• 06 Nov 2019

    Introduction

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17
Jul
2021
0

BOOST YOUR PENSION SAVINGS

PLANNING TO ACHIEVE YOUR RETIREMENT GOALS SOONER Are you ‘mid or late career’ or planning to retire within ten years? If the answer’s ‘yes’, then you probably want to know the answers to these questions: Will I be able to retire when I want to? Will I run out of money? How can I guarantee the kind of retirement I want? But, for many different reasons, planning for retirement is a commonly overlooked aspect of personal financial planning and this…

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06
Jun
2021
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Grandparents, Grandchildren And Money

SHARING YOUR WEALTH DURING YOUR LIFETIME CAN MAKE A BIG DIFFERENCE With all of us leading longer lives, you might be considering how you can help your family when it matters most. Sharing your wealth during your lifetime can make a big difference and bring you a lot of joy, particularly when helping younger generations who are dealing with rising house prices and university fees. After you’ve determined how much you can afford to give, there’s a simple starting point….

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17
May
2021
0

PENSION LIFETIME ALLOWANCE

HOW TO STAY WITHIN THE LIMIT TO AVOID A TAX CHARGE If you’ve been diligently saving into a pension throughout your working life, you should be entitled to feel confident about your retirement. But, unfortunately, the best savers sometimes find themselves inadvertently breaching their pension lifetime allowance (LTA) and being charged an additional tax that erodes their savings. If you are a high-income earner or wealthy individual, you could be putting too much into your lifetime pension and risk exceeding…

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14
Apr
2021
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Reduce your Inheritance Tax

Inheritance Tax is payable in the UK on death, and sometimes when you give away certain assets during your lifetime.  It can be a great concern for individuals with wealth exceeding the current £325,000 nil-rate band (2020/21 tax year). Naturally, you’ll want to pass on as much as possible to your loved ones, rather than paying 40% to HM Revenue & Customs (HMRC).  Are you worried your family could be left with an Inheritance Tax bill after you’re gone? HERE…

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17
Feb
2021
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WEALTH NEEDS MANAGING- NOW MORE THAN EVER

ACHIEVING YOUR FINANCIAL GOALS THROUGH INVESTING, AND ONE SIZE DOES NOT FIT ALL Even as we hope to put the coronavirus (COVID-19) pandemic in the rearview mirror in 2021, uncertainty regarding both the virus and Brexit is likely to continue to weigh on the UK and global economies as well as on our personal finances during this year. While we hope volatility is less elevated this year, financial markets and the economy could still remain at the mercy of COVID-19…

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04
Jan
2021
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NEW YEAR, NEW FINANCIAL GOALS

At the start of every year we have great intentions, as financial promises are renewed. Getting our financial life in order will be a top priority for many as we enter 2021. Consider focusing on two key areas: goals related to being prepared for the unexpected this year, and those related to what you want to be different at the end of the year. 10 AREAS TO CONSIDER WHEN SETTING NEW YEAR FINANCIAL GOALS New Year’s resolutions can be notoriously…

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19
Dec
2020
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‘NO DESIRE TO RETIRE’ WHY WORKING AND RETIREMENT ARE NO LONGER BINARY TERMS

Giving up the 9-to-5 doesn’t necessarily mean stopping work. Many people are now considering staggered or flexible working. It can suit some individuals who have caring responsibilities or health issues, or those thinking about retiring in the next few years. When you picture yourself in your golden years, are you sitting on a beach, hitting the golf course or working behind a desk? For many people of retirement age, continuing to work makes perfect sense. UNSETTLING PERIOD Several decades ago,…

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05
Nov
2020
0

‘SILVER SPLITTERS’, FINANCIAL FALL-OUT OF DIVORCING IN MIDDLE AGE

While the number of couples divorcing has decreased in recent years [1], with 91,299 cases in 2018 compared to 102,007 in 2017, the cohort of couples deciding to split in later life is on the rise. Also, pre-pandemic divorce valuations could have changed by as much as 30%, which may lead to some people receiving unfair settlements if valuations are not updated [2]. What’s the reason for the boom in socalled ‘silver splitters’? Some suggest that as lifestyles have improved…

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01
Oct
2020
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Choosing the right financial adviser for you

Entrusting an adviser with your life savings or your children’s inheritance, without any shadow of a doubt, is a decision that most people do not take lightly, and certainly not without carrying out some level of due diligence.  Often a referral is how many find themselves working with the adviser, but there are lots of people who essentially need to ‘start from scratch’ and rely on other resources, such as the internet to find their adviser. The internet is a…

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25
Sep
2020
0

Do I really need a financial adviser?

This is a question asked by many as often it’s difficult to see the value of financial advice, until you’ve experienced this for yourself.  There’s no doubt in my mind that working with a financial adviser can offer a number of benefits, and there are a number of reasons I can think of where it’s worth considering working with a financial adviser, including: We don’t always know what we don’t know.  We are tempted to follow the crowd. Individual investors…

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