Is inflation back?

By | 06.2018|Investment|

After two years when consumer prices in the UK barely rose, the annual rate of inflation has risen above the Bank Of England's (BOE) target of 2% in 2017. The combination of high inflation and limited wage growth - as well as uncertainty about the terms on which Britain will leave the European Union in [...]

What are your retirement dreams?

By | 06.2018|Pensions, Retirement Planning|

Retirement is a time for you to do the things you've always wanted. When considering your retirement income needs, you need to consider the types of events you would like to happen once you've retired that may impact your budget. Thinking about these early could help you when you're deciding the best way to take [...]

How to make the most of your retirement

By | 04.2018|Retirement Planning|

EVEN IF RETIREMENT ISN’T FAR AWAY, THERE ARE STEPS YOU COULD TAKE TO INCREASE YOUR EVENTUAL RETIREMENT INCOME. THIS APPLIES BOTH TO YOUR STATE PENSION ENTITLEMENT AS WELL AS TO ANY PERSONAL OR WORKPLACE PENSION POTS. We’ve provided some areas to consider that you may wish to discuss with us to help you to meet [...]

Unwritten goals are just wishes…

By | 02.2018|Financial advice|

If you do not know where you are going, how will you know when you get there? This is very true about financial goals. You need to set financial goals to help you make wise financial decisions, and also as a reward for your efforts. Goals should be clear, concise, detailed and written down. Unwritten goals are just wishes. In order to [...]

The Ups and Downs of Investing

By | 02.2018|Investment|

Investing is not just about what you know but also who you are. The key to successful investing isn’t predicting the future – it’s learning from the past and understanding the present. Investing offers potential to grow our money, reach our goals and live the life we want. Regardless of the market conditions at the moment, [...]

Planning for Long Term Care

By | 08.2017|Long Term Care Planning|

It’s a concern for many people how they will pay the cost of care either for themselves or for a loved one. The reality is that most people will be expected to pay something towards these costs. With the UK’s population ageing, more people will be living with long-term care needs. There are a number [...]

Brexit causes millions to change their retirement plans

By | 04.2017|Retirement Planning|

Retirement is undoubtedly a thought-provoking time anyway, but Britain’s exit from the EU appears to have added to the difficulties of retirement planning too, causing many with existing retirement plans to action changes. Findings from LV=* research has revealed that, of those approaching retirement, more than one in four (27%) have changed their retirement plans [...]

Your options for passing on your wealth

By | 04.2017|Estate Planning|

You’ve worked hard all of your life to get to where you are, and providing for those you care about is important to you. However, just owning your own home and having sufficient capital to provide a reasonable income during your retirement may leave your estate with a sizeable IHT liability. If you want to [...]

The pros and cons of the two most popular ISAs

By | 03.2017|Savings|

There are three types of ISAs available for your savings and investments. You can open a Cash ISA, a Stocks & Shares ISA and an Innovative Finance ISA (launched on 6 April 2016). Each of these ISAs provide a tax-efficient way to save whether you decide to invest a lump sum or top up your [...]

Are you fit for retirement?

By | 09.2016|Retirement Planning|

Funding a comfortable retirement will be the biggest financial priority for many people, yet some people spend more time planning their holiday than their own retirement – perhaps because planning for retirement seems too complicated to think about? We know that we want an active, comfortable retirement but often don’t know where to start the [...]