Author: Phil
How to avoid running out of money
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. Everything seems to be getting more expensive in 2022. The energy price cap stood at £1,277 in October 2021, yet it […]
Posted in Financial Planning
4 ideas to pay less in tax
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. Is your tax bill higher than it needs to be? As many as 1 in 6 people pay more to HMRC […]
Posted in Financial Planning
A short guide to saving for private school
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. Private school in the UK is certainly not cheap. In 2022, average fees are £4,980 per term, or £14,940 per school […]
Posted in Financial Planning
Your rights if a company pension scheme fails
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 happens to your pension if your former employer goes bankrupt? Does it simply vanish? In this article, our financial planners […]
Posted in Pensions
How to navigate inheritance tax in 2022
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. Liz Truss, one of the two remaining Conservative leadership (and Prime Minister) candidates, has promised a review of inheritance tax (IHT) […]
Posted in Financial Planning
Are high interest rates and inflation here to stay?
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. Did you know that, since the 1970s, low interest rates (under 5%) have not been the norm? Many have enjoyed and […]
Posted in Financial Planning
Are dividends the answer to rising inflation?
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. Are dividends a good hedge against inflation? With the CPI (Consumer Price Index) standing at 9% in April 2022, many investors […]
Posted in Investments
How the UK tax landscape has changed
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. The UK now has its highest tax burden in 70 years. With inflation also now at 9%, putting further financial pressure […]
Posted in Financial Planning
What is the state of Buy To Let in 2022?
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. Since 2020, it has arguably become harder to be a landlord. First, there was the Eviction Ban which, although protecting tenants […]
Posted in Investments
Interest rates: new changes & how they affect 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. The UK’s base rate now stands at 1.25%; the 5th rise by the Bank of England (BoE) since late 2021. This […]
Posted in Financial Planning