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2019 March A05P7657
Back to the Future

Sue & I are pleased to announce that we have reacquired the business formerly known as Blythe Financial from the MitonOptimal group, effectively reversing the deal by which we joined the group in January 2017. The deal was approved by the Isle of Man Financial Services Authority on 7th March 2019 and the business will revert to its former name, Blythe Financial, with immediate effect. Other than the change of name, clients will not see any other changes to their…

2019 February UK-Isle-of-Man-Flags - 564Kb
URGENT: Your UK & IOM State Pensions

IF YOU ARE AN ISLE OF MAN RESIDENT, HAVE PREVIOUSLY WORKED IN THE UNITED KINGDOM AND HAVE A MINIMUM OF 3 YEARS’ NATIONAL INSURANCE CONTRIBUTIONS IN THE UK (BUT ARE NOT YET CLAIMING A STATE PENSION) YOU SHOULD READ THIS AND TAKE ACTION. BY TERRENCE LUNDIN | February 18, 2019 (If any of the links in the below document don't work, please find navigate to the Documents page on our website, where you will find this document with working links)…

2018 November Blythe Financial
A summary of the Isle of Man Insurance (Conduct of Business) (Long Term Business) Code 2018

This Code was introduced by the Isle of Man Financial Services Authority to address the problem of the perceived unfair treatment of policyholders by Isle of Man registered Life Offices. The Code was made on 1st November 2018 and comes into effect on 1st January 2019, although certain elements do not apply until 1st July 2019. The Code introduces a general overriding principle for Isle of Man Life Offices to treat policyholders fairly and is another step towards establishing a…

2018 August Brexit where are we up to 17-08-2018
Brexit: Where on earth are we up to?

“Confusion heard his voice, and wild uproar stood ruled, stood vast infinitude confined; till at his second bidding darkness fled, light shone, and order from disorder sprung.” John Milton, Paradise Lost Whilst Brexit is certainly by no means comparable to the earth’s creation as described by John Milton, there is an increasing sense of desperation, on both sides of the Brexit debate, that suggests that there is not going to be a salvation from the confusion that currently reigns. It…

2018 June Blockchain Technology – “A Solution still seeking a Problem.” 28-06-2018
Blockchain Technology – “A Solution still seeking a Problem.”

The quote “A Solution still seeking a Problem.” is taken from the Barclays Equity Gilt Study 2018 and summarises succinctly theirs, and a growing number of other institutions’, view of Blockchain technology. Putting it another way, the technology involved in Blockchain is both impressive and potentially useful, if we could only find a suitable use – the inference being that cryptocurrencies are not a suitable use. This strikes at the heart of the issues surrounding Bitcoin and other cryptocurrencies and begs…

2018 April Warning! Is your portfolio a ticking time bomb 10-04-2018
Warning! Is your portfolio a ticking time bomb?

As an independent Discretionary Fund Manager (DFM), MitonOptimal has been caring for private client portfolios for the best part of two decades. It is evident to us that the old ways of doing business are changing, both globally and locally, and without exception. In fact, traditional institutions that have relied upon clients having blind faith in their abilities and have been given carte blanche to operate ‘behind closed doors’ are no longer acceptable in an increasingly regulated, fee sensitive and…

2018 March pension-freedom-what-is-it-and-what-does-it-mean-08-03-2018
Pension Freedom – What is it and what does it mean for you?

The concept of pension freedom first raised its head in the UK over two years ago and was designed to allow holders of personal pensions and other defined contribution schemes (such as SIPPs) the ability to access as much or as little of their accumulated pension fund as they wished at any time. Prior to this, the amount of funds that could be withdrawn in any single year was tightly controlled and subject to strict rules. Those rules (with a…

2017 August Is the glass half full 24-08-2017
Is the glass half full?

There are, it has been said, two types of people in the world. There are those who, when presented with a glass that is exactly half full, say: this glass is half full. And then there are those who say: this glass is half empty. The world belongs, however, to those who can look at the glass and say: What’s up with this glass? Excuse me? Excuse me? This is my glass??? I don’t think so. My glass was full!…

