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• Independent and whole-of-market advice
• Fully integrated tax and financial planning
• Intelligent investment and portfolio advice
• Peace-of-mind protection planning, including life insurance and income protection
• Comprehensive retirement and pension planning, including offshore options
• Later life planning that includes equity release and care fees planning
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Why Choose Us
Independent Financial Adviser
We are an independent financial adviser, authorised and
regulated by the FCA. Intelligence, clarity and conviction
are our hallmarks.
The Big Picture
2hWealthcare is an independent financial adviser, authorised and regulated by the Financial Conduct Authority. We offer a bespoke and fully integrated approach to your financial planning that always considers the Big Picture.
HOW YOU BENEFIT
• A thorough appraisal of your financial position
• Intelligent and practical advice
• Comprehensive and fully integrated financial planning for the long term
• Ongoing review and analysis
• Complete financial peace of mind
THE 4 BIG THREATS TO YOUR WEALTH
THE 4 BIG THREATS
TO YOUR WEALTH
The Monetary System
“Of all the monetary systems we could have, the one we have is the worst” - Mervyn King, former Governor of the Bank of England. Money is the life blood of any society that has progressed from barter to the division of labour. A civilised and enlightened society requires honest money that can be trusted by the people who use it and where the same rules apply to those who manage it. Yet today, post the 2008 financial crisis, our banks have become discredited institutions in the public eye. The core of the problem is a money system that is based upon ‘promises to pay’ or IOU’s, where the excessive growth of debt and credit far outweighs the assets. Our monetary system has become highly volatile, excessively indebted and ultimately is only being sustained by Central Bank suppression of interest rates.
When government debt becomes too high, it slows growth. Central Banks use ‘financial repression’ (suppression of interest rates and the formal pursuit of currency depreciation) as a means to reduce the real value of outstanding government debt. In the pursuit of monetary and price inflation the result is that savers become poorer in real terms.
Unfortunately, developed economies have been unable to control spending, whether war or welfare, for decades. But when growth falters, it is difficult to turn off the spending taps. Instead, the need to raise more tax to fund deficit spending becomes more acute and the results can be seen by significant tax increases, usually through stealth taxes such as stamp duty land tax, closing down tax breaks such as pension plan tax relief; economists suggesting that cash should be abolished on the grounds of money laundering; the concept of the 'bail-in' by deposit holders to bail out insolvent institutions; it all amounts to a concerted attack on private savings to increase the tax take.
Control of the supply of money is the key to power and wealth. The close relationship between Wall Street and the White House was not something that occurred by chance. This vested interest at the heart government is the reason the banks were not held to account for the crisis of 2008 and why it was the taxpayers who paid the bills for wild speculation and failure on the grandest of scales.