<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" xmlns:media="http://search.yahoo.com/mrss/"
	>

<channel>
	<title>alan seward</title>
	<atom:link href="http://alanseward.wordpress.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://alanseward.wordpress.com</link>
	<description>Relationship-based, specialist financial advice for you and your business</description>
	<lastBuildDate>Thu, 17 May 2012 12:05:56 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.com/</generator>
<cloud domain='alanseward.wordpress.com' port='80' path='/?rsscloud=notify' registerProcedure='' protocol='http-post' />
<image>
		<url>http://s2.wp.com/i/buttonw-com.png</url>
		<title>alan seward</title>
		<link>http://alanseward.wordpress.com</link>
	</image>
	<atom:link rel="search" type="application/opensearchdescription+xml" href="http://alanseward.wordpress.com/osd.xml" title="alan seward" />
	<atom:link rel='hub' href='http://alanseward.wordpress.com/?pushpress=hub'/>
		<item>
		<title>What are your retirement aspirations?</title>
		<link>http://alanseward.wordpress.com/2012/05/17/alternative-ways-to-accumulate-retirement-wealth/</link>
		<comments>http://alanseward.wordpress.com/2012/05/17/alternative-ways-to-accumulate-retirement-wealth/#comments</comments>
		<pubDate>Thu, 17 May 2012 12:05:55 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Investment Diversification]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Property Investment]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Wealth management]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[inheritance tax]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Pension Advice]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=229</guid>
		<description><![CDATA[More than ten per cent of people who had planned to retire during 2012 are making alternative arrangements and putting off drawing their pension for the time being, according to the latest results from Prudential’s Class of 2012 research. Now in its fifth year, Prudential’s research focuses on the finances and aspirations of people planning [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=229&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/05/17/alternative-ways-to-accumulate-retirement-wealth/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>The cost of raising a child increases to £218,000!</title>
		<link>http://alanseward.wordpress.com/2012/05/11/the-true-cost-of-parenting/</link>
		<comments>http://alanseward.wordpress.com/2012/05/11/the-true-cost-of-parenting/#comments</comments>
		<pubDate>Fri, 11 May 2012 10:08:11 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Childcare]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Family budgeting]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[School fees]]></category>
		<category><![CDATA[Wealth management]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[income protection policies]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=227</guid>
		<description><![CDATA[A new report has revealed that most parents would rather do without themselves than radically cut back on what they can provide for their children &#8230; The annual Cost a Child Report [1] from protection and retirement specialist LV=, reveals the cost of raising a child from birth to their 21st birthday now totals a record [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=227&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/05/11/the-true-cost-of-parenting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>Developing a grown up attitude to your money</title>
		<link>http://alanseward.wordpress.com/2012/05/10/financial-responsibility-financial-planning/</link>
		<comments>http://alanseward.wordpress.com/2012/05/10/financial-responsibility-financial-planning/#comments</comments>
		<pubDate>Thu, 10 May 2012 11:36:31 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Inheritance Tax]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Wealth management]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=223</guid>
		<description><![CDATA[Why we are adopting a more mature approach to handling our finances &#8230; While 18 is traditionally seen to be the age at which we become adults, as a nation we are beginning to delay taking on the roles and responsibilities adulthood brings, according to new findings from Scottish Widows’ Attitudes to Planning survey. Grown-up [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=223&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/05/10/financial-responsibility-financial-planning/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>Are you getting closer to retirement?</title>
		<link>http://alanseward.wordpress.com/2012/04/30/pension-planning-for-those-nearing-retirement/</link>
		<comments>http://alanseward.wordpress.com/2012/04/30/pension-planning-for-those-nearing-retirement/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 10:39:36 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Wealth management]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[pensions]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=220</guid>
		<description><![CDATA[Being able to retire when and how you want to is all down to careful, forward planning &#8230; Making your savings grow and being able to retire when and how you want to is likely to be one of your most important financial objectives, but achieving this goal requires planning and perseverance. The closer you [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=220&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/04/30/pension-planning-for-those-nearing-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>Do you prioritise your family with your finances? Many don&#8217;t.</title>
		<link>http://alanseward.wordpress.com/2012/04/26/how-to-prioritise-life-insurance-and-critical-illness-insurance/</link>
		<comments>http://alanseward.wordpress.com/2012/04/26/how-to-prioritise-life-insurance-and-critical-illness-insurance/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 08:59:31 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Critical Illness Insurance]]></category>
		<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[critical illness insurance]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[income protection policies]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=218</guid>