2016 August Vector-Background-Radiant-Blue
Butterflies without wings are all deaf…

…it doesn’t matter how loudly you tell them to fly, they just don’t. This is a great example of false correlation and anyone who has studied statistics or psychology knows that correlation does not (necessarily) equal causation. As we await the Bank of England pronouncements today it is worth considering whether or not there are false correlations being made by the media, economists and markets where they are linking the poor PMI, services sector data and construction sector data to…

2016 July FTSE250 FTSE100
Some Further Facts 03-07-16

In my post last week I noted that, despite the mainstream media’s attempts to convince everyone that the markets had crashed, the facts of the matter were that the market behaviour was really not out of the ordinary and in fact “normal” (whatever that means). I would also swiftly add that reporting the facts does not imply one way or another my personal views regarding Brexit. The facts are the facts. Over the course of the past week we have…

2016 June BREXIT
“Don’t let the facts get in the way of a good story”

If you watched the BBC News at Ten or read most of the newspapers this morning you might be forgiven for thinking that the stock markets crashed yesterday and that we are now going through a financial meltdown the like of which has never been seen. This reporting style is both frustrating and disappointing and it is almost as if the media moguls and their editors had already decided, prior to the result, that Brexit was automatically going to be…

June BREXIT
“Are you sure the sky fell on your head?” they asked. “Well, maybe it was an acorn” said Chicken Licken.

Anyone familiar with this children’s story will remember the impending disaster that the farmyard in the story faced, only for it to turn out that the sky didn’t fall in after all. This morning as we make sense of what the Brexit vote means we would do well to remember that the world is still turning, the sky isn’t falling in and the markets are not collapsing. For sure, there is some volatility around but, to give some context, the…

2016 March Spring Clean
Spring Clean Your Financial Affairs?

Is it time to spring clean your financial affairs? We are more than happy to review your existing arrangements and offer advice to suit your personal requirements. Please contact us for more information as we would be delighted to assist. (Image taken on the Isle of Man on Sunday 28th February 2016). If you have any questions or would like some advice from one of our Chartered Financial Planners then please feel free to call us on 01624 619180 or…

2016 February FV=PV(1+r)n
Blythe Financial Investment Update

For those of you who are not of a mathematical persuasion the above equation is a very neat and simple statement about how to generate returns. FV stands for Future Value and the 3 key elements to Future Value are:- 1. Your present value (PV); 2. The rate of return (r); and 3. The amount of time the PV has at the rate of return (n). Simple! Or so it seems…. The hard part usually is knowing how to generate…

2016 January Blythe Financial
Don’t just do something stand there

Three weeks ago I posted my thoughts about 2016 and what it might hold.  Since then the markets have been a very uncomfortable place and, with commodities and bonds all having a wobble, you might be forgiven for wondering what we should do.   The natural reaction to the kind of news we are seeing is to be decisive and make some clear calls about what should be done.   The reality however is far from clear.  That central case…

2016 January Tamzyn Lane
January 2016 – Appointment of Tamzyn Lane

Blythe Financial is happy to welcome Tamzyn Lane to our team as an administrator and believe her industry knowledge and past experience will benefit our clients and our business. Tamzyn will be responsible for looking after some of the Company’s existing clients.   Tamzyn said “I am very excited to be offered a position with Blythe Financial. This is a fantastic opportunity to expand my knowledge and experience. I am looking forward to continuing my studies and providing the exceptional…

2016 January Blythe Financial
2016 Boom? Bust? Or more of the same?

At this time of year it is common to make some predictions about what might happen over the coming months, as though the arbitrary notch on a calendar marks the passing of what went before and points to the promise of what awaits. The reality of course is that what was happening in the world on 31st December continues in the same way on 1st January. That notch on the calendar does however give the opportunity to pause and think…

