Make sure your retirement strategy meets your needs and goals. It’s important to make a well-informed decision when it comes to deciding what to do with your pension pot: drawdown, annuity or a combination of both. Making the right choice will affect your retirement for many years. Drawdown gives you freedom and flexibility, allowing you…
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Cost averaging, or pound cost averaging, is an investment approach that involves dividing up the total amount to be invested into equal amounts and investing these at regular intervals over a period of time. This strategy has become increasingly popular due to its ability to reduce the risk of investing in volatile markets, as well…
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People are increasingly becoming more concerned about the possibility of being affected by a critical illness such as cancer, stroke or heart attack, according to new research findings. This is reflected in the fact that searches for ‘critical illness insurance’ have skyrocketed, with, on average, 6,800 people searching for ‘critical illness cover’ every month, mostly…
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For anyone feeling the effects of rising inflation rates, it’s important to ensure that your retirement fund isn’t significantly impacted. While this can be challenging in such an uncertain economic climate, there are measures you can take to ensure that your savings don’t suffer. Here are some tips to help you protect your pension income…
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All of our April 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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Almost half of UK consumers find pensions daunting. In an era where the cost of living threatens to undermine consumer confidence, it’s no surprise that almost half of UK consumers find pension information overwhelming. When faced with such a daunting task, it can be difficult for individuals to make informed decisions about their retirement planning.…
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How professional financial advice benefits both you and your family. When it comes to managing your finances, the wealth of resources now available can make it easy to try and go it alone. However, obtaining the right advice from a qualified professional financial adviser will ensure you are able to plan ahead by including expectations…
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Almost one in three over-55’s mortgage repayment plans derailed. The cost of living crisis is a concerning and long-term problem for those trying to pay off their mortgage, especially over-55’s who are already having difficulty saving enough for retirement. Higher mortgage rates and rising costs of living are making it harder for some mortgagors to…
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Divorce involves many loose ends, both emotional and financial. It can generate high levels of uncertainty and financial stress, as it impacts on all areas of your life, from living arrangements to assets and pensions. That’s why financial planning through a divorce is essential to help protect your assets and prepare you for going forward…
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Welcome to our March/April 2023 edition. In this issue, financial planning can be a daunting and uncomfortable conversation for many, but thankfully attitudes towards talking about money are changing. Wealth succession should be an integral part of your financial plan as early as possible – because the right preparation now can have positive long-term impacts…
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Retiring early is a dream for many people. It is achievable for people who have been able to plan, save into a pension over a long period and take financial advice to help them plan their finances. However, it can become a financial problem if retirement is forced upon people before they have had time…
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With the current tax year having begun on 6 April 2022, the clock is ticking, and it is important to utilise all the tax reliefs and allowances available to you before 5 April 2023 in order to minimise any potential liabilities. Personal tax planning should be at the top of your agenda, as the end…
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