Author: Dean
A Guide to Weathering Stock Market Turbulence
Market turbulence occurs when the stock market suddenly, and unexpectedly, rises and falls within a short space of time. It can be highly disconcerting for investors who have their assets tied up with these stocks, especially when these decline in value. In such times, there is often a strong emotional and social pressure to pull […]
Posted in Investments
A Simple Guide to Asset Allocation
Investing presents great potential rewards in the form of monetary return, but it also involves risk. The amount you get back from your investment – and the degree of risk involved – depends heavily on the type of asset you invest in. UK government bonds, for instance, are generally seen as “lower risk” and “lower […]
Posted in Investments
Is Equity Release Right for You?
Equity release is not a decision to take rashly. That said, it can be a powerful way to unlock a significant set of cash if you really need it. In brief, equity release is the process of taking some of the equity in your property and converting it into cash. You can take the full […]
Posted in Financial Planning
2018 Budget Highlights
Philip Hammond, UK Chancellor of the Exchequer, published the 2018 Budget to Parliament on 29th October. Many people are rightly asking, how will this budget affect me? On the higher level, the Budget spoke about the economy. Notably, the deficit has reduced from 9.9% in 2009/10 to 1.1% today, and 3m more people are in […]
Posted in Blog
10 Quick, Useful Property Search Tips for First-Time Buyers
Getting onto the property ladder and purchasing a house is likely going to be one of the biggest buying decisions you’ll ever make. You therefore need to be really sure that you’re avoiding the common errors committed by first-time buyers, which can end up becoming very costly. In this guide, our financial advisers are going to share some […]
Posted in Financial Planning
Getting Married? 10 Tips To Keep Wedding Costs Down
We admit, it’s not the most romantic thing to think about. Yet with average wedding costs now standing at over £30,000 (a 12% rise on 2017) it’s worth considering whether there are ways to bring the wedding bill down without compromising the magic of the day. As financial advisers, a large part of our […]
Posted in Financial Planning
6 Things You Must Know When Starting A Pension
If you are looking to be paid more, starting a pension can be a great way to do it. When you put money aside into a pension pot, the government effectively tops it up through tax relief. In addition, if you are employed and put into a workplace pension, then your employer will contribute […]
Posted in Pensions
How to navigate Tax & NI when you are self-employed
When you are employed in the UK, most people do not need to worry about Income Tax and National Insurance too much. For self-employed people, however, things aren’t usually so simple. For an employed person, assuming you are on the right tax code and have no work outside your employment, your employer should sort […]
Posted in Financial Planning
Buying Your First Home? Here’s A Simple Timeline Of What To Expect
It is often said that the three most stressful things a person can experience are divorce, changing jobs and moving house. The first two are beyond the scope of this article. As experienced mortgage and financial advisers, however, for those looking to buy a home – we can help. One way to help alleviate […]
Posted in Blog
5 Self-Defence Tips Against Financial Scams
There are very few worse experiences than the feeling which comes from being robbed. It leaves you feeling shaken, violated and insecure. Online robbery – otherwise known as scamming – is prevalent these days, and some of the worst cases occur when it comes to theft in the realms of pensions, finances and personal […]
Posted in Blog