Month: March 2018

A Guide to Stock Market Turbulence

Don’t let global uncertainties affect your financial planning for the years ahead The overall direction of developed stock markets is a relentless and continual rise in value over the very long term, punctuated by falls. It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns, can often miss out on opportunities to invest at lower prices. A Guide To Stock …

A Guide to Stock Market Turbulence Read More »

A Guide to Income Protection

Financial resilience and peace of mind for individuals and households If you were one of the million people in the UK each year that find themselves unable to work due to a serious illness or injury, how would you cope financially? The Association of British Insurers 2017 findings highlight the fact that of these, many find it difficult to survive on their savings or on sick pay from work. A Guide To Lifestyle Planning:Coping financially …

A Guide to Income Protection Read More »

A Guide to Lifestyle Planning

Helping you create the life you want Welcome to our Guide to Lifestyle Planning. Making provision for a secure future, be it for yourself, your family or your business, is one of the most important steps you will ever take. Changes in your circumstances or the effects of inflation will require you to regularly review and act upon your financial situation. Whatever your goals are along life’s journey, we’ll help you keep them within sight. …

A Guide to Lifestyle Planning Read More »

Tips to minimise the tax you pay

Have you utilised all your year-end tax planning deadline opportunities? As we near the 2017/18 tax year end on 5 April, if appropriate to your particular situation, we’ve provided some tax planning tips to help you maximise the use of your various tax allowances and minimise the tax you pay. We take a personal approach to your tax needs. Informed by our detailed knowledge of your affairs, we explore some of the best options which …

Tips to minimise the tax you pay Read More »

Wealth preservation

Reducing Inheritance Tax means taking action now Without professional advice and careful financial planning, HM Revenue & Customs (HMRC) can become the single largest beneficiary of your estate following your death. A recent survey about Inheritance Tax (IHT)[1] shows that wealthy Britons over the age of 45 are either ignoring estate planning solutions or they have forgotten about the benefits these can provide. Only 27% of those surveyed have taken financial advice on IHT planning, …

Wealth preservation Read More »

Financial freedom

Creating and maintaining the right investment strategy Our life is an endless series of daily choices, and how we manage those choices determines the outcome of our life. We all want financial freedom, but how will we achieve it? Financial goal-setting is the key to building wealth. There are always going to be bumps in the road on every journey, which is why it’s essential to be flexible enough to adjust your plans when the …

Financial freedom Read More »

New lease of life

Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve. According to new research[1], retirement has meant a new lease of life for millions of people who have given up work in the …

New lease of life Read More »

Market matters

Don’t let current global uncertainties affect your financial planning It’s important not to let current global uncertainties affect your financial planning for the years ahead. People who stop their investment planning, particularly during market downturns, often miss out on opportunities to invest at lower prices. It’s important to stick to your strategy and keep moving ahead consistently by spreading risk and growing your wealth for the long term. Higher inflation and faster interest rate rises …

Market matters Read More »

Why being over 40 is the new mid-20s

Healthier lifestyles and feeling happier about financial planning for retirement An increasing number of middle-aged Britons are getting healthier as they exercise more and eat better than they did when they were younger. Over-40s are turning to healthier lifestyles, with more than half rating themselves as more health-conscious than they were in their mid-20s, according to new research[1]. Nearly one in five (17%) of working over-40s say they are physically fitter than they were in …

Why being over 40 is the new mid-20s Read More »

Beware of the scammers

Fraudsters employ increasingly advanced psychological tactics to persuade victims to invest An estimated £1.2bn is lost to investment scams each year, with share sales, wine investments, land banking and carbon credits commonly used by fraudsters to target potential investors. Arecent study by Citizen’s Advice found nine out of ten people would fail to spot common warning signs of a pension scam, such as unusually high investment returns, cold calling and offers of free financial advice. …

Beware of the scammers Read More »