It was a huge honour to be named the Personal Finance Society’s ‘Volunteer of the Year’ at a previous black tie awards evening. The Personal Finance Society (PFS) has over 35,000 members and the award was presented to me by famous actor, James Nesbitt – someone I’m a big fan of having watched him in…
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It was a huge honour to be named the Personal Finance Society’s ‘Volunteer of the Year’ at a previous black tie awards evening. The Personal Finance Society (PFS) has over 35,000 members and the award was presented to me by famous actor, James Nesbitt – someone I’m a big fan of having watched him in…
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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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Time to give your financial future a boost? Savers and investors have less than three months to use the £20,000 they can put into their tax-efficient Individual Savings Account (ISA) before the end of the financial year on 5th April. The current tax year started on 6th April 2021 and ends on 5th April 2022.…
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What will I receive from the state in my retirement? The State Pension is a vital source of income for millions of retired people across Britain. However, the system can be complex and it’s important that you know how it works. If you’re looking to maximise your income in retirement, a good place to start…
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Welcome to our January/February 2022 TIPS magazine. Inside, we look at New Year’s tax saving resolutions to make sure you are fully utilising 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…
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What are the financial consequences to stopping work in your 50s? Early retirement may be the ultimate dream for some, but the coronavirus (COVID-19) pandemic made it the only option for many. Figures from the Office for National Statistics show that over-50s had the highest redundancy rate between December 2020 and February 2021. Retiring early…
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‘How can I protect my money from inflation?’ is a question that many people may be asking themselves right now. In the current economic climate, rising inflation is becoming a concern for people with savings and investments. The effect means you’re potentially earning less money due to your hard-earned cash becoming worth less as time…
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People thinking more about their spending and financial priorities. The coronavirus (COVID-19) pandemic has lead to more people re-thinking how they spend and manage their money, with more than half (51%) now prioritising saving for an unexpected event or loss of income, research published suggests. A third (32%) are setting aside money. This reflects Bank…
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Your opportunities. Your wealth. Your legacy. Part of the process of putting in place a successful personal lifestyle financial plan is to understand your ‘number’ – in other words, the amount of money you’ll ultimately need to ensure complete peace of mind in knowing your future lifestyle is secure and making sure you don’t run…
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Many of those who seek to change their lives and move forward find they encounter roadblocks. These roadblocks, which come in the form of unnecessary fears and worries about what might happen next, can stop us from reaching our potential and achieving happiness. Visualisation is a powerful tool that we all use every day, without…
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Think about your goals for this coming year – what do you want to accomplish? Goals help us understand what areas we need to focus on, provide a framework for action planning, and give us a sense of accomplishment as we work towards achieving them. Sometimes it’s hard for us to imagine the future we…
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Why parents should look to Christmas investment gifts instead of toys. With the festive season arriving, have you thought about gifting your children or grandchildren something different this year? Giving them a good start in life by making investments into their future can make all the difference in today’s more complex world. Lifetime gifting is…
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All of our December 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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