Author: Phil
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 […]
Posted in Pensions
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, […]
Posted in Investments
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: […]
Posted in Financial Planning
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 […]
Posted in Financial Planning
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 […]
Posted in Pensions
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 […]
Posted in Financial Planning
How do investment platforms work?
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. Where do you go if you want to invest in stocks, funds and other assets (e.g. commodities or […]
Posted in Investments
Should I save or invest on my child’s behalf?
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 decision about whether to set money aside on your child’s behalf is a deeply personal one. Famous investor Warren Buffett, […]
Posted in Investments
How to link your pension & IHT plan
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. Typically, people start thinking about their pension years before they consider their inheritance tax (IHT) plan. Whilst this is better than […]
Posted in Pensions
2021 – should you remortgage before rates rise?
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. Mortgage rates are at an historic low in 2021. The Bank of England (BoE) base rate currently sits at 0.10% – […]
Posted in Financial Planning