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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
A Quick, Simple Guide To Annuities
To understand “annuities”, you first need to know that broadly speaking, there are two types of workplace pension. The first is a “defined benefit” (or “final salary”) pension, which gives you an annual income from your employer once you retire. The amount you get is usually based on factors such as how long […]
Posted in Blog
How To Sort Your Finances After A Divorce: 8 Tips
Divorce is almost never pleasant. People often feel that there’s enough emotional upheaval going on, without bringing money and finances into the picture. Yet bring them in, you must. Your financial position following a divorce is hugely important, as it will affect your lifestyle, income and expenditure for years to come. If you have […]
Posted in Financial Planning
Should You Pay Off Your Student Loan Early?
Higher education fees and student debt have both risen in the UK. Since most of us are taught that debt in general is bad, shouldn’t you pass off student debts early if you can? In this article, we’re going to look carefully at that question, and suggest you should not. This is […]
Posted in Financial Planning
5 Great Investment Types You’ll Want To Consider
Whether you’re new to investing or a seasoned veteran, it helps to review investment options which you might want to include in your portfolio. There are many different types, each with their distinct pros and cons. There are also different styles of investing. These can be more or less appropriate for you depending […]
Posted in Investments
Understanding Your Payslip: A Guide To Income Tax & National Insurance
Perhaps it’s your first job, or maybe you’ve got decades of employment experience behind you. It helps to know how pay works, and how it relates to tax, national insurance and contracts. For employed people, you usually get a payslip each month outlining your gross pay (before tax and deductions) and net pay […]
Posted in Financial Planning