We readily trust medical professionals with our health and legal professionals with complex legal matters. Yet, some people hesitate when seeking advice on financial matters. This might be attributed to a few different factors. Firstly, finance can feel incredibly personal and private, leading to discomfort at the thought of discussing it openly. There’s also a…
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Welcome to our September/October 2023 edition. In this issue, we look at investment bonds and explain how they offer several benefits that some investors may be missing out on, which have become even more beneficial due to recent changes in tax regulations. This follows last November’s Budget and the Chancellor’s decision to reduce the Capital…
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As a parent, ensuring the wellbeing of your children is a top priority. From having open conversations with your partner to creating a Will, there are straightforward measures you can implement to provide them with the protection they deserve. Open the conversation Discussing sensitive topics might be uncomfortable, but it’s essential for planning and protecting…
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As you enter your 50s, retirement is no longer a distant dream but a rapidly approaching reality. Ensuring that your investments work diligently to secure the lifestyle you envision for your golden years is crucial. By optimising your financial strategy now, you can confidently retire according to your personal goals and aspirations. Defining your retirement…
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All of our August 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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Welcome to our Decade-by-Decade Guide to Retirement Planning. Planning for retirement is essential to ensure you have the financial security to enjoy your golden years. As retirement can be a long way off, it’s essential to start saving for retirement as early as possible. Retirement planning can seem overwhelming, especially when you don’t know where…
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Welcome to our ‘Guide to Bonds vs Equities’. UK investors seeking income often face the challenge of deciding between bonds and equities for their investment portfolios. Each asset class has unique benefits and risks, making it crucial to understand their differences and evaluate risk tolerance, investment objectives and time horizon. Equities and bonds exhibit lower…
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The MoneyAge Awards are back for their ninth year, shining a spotlight on the outstanding achievements and progress in the personal finance industry. This year, Truly Independent are delighted to have been shortlisted for the prestigious “Firm of the Year” award. As the sector continues to evolve and grow, the MoneyAge Awards provide a platform…
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British workers overpay £8.2 billion in tax due to wrong codes. According to new research, more than two-fifths (43%) of UK adults who have checked their tax code have found they are on the wrong one. While a fifth (20%) of those who were on the wrong tax code were underpaying, almost three-quarters (71%) were…
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Welcome to our July/August 2023 edition. In this issue, a comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it. Although retirement may appear distant at the moment, there’s much to consider. Let us assist you in navigating this crucial life milestone. By planning ahead and making smart…
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Nearly one million pre-retirees consider annuities. Pre-retirees, aged over 55 and still in work, are considering annuities for the first time in preparation for their retirement, according to new research. Nearly one million (990,000) people fall under this category. Of these, 16% are thinking of the product due to improved rates against the backdrop of…
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Investing can be an intimidating and complex topic, but it doesn’t have to be with professional financial advice. Understanding the basic truths of investing will help you make better decisions, regardless of how much money you may or may not have. By understanding these principles, you’ll be one step closer to achieving your long-term goals.…
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