Saving for retirement is one of our greatest financial priorities and it may be the case you’d prefer to have more control over your pension pot. For appropriate investors, one option to consider is a Self-Invested Personal Pension (SIPP) Please note that a SIPP is a type of Personal Pension, and the rules as to…
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The figures for people qualifying for the full new State Pension following its introduction in April 2016 reveal almost two in five pensioners (365,290 people, or 38% of claimants) receive less than £150 a week, while a further 314,290 people (33% of claimants) receive more than £150 per week [1]. The new State Pension is…
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Welcome to the latest issue of our TIPS Financial Magazine. At the time of writing, the UK Government said it is ‘ready and willing’ to do a deal to leave the EU if new terms are negotiated with Brussels. But the new Prime Minister, Boris Johnson, has vowed the UK will leave the EU ‘come…
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If you want to plan for your financial future, it helps to understand investment risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Risk is the possibility of losing some or all…
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Welcome to our Guide to Life Insurance Protection. It’s not easy to think about how you would secure your family’s future if you were no longer around. Understandably, we would rather not think of the time when we’re no longer around. But it’s important to protect the things that really matter – like our loved…
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Do you have a five year plan for a comfortable retirement? Retiring is a huge life event and the very concept of retirement is changing with phased retirement becoming more common. The way we access our pension is now a lot more flexible, and it’s no secret that in the UK we’re living longer than…
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No two people have identical financial circumstances, which is why it’s essential you have your own total wealth solution that meets your individual needs and goals. Planning for financial success can be complicated in today’s world. A broad knowledge of everything from complex retirement and investment products to risk management strategies and tax laws is…
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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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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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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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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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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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