		<description><![CDATA[Ignoring the issue of mortality and illness means you could be failing to protect the financial security of your family in the future&#8230; The latest Aviva Family Finances Report reveals that many UK families are putting luxuries ahead of protecting their loved ones financially. The report discovered that while 50 per cent of families are [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=218&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/04/26/how-to-prioritise-life-insurance-and-critical-illness-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>Everything you ever wanted to know about ISAs</title>
		<link>http://alanseward.wordpress.com/2012/04/20/individual-savings-accounts-tax-free-investments/</link>
		<comments>http://alanseward.wordpress.com/2012/04/20/individual-savings-accounts-tax-free-investments/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 09:57:56 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Cash ISA]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[ISA]]></category>
		<category><![CDATA[Junior ISA]]></category>
		<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=214</guid>
		<description><![CDATA[ Your Individual Savings Account questions answered   Q: What is an Individual Savings Account (ISA)? A: ISAs were set up to give you tax advantages on your savings and investments. There are two types of ISA: Cash and Stocks &#38; Shares. You can earn interest free of UK income tax with a Cash ISA and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=214&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/04/20/individual-savings-accounts-tax-free-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>Why end-of-tax-year planning should now be high on your agenda</title>
		<link>http://alanseward.wordpress.com/2012/04/18/lower-your-tax-bill-with-sound-financial-planning/</link>
		<comments>http://alanseward.wordpress.com/2012/04/18/lower-your-tax-bill-with-sound-financial-planning/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 08:36:38 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Capital Gains Tax]]></category>
		<category><![CDATA[Estate planning]]></category>
		<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Inheritance Tax]]></category>
		<category><![CDATA[ISA]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[inheritance tax]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=211</guid>
		<description><![CDATA[A review of your financial and tax planning to maximise your net income, business and family assets should now be high on your agenda prior to the tax-year end on 5 April 2012. Proper tax and financial planning could lower and defer the tax you pay, freeing up cash for investment, business or personal purposes. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=211&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/04/18/lower-your-tax-bill-with-sound-financial-planning/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>The principal tenets of spreading risk in your portfolio</title>
		<link>http://alanseward.wordpress.com/2012/04/17/investment-diversification-risk-management/</link>
		<comments>http://alanseward.wordpress.com/2012/04/17/investment-diversification-risk-management/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 09:36:33 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Investment Diversification]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Risk management]]></category>
		<category><![CDATA[Wealth management]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Portfolio diversification]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=209</guid>
		<description><![CDATA[One of the principal tenets of spreading risk in your portfolio is to diversify your investments whatever the time of year. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’. Diversification helps lessen what’s known as ‘unsystematic risk’, such as reductions [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=209&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/04/17/investment-diversification-risk-management/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>Expected retirement incomes hit five-year low</title>
		<link>http://alanseward.wordpress.com/2012/04/05/expected-retirement-incomes-hit-five-year-low/</link>
		<comments>http://alanseward.wordpress.com/2012/04/05/expected-retirement-incomes-hit-five-year-low/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 13:11:20 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[pensions]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=207</guid>
		<description><![CDATA[Taking some practical steps now could mean a more comfortable retirement&#8230; People retiring in 2012 expect to live on an average annual income of £15,500 – over £1,000 a year less (6 per cent) than those who retired in 2011. The figures come from Prudential’s unique Class of 2012 research, which provides insights into the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=207&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/04/05/expected-retirement-incomes-hit-five-year-low/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
		<item>
		<title>Are you in the savings habit?</title>
		<link>http://alanseward.wordpress.com/2012/03/30/how-to-become-a-regular-saver/</link>
		<comments>http://alanseward.wordpress.com/2012/03/30/how-to-become-a-regular-saver/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 09:34:22 +0000</pubDate>
		<dc:creator>Alan Seward</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[IFA Bath]]></category>
		<category><![CDATA[Independent Financial Advice]]></category>
		<category><![CDATA[Interest rates]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[ISA]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[IFA]]></category>
		<category><![CDATA[Independent Financial Advice Bath]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://alanseward.wordpress.com/?p=204</guid>
		<description><![CDATA[New report shows that the majority of Britons do save &#8230; Findings from the HSBC Savings and Investment Report 2012 highlight that the majority of Britons do save. However, this is down 12 per cent to 71 per cent from 83 per cent in 2010, with 29 per cent saying they never save. While 28 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=alanseward.wordpress.com&#038;blog=29519594&#038;post=204&#038;subd=alanseward&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://alanseward.wordpress.com/2012/03/30/how-to-become-a-regular-saver/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1778cb56d07cfd0b5d37f96d6b4f3131?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">ellipsiscopy</media:title>
		</media:content>
	</item>
	</channel>
</rss>
