'I experienced my first case of discrimination against gay people early on in my career…'

Are you being asked to take a HIV Test? Chris advises one couple that, in applying for Life Assurance, are required to take one.

Do you earn more income than you can prove? Chris advises a couple, who are looking to set up home together, on a Self Certified Mortgage.

Is your full income covered by your pension? Chris advises a female client on her worrying pension situation.

How much tax are you paying on your investments? Chris advises a client who’s paying far too much tax on his savings.

'We are proudly launching our new ‘Love for Life’ Assurance service…The service offers large amounts of Life Assurance, Critical Illness Cover and Income Protection without any commissions deducted.'

How much Life Assurance do you actually need? Chris calculates the ‘insurable interest’ for one couple in a Civil Partnership.

Chris advises one client who is about to pay an arrangement fee that is not all that it seems.

Chris advises one client who has neglected his retirement planning.

Are you looking to invest money? Chris recommends Pink Investments brand new Investment Bond to a client.

Chris gives advice to one couple, who spend their whole life together.

Chris looks after one client who lost half of his property to his ex partner.

Chris advises one client who wants to plan for a better future.

‘It’s all about the performance’

Chris advises one couple who have recently signed a Civil Partnership.

Chris advises a complicated love triangle on protecting their major assets.

Chris advises a client who has recently lost his partner, along with any right to claim his dependant’s pension.

Chris meets one couple who are facing a Civil Partnership dilemma over their investments.

'Civil Partnerships find that there’s a whole new world of commitments and debt after signing registration documents…'

Chris advises one client on making the most of four existing pension plans.

Chris meets a client who is looking for both good value and performance.

Chris advises a client on his existing Life Assurance policy, and reduces his premiums.

Chris rescues one client from paying an excessive arrangement fee on her mortgage.

Chris advises a group of gay businessmen, who are about to insure each other’s lives.

Chris helps one client escape paying excessive arrangement fees on his mortgage.

Could your pension be working harder?

Chris meets one client who’s about to waste 4% of his money on initial charges.

"Instead of being overcharged for our ‘sexuality’ – we can now compare providers for the best possible deal…'

Chris advises one couple who, when applying for Life Assurance, have been asked to take a HIV test.

'Mark and Justin are looking to borrow £50,000 to pay for their Civil Partnership Celebration by extending their mortgage…'

'Although it is highly unusual for three people to apply for mortgages together, it is not impossible…'

'The Association of British Insurers introduced a new statement of best practice on HIV and Insurance for implementation by October 2005. This Consumer Guide is a summary of those improvements and the guidance put in place.'

Chris advises a client who doesn’t know whether to disclose his past STD’s.

'I feel it’s time to share some of the examples of questionable advice that have crossed my desk.'

Chris meets one client who lied on his Life Assurance application form.

Chris meets one client who was told to lie on his application form.

Chris meets one client with a pension that has underperformed, even though the stock market has improved.

Chris meets one UK tax payer, who was offered an Offshore Bond for no apparent reason.

Is your money safe? Chris takes a look at one client’s existing With Profits Bond.

Is your money safe? Chris takes a look at one client’s existing With Profits Bond.

Chris speaks to one client, who is planning to let his home and buy a second one.

Chris helps a client with a heart condition find Life Assurance.

Chris advises one client being asked about his relationship on a Life Assurance application.

Are you promiscuous? Chris speaks to a client who is concerned about his sexual history affecting his Life Assurance premiums.

'Since the removal of the ‘Gay Question’ within Life Assurance over the last nine months, the role of the ‘gay’ financial adviser has changed dramatically'

Have you made a profit on your property? Chris helps one couple invest the proceeds from selling their property.

Are your pension assets working hard enough? Chris looks at one clients retirement plans.

Are you applying for Life Cover? Chris tests the new HIV and Insurance Guidelines for a large amount of Life Assurance.

What happens to the mortgage when the romance ends? Chris gives advice on a difficult separation.

Have you ever been in financial trouble? Chris offers help to one couple, whose debts are out of control.

Do you work in a risky occupation? Chris gives advice to one ambulance driver who is having trouble getting insurance cover.

Are you saving enough towards your Pension? Chris highlights forthcoming changes to Pensions.

Have you used all your tax free limits? As end of tax year approaches, Chris looks at the opportunities for investors.

Chris reports on the case of one client who unexpectedly found bad credit on his record.

Does your mortgage need protecting? In his latest finance column Chris offers advice to one recently married gay couple.

Is it time that you turned around your finances? Chris gives one reader a New Year’s Financial Makeover.

Chris Morgan offers advice on investing your hard earned cash.

'Sadly, there are still members of the GLBT community who are discriminated against by the insurance industry…'

'Are you going to be signing the partnership register?'

'Are you thinking of moving in with your partner?'

'Are you saving enough?'

'Are you expecting any inheritance money?'

'Have you ever thought of becoming a landlord'

'…30th September, we will finally have the opportunity to insure our lives, partners and income without fear of discrimination…'

'Are you and your partner under insured?'

'Is your Pension working hard enough?'

Chris Morgan gives some valuable advice for any lost or forgotten investments.

'Would you recommend your financial adviser?'

'I’ve lost count over the last six years exactly how many gay men have telephoned our office looking to avoid discrimination on Life Assurance…'

'How much would I be able to borrow on a mortgage?…'

'What would happen to your income if you became sick…'

'Jake is a client who’s been thinking of moving house for at least two years…'

'The dark world of fees, charges and commission on financial products is about to become very public'

'Are you one of those lucky people who have received a mortgage endowment warning letter? They come in various shades of Red, Amber or Green and relate to the level of under performance of your policy'

Chris Morgan highlights one very good reason that long term partners should consider signing the partnership register.

Chris Morgan gives you some clues that will make your life getting a mortgage easier.

'Would you give £50,000 to a complete stranger? This is exactly what an existing client was asked to do, when approached via an unsolicited phone call'

'In November, Mortgages and Insurance became regulated by the Financial Services Authority (FSA) for the first time. Chris highlights what we can now expect when we speak to our financial adviser'

'People with HIV are still discriminated against when taking insurance and mortgage products. Chris Morgan shares his experience with Dan who is HIV positive and trying to get Life Assurance to go alongside his mortgage'

'How are you going to spend your retirement?'

'Buying a property is a daunting prospect even at the best of times, let alone when following a relationship break up. Chris Morgan, shares Alan’s story'

'We’re now in a transitional period to the implementation of the new HIV & Insurance Guidelines in September… Between now and September we are still likely to come across companies who discriminate against us.'

'The landscape of the finance industry towards gay men is changing…'

'In March 1999, I decided to leave the security of working for a major bank, promising to end the personal questions asked of gay men on Life Assurance…'

'Never invest in anything you don't understand…'

'Pride Finance will take the role of policing these issues and monitoring financial product providers in their treatment of the gay community.'

Chris outlines the outlines his role within the ABI's (Association of British Insurers) new working group focusing on HIV and self responsibility.

Chris outlines the outlines the ABI's (Association of British Insurers) new working group focusing on HIV and self responsibility.

On the 22nd of April Chris met with the Medical Underwriting Committee of the Association of British Insurers (ABI) and delivered a detailed view of the insurance industry from a gay perspective.