Author: Phil

 

Which is better: property magnate or stock investor?

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. People have different ideas about how to build wealth. Some imagine themselves building a large property portfolio (e.g. of Buy To […]
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Rising energy prices – how to reduce your costs

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Just as the UK seems to be emerging from one crisis – COVID-19 – it seems to be walking into another […]
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How much National Insurance will I pay?

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. National Insurance (NI) is often the “hidden tax” that many people do not fully understand – or factor into their tax-mitigation […]
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A short guide to phased retirement

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Retirement looks different to everyone. Some people look forward to retiring fully from age 57 and living off their investments for […]
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How the triple lock suspension affects you

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. You may have noticed in the news that a “suspension” of the state pension triple lock has been announced. The move […]
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Should I invest in China?

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Everywhere we look, headlines point to China’s immense influence and economic growth. Since the country implemented free market reforms in 1979, […]
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The value of financial advice laid bare

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. What is a financial adviser worth to you? At the very least, he/she can help you answer initial questions such as: […]
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Is a housing crash coming?

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Despite the pandemic, UK house prices appear to still be on the rise. In June 2021, for instance, prices rose by […]
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Should I defer my state pension?

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice please consult us here at Elmfield Financial Planning in Padiham, Burnley, Lancashire. The age from which you can start accessing your state pension depends largely on your age, but in […]
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Why tax planning matters

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice please consult us here at Elmfield Financial Planning in Padiham, Burnley, Lancashire. Taxes have the potential to significantly erode your wealth and investment returns if you do not manage them […]
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