Financial Planning

July 2016

Choosing investments

By |July 26th, 2016|

What you need to know to become a more confident investor
Before you choose or make any investment decisions, you need to know that investing involves the possibility of loss. These key considerations help you become more confident about your investment decisions,often people also seek independent financial advice, that way they can be sure they are […]

What are your investment options?

By |July 22nd, 2016|

Helping you reach your long-term financial goals
In the current economic climate, with interest rates still around record lows, investing in the markets could enable you to achieve an inflation-beating return and help you reach your long-term financial goals.
If you’ve got sufficient money in your cash savings account – enough to cover you for at least […]

Advice with you in mind

By |July 20th, 2016|

One of the most important relationships you may ever have
Few people really have the time to understand the significant number of financial products on the market at any time. If you’re looking to invest, buy a protection product or plan for the longer term, expert professional financial advice is essential to help enable you to […]

Why now is the time to review your pension

By |July 18th, 2016|

Taking an active interest in your retirement savings
Millions of savers currently spend very little time reviewing their pensions, with more than a quarter of savers (28%) admitting to never reviewing their retirement savings, while almost a fifth (19%) of those with a pension said they review it less than once every five years according to […]

Pension confusion

By |July 14th, 2016|

Are most people unprepared for retirement?
People are still being left confused by pensions, with almost two thirds not understanding their key features, according to new research by Wesleyan.
The research conducted by the specialist financial mutual revealed how much confusion there still is among most people when it comes to their retirement planning. Three quarters of […]

The run-up to retirement

By |July 12th, 2016|

What the over 50s do with their money once the mortgage is paid off
Britain’s over 50s are splashing their extra income they receive once they’ve paid off their mortgages on holidays, home improvements and gifts for their children, while less than one in four are using the money to top up their retirement savings, new […]

Securing more of your wealth

By |July 8th, 2016|

You don’t have to be wealthy for your estate to be liable for Inheritance Tax
Protecting your estate is ultimately about securing more of your wealth for your loved ones and planning for what will happen after your death to make the lives of your loved ones much easier.
Peace of mind
Making sure that you’ve made plans […]

June 2016

Preserving wealth

By |June 23rd, 2016|

Should you review your situation with further changes on the horizon?
Inheritance Tax (IHT) affects not just the very rich – other people may be liable without realising it. Few taxes are quite as emotive – or as politicised – as IHT.
The structures into which you transfer your assets can have lasting consequences for you and […]

What are Defined benefit pension schemes

By |June 13th, 2016|

Secure income for life
A defined benefit pension scheme is one where the amount paid to you is set using a formula based on how many years you’ve worked for your employer and the salary you’ve earned rather than the value of your investments. If you work or have worked for a large employer or in […]

State Pension

By |June 10th, 2016|

New rule changes
The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date, you’ll now receive the new State Pension under the new rules. The aim of the new State Pension is to make it simpler to understand, but there are some complicated changeover arrangements which […]