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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 […]
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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 […]
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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 […]
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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 […]
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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, […]
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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. […]
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Posted in Financial Planning

How to Start Your Own Financial Education

Everything you could ever want to know about money is available online, but where do you start? Depending on the source (and any vested interest they might have) the most important priority could be paying off debt, investing in property, or saving as much as possible for retirement. Some swear by investing in Bitcoin, and […]
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Posted in Financial Planning

Auto-enrolment: How It Works and Affects You

In 2012, the government introduced a new regime for workplace pensions. Prior to this, there was no requirement for an employer to contribute to their staff’s pension scheme, although they were required to provide access to a pension. Since 2018, all businesses in the UK are subject to the rules, as all eligible employees must […]
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Posted in Pensions

Understanding the State Pension: 4 Crucial Tips

In 2019-20, the maximum new state pension amounts to about £8,767.20 per year (£168.60 a week) – quite a significant sum towards helping fund your retirement lifestyle. Of course, it’s easy to assume that you will get the same amount from the government as everyone else when you retire. Yet this is not necessarily the […]
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Posted in Pensions

A Short Guide to Personal “Cashflow” Planning

When you hear the phrase “cashflow planning”, a common image which springs to mind is that of an accountant bent over spreadsheets in a large corporation. It is perhaps less common to think of ordinary people and couples in their 30s, 40s or 50s trying to figure out how much money they will need to […]
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Posted in Financial Planning