Pandemic forces people to reassess their finances. The COVID-19 pandemic has affected every part of our lives and continues to have a widespread impact across all aspects of financial life, including retirement plans. Life in lockdown prompted many people to adjust their priorities, for example, to move nearer to family, take staggered retirement or retire…
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Fear, worry and stress are normal responses to perceived or real threats, and at times when we are faced with uncertainty or the unknown. So it is normal and understandable that people are experiencing fear in the context of the COVID-19 pandemic. New research reveals that only a small proportion of people notify their insurer…
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Women are being urged to think about their long term savings Imagine reaching retirement age and discovering that, despite years of saving, you don’t have enough money to get by. Worse still, suppose you’re unable to pay for the right kind of care in your old age. If you and your partner separate or your…
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Is your wealth protected from the damaging effects of inflation? Many people underestimate the damaging effect of low interest and high inflation on the cash savings. A continued period of low-interest rates on cash savings and rising inflation could pose a real risk to savers in 2022, even if the Bank of England (BoE) moves…
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The consequences of inaction on climate change are now impossible to ignore. Every company has an impact on the world around us. And by investing in them, so do we. Devastating wildfires ripping through several countries, the aftermath of Storm Ida that caused unimaginable flooding across the northeast of the US, storm Arwen that brought…
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Make full use of your relevant tax planning opportunities. With the tax year-end (5 April) on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. We have provided some key tax and financial planning tips to consider prior to the end of the tax…
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All of our February financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation…
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3.6 million Britons have lost track of their pension savings. The more old pensions you have, the easier it is to end up losing one. Tracing pensions from years ago can be a hassle. Over 3.6 million Britons admit they have no idea how many pensions they have and risk paying more in fees than…
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Is now the time to look for long-term alternatives? The relentless effect of inflation over time can be detrimental for those keeping large sums in cash and attracting interest at a low or even zero rate. The combination of rising inflation and low interest rates make holding cash unappealing. Many people underestimate the damaging effect…
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Setting a financial New Year’s resolution you’ll actually keep. Heading into the New Year, it’s the perfect time to take stock of your budget, liabilities and investments – and check them against your financial goals. The New Year brings an opportunity to reflect on the past year and to set new goals for the year…
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Welcome to our Guide to Self- Invested Personal Pension Schemes. Saving for your retirement is one of the longest and biggest financial commitments you will ever make. Imagine you are retiring today. Have you thought about how you are going to financially support yourself, and potentially your family too, with your current pension savings? If…
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Pension investments to harness a more sustainable planet Few people are aware of what their workplace pension invests in, let alone how their pension provider incorporates Environmental, Social and Governance (ESG) matter into the process. Almost two-thirds (64%) of UK pension holders say that they didn’t know their pension could be invested in ways to…
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