! If you find it difficult to organise your paperwork, we have helped clients previously to simply identify if they have any policies, how much they are and how to access them.

Once you have full knowledge of the current extent of your finances, the next step is to ensure that they are positioned appropriately to meet your goals. What may have been the right choice some years ago may not be the same now, with legislation changes potentially meaning that something ‘better’ is available to you. Your goals will likely have changed over the years as well, from accruing funds for a house, wedding, children to considering future retirement or perhaps your children’s wedding or house purchases! You may have reached the stage where you are considering full retirement and wonder whether you have enough funds saved to make that happen?

At Philip J Milton & Company Plc we can advise on all aspects of your finances and help you to achieve your financial goals for now and the longer term. If you would like a professional input into your finances, please do contact the office to arrange a mutually convenient, no obligation appointment, held at our cost.

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GOLD So London stores £250trillion of the world’s gold in its vaults – 596,000 bars and weighing 7,500 tonnes. This is all owned by different entities and as one sells some and another buys some, the label on the front changes. Even some of our clients hold some of this as we have a little gold as a safe asset within client Portfolios – the currency of last resort. The Bank of England looks after 5,100 tonnes of this total. It is estimated that around the world, above the ground there are 187,100 tonnes of gold though this does include jewellery, personal stores and coins as well. Around £14billion of gold is traded every day. In silver, the figures stored are much smaller – 32,000 tonnes stored in London worth £14.5billion.


Founded in 1985, Philip J Milton & Company are delighted and proud to offer a fully independent financial and investment planning service and we advise upon all aspects of clients’ financial affairs.

The Financial Conduct Authority does not regulate some areas mentioned on our web site including: Buy to Let Mortgages, Claims Management Activity, Taxation & Accountancy, Probate Administration and Will Writing.

Risk Warning - Stockmarket investments can offer income through the payment of dividends and interest and good opportunities for capital appreciation over the longer term. By this, generally we mean periods in excess of five years, preferably much longer. However, we can never promise you particular returns, especially in the short-term. At any point in time but especially in the short term, your capital could be worth less than the original amount invested as some of the selected holdings may fall in value, regardless of expectations at the time of acquisition. We may also invest in funds that hold overseas securities. The value of these investments may increase or decrease as a result of changes in currency exchange rates. Returns achieved in the past cannot be relied upon to be repeated.

Philip J Milton & Company Plc is authorised and regulated by the Financial Conduct Authority.
Philip J Milton & Company Plc is entered on the FCA register (http://www.fca.org.uk/register) under reference: 181768.
# Registered Office: Sterling House, 17 Joy Street, Barnstaple, Devon EX31 1HE
Registered and Incorporated in England number 3233275 | VAT number 682 2544 28
A list of the Directors is available from the registered office

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