Maximising your investments in your 50s

As you enter your 50s, retirement is no longer a distant dream but a rapidly approaching reality. Ensuring that your investments work diligently to secure the lifestyle you envision for your golden years is crucial. By optimising your financial strategy now, you can confidently retire according to your personal goals and aspirations. Defining your retirement…

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August 2023 financial guidance factsheets

All of our August 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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Decade by decade guide to retirement planning

Welcome to our Decade-by-Decade Guide to Retirement Planning. Planning for retirement is essential to ensure you have the financial security to enjoy your golden years. As retirement can be a long way off, it’s essential to start saving for retirement as early as possible. Retirement planning can seem overwhelming, especially when you don’t know where…

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Bonds vs Equities

Welcome to our ‘Guide to Bonds vs Equities’. UK investors seeking income often face the challenge of deciding between bonds and equities for their investment portfolios. Each asset class has unique benefits and risks, making it crucial to understand their differences and evaluate risk tolerance, investment objectives and time horizon. Equities and bonds exhibit lower…

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Truly Independent makes shortlist for MoneyAge award

The MoneyAge Awards are back for their ninth year, shining a spotlight on the outstanding achievements and progress in the personal finance industry. This year, Truly Independent are delighted to have been shortlisted for the prestigious “Firm of the Year” award. As the sector continues to evolve and grow, the MoneyAge Awards provide a platform…

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10 reasons to get your tax return filed now

British workers overpay £8.2 billion in tax due to wrong codes. According to new research, more than two-fifths (43%) of UK adults who have checked their tax code have found they are on the wrong one. While a fifth (20%) of those who were on the wrong tax code were underpaying, almost three-quarters (71%) were…

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TIPS Financial Magazine July/August 2023 Edition

Welcome to our July/August 2023 edition. In this issue, a comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it. Although retirement may appear distant at the moment, there’s much to consider. Let us assist you in navigating this crucial life milestone. By planning ahead and making smart…

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Time to give annuities another chance?

Nearly one million pre-retirees consider annuities. Pre-retirees, aged over 55 and still in work, are considering annuities for the first time in preparation for their retirement, according to new research. Nearly one million (990,000) people fall under this category. Of these, 16% are thinking of the product due to improved rates against the backdrop of…

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Principles of growing your money

Investing can be an intimidating and complex topic, but it doesn’t have to be with professional financial advice. Understanding the basic truths of investing will help you make better decisions, regardless of how much money you may or may not have. By understanding these principles, you’ll be one step closer to achieving your long-term goals.…

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Think of life insurance like a safety net

Make sure your dependents have the money they need if you were no longer around. When it comes to ensuring that your family is taken care of in the event of your premature death, life insurance is invaluable. It’s important to recognise how life insurance can help protect your financial interests and those of your…

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June 2023 financial guidance factsheets

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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Giving while living

What will your legacy look like? April brought a host of changes to the UK’s tax regime, with some thresholds for taxes such as additional rate Income Tax being lowered while others, such as Corporation Tax, are increased. However, the Inheritance Tax (IHT) nil-rate band has remained stagnant at £325,000 since 2009, despite the meteoric…

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