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Ian Brewer

top 25 innovative companies
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Western Mail named us as one of the Top 25 innovative tech companies in Wales!

Here at Lower My Charges, we are bursting with pride. We were recently listed amongst the top 25 most innovative tech companies in Wales! As quoted in the Business Live…

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Why Employee Benefits Packages work for Employers

Employee benefits are ‘perks’ that are received in addition to an employee’s pay. The advantages that benefits packages provide to employees is usually obvious, but providing benefits can also be…

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FCA eyes ban on contingent charging for pensions

There has been a debate raging on of late about banning contingent charging. This is the practice of financial advice firms not charging you for advice given if the advice…

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The FCA’s findings on ongoing Advice

There is a saying that less is more, but when this saying is applied to the Financial Services Industry how does that pan out for the customer? Well according to…

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FCA forces asset managers to disclose transaction costs on Workplace Pensions

Have you ever given it any thought that the pension scheme provided by your employer is value for money? Have you ever asked what the charges might be and are…

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FCA looking to tackle Advisers over giving value for Money

It has often been said that when it comes to giving financial advice how can it be measured when it comes to giving value for money With new disclosure documents…

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Fools Gold How Mifid II has revealed the true cost of funds

MIFID II came into force in January 2018 and it comes as no surprise that customers are now finding out they are paying a lot more than they previously thought.…

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Hidden fee
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How a 1% hidden fee wipes £100,000 from a £100,000 investment

It sounds unbelievable doesn’t it that you could be worse off by £100,000 due to charges when investing £100,000 over 30yrs which achieve identical returns but their charges were significantly different…

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Financial Advice and my Boiler

There a lot of debate at the moment on whether financial advice is worth paying for? In many ways, this is subjective depending on whom you’re talking too – which…

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Hidden Charges are Mythical – like the Loch Ness Monster

Last week there was a very interesting broadcast on Radio 4 hosted by Lesley Curwen called the Transparency Detectives which I would like to share with you. For those who…

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MiFID II
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Perfect Storm – MIFID II

The New Year has started with a bang – and the timing for us to launch Lower My Charges.com has been the perfect storm for us. Why? On January the…

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tell the truth
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Time to tell the Truth?

Time to tell the Truth? It has been 6 months since we launched Lower My Charges.com  and the speed of how things have developed has been amazing. Many respected journalists…

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