Danby Bloch

Danby Bloch is chairman of Helm Godfrey, which is an independent financial adviser on the issues of employee benefits, wealth management and financial planning.

He is also a consultant for Centaur Media’s Platforum product. Danby is a regular contributor to Money Marketing’s Technical Area.

Danby Bloch: The new tax year’s rates, reliefs and rules

Saturday 6 April heralds the start of a new tax year. Out with the old and in with the new rates, reliefs and rules. Tax planning is one of the aspects of advisers’ propositions that clients really value and are prepared to pay for, so make sure you are on top of the changes. The […]

Danby Bloch: Making a success of succession planning

While the consolidator route can work well for some firms, many have expressed dismay at such arrangements. Early preparation is key Business owners need to start thinking about the long-term goals for their firm at least 10 years before they want to make an exit – preferably sooner. The key question is what sort of […]

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Danby Bloch: Planning for the 100-year life

The chances of living to 100 are increasing and this has important implications for financial planning The other day, I was idly wondering how long I was likely to live – and the implications for my work, finances and family life. What prompted this terminal thinking was reading a book on holiday called The 100-Year […]

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Danby Bloch: Is your risk register up to scratch?

Advice is becoming a more risky business, meaning firms must rethink their approach to the issues they face Given the Financial Ombudsman Service’s compensation limit is set to rise to £350,000, it is time for advice firms to rethink their approach to the risks they now face. The FCA’s plan is for the new limit […]

Danby Bloch: Robo threat does not lie where you expect

The biggest competition will come from advisers harnessing the power of technology Robo is a threat for advisers – but not in the way most would expect. That was one of the key messages to come from the excellent Vanguard Investment Symposium held last month. The conventional view of robo is that many investors will […]

Danby Bloch: Getting older clients up to speed on relatives’ protection needs

Who could become financially dependent on your client if they became seriously ill or their spouse or partner died? How often have you heard the following statement: “We are specialist investment advisers and most of our clients are at or in retirement, so we do almost no protection business”? Do you say it yourself? Well, […]

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Danby Bloch: Is percentage charging best for your firm?

Forty per cent of advisers have reviewed their charging structure in the past six months, according to research by Platforum. The reason is not hard to find: regulation, and Mifid II in particular. But what is interesting is that, so far at least, advisers do not seem to be making changes to how they charge. […]

Danby Bloch: The case for income investing

It has been said advisers place too little emphasis on income from client’s investments “A gentlemen could jog along comfortably on £40,000 a year!” was the judgement of a man who knew what he was talking about when someone’s worth was measured by income rather than capital value. This emphasis on income was common throughout the […]