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World markets have not been kind to investors since the start of 2008 and there is no obvious end to the uncertainty.

Selecting the appropriate investments now will determine how your portfolio fares through what are likely to be turbulent times ahead.

If you want some sensible, practical advice, you have come to the right place.

Tax Year 2008-9 began on 6th April and with it the new ISA regime.

* This is a good time to review your existing ISAs, especially the ones which used to be PEPs, to make sure that they are doing the job you want of them now.

* When did you last review your retirement strategy?

* Following the Northern Rock debacle, are you sure your savings are as safe as you would like?

Please contact us now if you would like a review

You can email us at: support@michaelphilips.co.uk

Authorised and Regulated by the Financial Services Authority.

FSA Firm Number: 144745