All of our June financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation…
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If you’ve been diligently saving into a pension throughout your working life, you should be entitled to feel confident about your retirement. But, unfortunately, the best savers sometimes find themselves inadvertently breaching their pension lifetime allowance (LTA) and being charged an additional tax that erodes their savings. If you’re a high-income earner or wealthy individual,…
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Responsible investment is a catch-all term to broadly describe funds that invest to make a positive change, either for the environment or for society. Within this umbrella term there are four broad investment approaches: ethical exclusion; responsible practice; sustainable solutions; and impact funds. Increasingly more pension savers are asking where their funds are invested. Many…
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A new tax year, means a new start for your finances. It can be a great time to create a roadmap for your future financial success. It’s always a good time to consider financial planning, but at the start of a new tax year, when you have a fresh set of annual allowances to take…
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Protecting your estate is ultimately about securing more of your wealth for your loved ones and planning for what will happen after your death to make the lives of your loved ones much easier. It’s not nice to think about, but it means that your loved ones can carry out your wishes and be protected…
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An increasing number of people have been forced into early retirement due to the economic impact of the coronavirus (COVID-19), with many worried about how they’ll make ends meet in the future. Because of the pandemic, we are currently in a challenging economic period. The global economy has taken over ten years to recover from…
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The government has confirmed that it plans to increase the minimum pension age at which benefits under registered pension schemes can generally be accessed, without a tax penalty, from age 55 to 57 commencing 6 April 2028. The Treasury is consulting on how best to apply its decision to increase the age when people can…
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Welcome to the Spring 2021 edition of our TIPS financial guidance magazine. As we enter another new phase in the coronavirus (COVID-19) pandemic, each UK nation has set out a roadmap out of lockdown, a positive sign that we can hopefully start to get back on track both financially and emotionally. It’s always a good…
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As we get older, many of us will need help looking after ourselves. With the United Kingdom’s population ageing, more people will be living with long-term care needs. Oscar Wilde once said; ‘The tragedy of old age is not that one is old, but that one is young’. But the good news of rising life…
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Are you protecting what matters most against the financial impact of a life-changing event? The coronavirus (COVID-19) outbreak has led to a tragic number of deaths. The pandemic has made many of us realise the importance of having life insurance as a fundamental part of a sound financial plan. It’s understandable that we would rather…
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Being unable to work can quickly turn our world upside down, as we’ve seen for thousands of people during the coronavirus (COVID-19) pandemic crisis. No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on…
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Adults expect their financial wellbeing to worsen throughout the course of 2021, whereas there is some optimism of improvements to other wellbeing indicators, such as mental, social and physical wellbeing, once the vaccination is successfully rolled out. Research tracking attitudes throughout the coronavirus (COVID-19) pandemic shows that adults are pessimistic about improvements to their financial…
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