• 06 Nov 2019

    Introduction

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02
Nov
2019
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Top Five Things To Do To Help Your Loved Ones After You Have Gone

1 . WRITE A WILL A Will ensures that the right people inherit from you, and while most of us know how important it is to have a Will and keep it up to date, many of us don’t do it. The research shows that three in five adults (60%) don’t have a Will, and a quarter (26%) of those are aged 55 and above. It’s especially important for cohabitating couples to have a Will, as the surviving partner does…

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02
Nov
2019
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Driving Towards The Next Phase Of Your Life- Retirement

Getting the date right can help you reach your destination sooner At some point you’ll say ‘goodbye’ to your co-workers, get into your car and drive towards the next phase of your life – retirement. But when will that be? The move to retirement is one of the most important decisions you’ll make, so it’s not surprising that determining the date is harder than you may ever expect. However, most over-45s are not making plans to match their hopes for…

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02
Nov
2019
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Your Isa, Your Future- Time To Reimagine How To Invest More Tax-efficiently?

Each tax year, from the age of 16 we are each given an annual Individual Savings Account (ISA) allowance. The ISA limit for 2018/19 is £20,000, and anyone wishing to utilise their allowance should do so before the deadline at midnight on Friday 5 April 2019. The date marks the end of the 2018/19 tax year. It is a ‘use it or lose it’ allowance, meaning that if you don’t use all or part of it in one tax year,…

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02
Nov
2019
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No Pain, No Gain- Planning To Get Where You Want To Be

Successful saving and investing is arguably a lot like exercise – no pain, no gain. As is the case when undertaking a new fitness regime, if you properly commit yourself and stick to it, the eventual outcomes can be very rewarding. Many people have savings and investment goals in their life, from the old adage of saving for a rainy day to planning for a comfortable retirement. Working out exactly what you want to get out of your investments will…

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02
Nov
2019
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Protecting You And Your Family’s Finances- Top Reasons People Gave For Not Taking Out Protection

There are many things to consider when looking to protect you and yourfamily. It may not be the most exciting of subjects, but it answers one of ourmost basic desires – to keep safe all that we hold dear. The State of the Protection Nation report [1] reveals that the top reason people gave for not taking out protection was that they think premiums are too expensive (69%). They also believe they won’t get ill and they don’t need insurance….

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28
Jan
2019
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Financial Education For Your Children

Currently children do not receive any financial education as part of the school curriculum. In my view, this leaves children unprepared for the realities of adult world and potentially vulnerable to easy access credit that could set their financial futures off to a poor start. When it comes to discussing money, I recommend encouraging children to talk openly and regularly about it so it’s not seen as a taboo subject. In this article I discuss what I believe should be…

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27
Jan
2019
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Using Your Business As A Financial Planning Tool

Over the years I have advised a number of business owners on their finances. I have noticed that many of these business owners are so busy running their businesses they are missing out on opportunities to use their business as a financial planning tool. In this article I identify two powerful, and often overlooked, ways in which a business can be used as a financial planning tool. I also highlight the importance of using a business as the ‘engine room’…

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25
Jan
2019
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Brexit Proof Your Finances

During my last few client meetings, I have sensed there’s a great deal of nervousness amongst my clients about the impact that Brexit may have on their personal finances. Will it cause the stock market to crash? Will the pound sterling plummet as a result? What about price inflation, is that going to start shooting up? Investors don’t like uncertainty, but right now that’s what we’ve got. It’s been well documented in the press the uncertainty amongst the Government, HM…

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19
Jan
2019
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7 Tips For Protecting Your Finances After Winning The Lottery!

  There is saying that suggests you actually need at least £5 million to live like a millionaire! As a reality check – an investment pot of £1 million should give you about £50,000 per year before tax or around £36,000 per year after tax (depending on how it is held). So helicopters and castles in Spain would still be far out of reach! Having advised a handful of lottery winners, I’ve written the following article as my advice to…

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18
Jan
2019
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Declutter Your Finances For 2019

An important part of the financial advice process is to firstly establish a client’s current financial position including their investments and the insurance policies they have in place. In my experience clients tend to accumulate various different financial products over time. Some of these products can get neglected and others, in particular insurance policies, can get forgotten about. This can lead to a client having multiple policies and investment products in place that may no longer be suitable for their…

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