Protecting wealth

A total wealth solution has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you…

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Create a total wealth solution

We’ve put together some steps to help you create a total wealth solution. If you do not know where you are going on your journey, how will you know when you arrive? This is very true about the importance of having financial goals. You need to set financial goals to help you make wise financial…

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Visualise your future

Financial well-being ultimately comes from achieving financial security and independence. When you’ve reached a state of financial well-being, you’ve got to a point where you have a sufficient level of income for your lifestyle needs, enough capital to give you peace of mind, and the knowledge that whatever happens you, your family and business are…

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Tax planning tips

We’ve put together a list of the ‘top 5’ tax planning tips to consider before 5 April 2020, the end of the 2019/20 tax year. Making sure you use up any allowances you are entitled to is the first step to reducing the amount of tax you may be liable to pay. The rates given…

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Protecting what matters

If something should happen to you, the last thing you want is for you or your family to be worrying about money. One of the most important aspects of your financial planning should be to ensure that you’ve made provision for your family and any dependants in the event of a serious illness, injury or…

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Turning pensions into money you can use

Today, you’ve got a number of options and permutations available when it comes to turning pensions into money you can use. But lots of choice can also mean increased confusion. Your retirement might seem like a far off prospect, but knowing how you can access your pension pot can help you understand how best to…

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Retirement Longevity

If you are in your 50s or 60s, your thoughts are probably turning towards retirement. When should you retire? How much money do you need? Your destiny is in your own hands. In trying to answer these questions, you face a problem. Because of longevity trends, we are on average living longer. With longevity increasing,…

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We’re shortlisted in the MoneyAge Awards

We’re delighted to announce that we’ve once again been shortlisted in the MoneyAge Awards 2019 for the ‘Financial Adviser of the Year (medium to large)’ category. No in their 4th year, the MoneyAge Awards celebrate the excellence, innovation and professionalism in the ever expanding and innovative personal finance space. It honours the financial specialists who…

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Divorced Britons regret splitting after new financial pressures hit home

The pain of regret after divorce can be long-lasting, especially when you consider the life-long impact divorce has on your children, your finances and your emotions. All the problems, the arguing, the unhappiness, it is all over now that the divorce is final. Right? Not always. Thousands of people who go through a divorce or…

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Strategies to consider when volatility strikes

Volatility fluctuates based on where we are in the economic cycle, but it is a normal feature of markets that investors should expect. When stock markets start correcting, daily injections of bad news may sounds as though it will never end. This can spark anxiety, fuel uncertainty and trigger radical decisions in even the most…

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Financial complexities of passing on wealth

Passing on wealth is a sensitive subject, not just because of the financial complexities of it all, but also the emotion and family politics involved. Having built up their business or wealth, many families often wish to enjoy it whilst also ensuring that it is passed on to the next generation in their families. Passing…

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Goldilocks economy

Very low or very high inflation is damaging to the economy. The aim is usually to try and keep the Consumer Prices Index (CPI) at 2% in order to maintain a ‘Goldilocks Economy’ – not too hot, not too cold. Over time, inflation can reduce the value of your savings because prices typically go up…

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