2015 December Blythe Financial
UK Ex-pats – Mind the (advice) Gap

The financial affairs of a UK ex-pat have a special place in the world of financial advice because of the unique situation in which most expats find themselves. On the one hand they are no longer resident in UK but may still have UK income tax issues to resolve and in many cases they will also be non-UK domiciled (a tax status that is almost exclusively British) but still be exposed to UK Inheritance Tax because they retain assets deemed…

2015 December Blythe Financial
From Not-a-Lot to Not-a-Lot More…

There is only one topic of conversation this morning in financial circles and that is the decision by the US Federal Reserve to raise interest rates for the first time in almost a decade. The volume of analysis in the lead up to the decision was huge and opinion was divided between whether an increase would be a good or bad thing. For what it is worth my view is that actually it is neither good nor bad in the…

2015 March Wagging tails
Wagging tails in the workplace

Dogs are part of office life at Blythe Financial in Douglas. Left to right: Jesse, financial consultant Jonathan Heyburn, co-director Sue Blythe, Holly, Jan Hobbs and Cookie Published Wednesday 18 March 2015 If you don’t mind them sleeping all day, it’s easy to find boundlessly enthusiastic staff who can take the stress out of any situation. Visit one of a handful of offices in the island and you’re guaranteed a warm welcome from their four-legged team members. Just don’t say…

2014 December Christmas is all about the joy of giving
Christmas is all about the joy of giving

Christmas is all about the joy of giving which was very evident at Victoria House Nursery this week when local Chartered Financial Planners, Blythe Financial, made a donation of 10 food hampers to the Helping Hands Appeal. Carolyn Nicholson and her team were on hand to receive the donations from Alan and Sue Blythe and Jan Hobbs, from Blythe Financial as well as Jesse, Cookie and Holly who surprised the children by wearing their special Christmas outfits for the occasion.…

2014 October news1
Giant beach cleaning session planned

Alan and Sue Blythe of Blythe Financial, sponsors of the final beach cleaning session at the Point of Ayre, and sponsors of the latest Beach Buddies bin, at the Ballaghennie Nature Reserve. Published on the 13 October, 2014 A giant beach cleaning session is planned for the north of the island this month to complete a long summer's work to remove rubbish which been gathering amongst the sand dunes for decades. The charity Beach Buddies is teaming up with Chartered Financial…

2012 March CFP-BF-image
Blythe Financial Picks up Two Awards at the Insurance & Financial Services Institute Annual Dinner

Blythe Financial Limited is proud to confirm that it was the recipient of two awards at the Institute’s recent dinner. Sue Blythe was awarded with the Educational Award for having achieved the status of Chartered Financial Planner and the Isle of Man’s first Fellow of the Personal Finance Society.  These are the most prestigious qualifications offered by the Chartered Insurance Institute and significantly more advanced than either the current or proposed regulatory minimum requirements. This is the second year running…

2012 March AB FPS
Alan Blythe was awarded the title of Fellow of the Personal Finance Society.

Alan Blythe was awarded the title of Fellow of the Personal Finance Society.

2011 October SB FPS
Finance expert Sue’s drive for perfection

SUE Blythe, director at Blythe Financial Limited, is understood to have become the island’s first and only holder of the Fellow of the Personal Finance Society (FPFS) designation. This was achieved through a continuous study programme, which has seen Sue pass 18 exams in the past three years, achieve the chartered financial planner status and demonstrate a continuing commitment to the Chartered Insurance Institute’s code of ethics and continuing professional development requirements. Sue said, ‘I am delighted to have attained…

2011 June SB Chartered 1
Sue Blythe was awarded the title of Chartered Financial Planner by the Chartered Insurance Institute.

Sue Blythe was awarded the title of Chartered Financial Planner by the Chartered Insurance Institute.

2011 January CFP-AB-FB-image
Alan Blythe was awarded the title of Chartered Financial Planner by the Chartered Insurance Institute.

Alan Blythe was awarded the title of Chartered Financial Planner by the Chartered Insurance Institute.

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