Archives

 

UK Tax Guide: 5 You Should Know About

This content is for information and inspiration purposes only. It should not be taken as financial advice. To receive bespoke, regulated financial advice into your own financial goals, needs and situation please consult an independent financial adviser. Perhaps you are just starting your career and want a firmer grasp of different UK taxes to maximise […]
Posted on
Posted in Financial Planning

Which is Better: Investing in Equities or Property?

Many people are instinctively more attracted to the idea of investing in property, rather than building up a strong portfolio centring around stocks or equities. This is understandable; after all, real estate is inherently more tangible than indexes or graphs on a spreadsheet. You can feel, smell and touch mortar, which makes it feel more […]
Posted on
Posted in Investments

Your Pension Pots – Should You Combine Them?

This content is for information and inspiration purposes only. It should not be taken as financial advice. To receive regulated, bespoke financial advice regarding your situation and goals, please consult an independent financial adviser. Most people in the UK nowadays are likely to have careers spanning 40+ years, changing jobs at least 10 times before […]
Posted on
Posted in Pensions

National Insurance: How to Get the Best Deal

This content is for inspiration and information purposes only. It should not be taken as investment or financial advice. To receive regulated, tailored financial advice regarding your situation, please consult an independent financial adviser. National Insurance (NI) is effectively another kind of income tax, even if the UK government might not refer to it as […]
Posted on
Posted in Financial Planning

How to Cope With Investment Falls

If you didn’t start investing before the 2008 financial crisis, then you might not know how emotionally-searing that year was. Or perhaps you did go through it, but have blanked the pain from your memory! In the years since that time, the investments markets have generally performed quite well for many UK investors (not without […]
Posted in Uncategorized

More Tips on How to Avoid a Pension Scam

In 2018 the Financial Conduct Authority (FCA) estimates that nearly £15m was lost in total to pension scammers, with the average person losing £82,000. What makes the figures even more alarming is that over one-third of pension savers admitted to the FCA that they would be vulnerable to popular methods used by scammers (e.g. discussing […]
Posted in Uncategorized

Applying For A Mortgage? Prepare For These 10 Questions…

Since the 2008 financial crisis, greater legal restrictions on mortgage lenders have made it considerably harder to apply for a mortgage loan. No longer is it possible simply to walk into a bank with your most recent payslips and expect approval. These days, you need to go to more considerable lengths to not only prove […]
Posted in Uncategorized

A Short Guide To Personal Pensions

Broadly speaking there are at least three types of pensions available to UK citizens: The state pension Workplace pensions Personal pensions The first two are fairly straightforward. Your state pension is money handed to you from the government once you reach your state pension age (which can vary for each person), whilst your workplace pension […]
Posted in Uncategorized

5 Tips to Reduce Your Retirement Age

The desire to retire early is a common goal amongst our clients. Perhaps they would like to spend more time with family, or travelling the world while they are still healthy enough to enjoy it. A world of options opens up at retirement, and it’s important to ensure that you can not only cope financially, […]
Posted on
Posted in Investments, Pensions

Should I Invest in a Holiday Home?

With the colder months rapidly approaching, it can be tempting to daydream about a bolthole in the sun. A peaceful sanctuary for the winter months, and a lucrative rental asset for the summer. While this may be a dream come true, there are a number of practicalities to consider, and it certainly isn’t for everyone. […]
Posted on
Posted in Financial Planning