All of our June 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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What will your legacy look like? April brought a host of changes to the UK’s tax regime, with some thresholds for taxes such as additional rate Income Tax being lowered while others, such as Corporation Tax, are increased. However, the Inheritance Tax (IHT) nil-rate band has remained stagnant at £325,000 since 2009, despite the meteoric…
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Knowing how much you’ll receive is vital for planning your future finances. The State Pension age is set to rise to 67 by 2028, followed by a subsequent rise to 68 between 2044 and 2046. However, there is currently a review being conducted to determine the appropriateness of the existing timetable. This review will help…
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Welcome to our May/June 2023 edition. In this issue, Chancellor Jeremy Hunt’s first proper Budget 2023, on Wednesday 15 March, brought some welcome but unexpected changes to pension tax, the most significant of which was the abolition of the pension Lifetime Allowance (LTA) charge. Britons can now expect significant changes that will affect their retirement…
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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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