Exploring the Benefits of Saving Regularly

As an investor, sometimes it’s hard to cut through the noise of bygone or upcoming political and economic events; we’ve certainly had our fair share lately. There are always investment opportunities, even in times of uncertainty The benefits of saving regularly make a compelling long-term investment story. Not only does regular investment suit some people’s […]

A few personal finance facts we all need to know

Knowing your numbers can do wonders for your money, helping you plan and manage your finances effectively. Your Credit score If you’re thinking about getting your first mortgage or remortgaging, then it’s important to know your credit score. If it’s not as good as it could be, take steps to improve it before you make […]

Pension Freedoms – Don’t lose out!

In the first major study to be conducted since the introduction of the new pension rules in 2015, the Financial Conduct Authority (FCA) reviewed the actions taken by pensioners who chose not to receive advice when accessing their pensions pots. They flagged up several areas of concern. The FCA found that many people simply took […]

Why the self-employed need a pension nudge

Working for yourself has never been so popular. According to figures from the Office for National Statistics, there are around 4.8 million self-employed workers in the UK. Whilst many of this number are young people seizing the opportunity to go it alone, some are in their 50s, 60s and even 70s. Being your own boss […]

Pension Changes

Thanks to the changes in pension legislation that came into effect in April 2015, those who have defined contribution pension plans have more choice available to them than ever before. When they reach 55 they have a variety of options; they can leave their pension plan untouched, purchase an annuity, take an adjustable income (flexi […]

Why it pays to keep an eye on your portfolio

Whether you are a newcomer or a seasoned investor, one of the keys to successful investing is having an annual portfolio review. It’s essential if you want to ensure that the stocks and shares you hold are still in line with your investment objectives. Failing to keep an eye on your investments might mean that […]

How your income needs change over time

Will your need for income change during your retirement years, and if so, by how much? This can be a difficult question to answer and the response is likely to differ from person to person. It will depend on factors that are personal to you such as the age at which you retire and your […]

Investment Risk – where are you on the spectrum?

All investing involves risk in the pursuit of potential gains. However, our attitude to risk and the amount of risk we’re happy to take can vary markedly from person to person. It can also change with age. An important part of working with your financial adviser will be to establish how much risk you’re comfortable […]

Change your financial habits in 2017

CHECK YOUR MORTGAGE Often a family’s biggest monthly outgoing, it makes sense to check that you’ve got the best, most cost-effective deal for your circumstances. MAKE PENSION SAVINGS A PRIORITY You’ve probably heard this message many times before, but experts agree that the earlier you start savings in a pension, the more you can put […]

How to select your Independent Financial Adviser

Finding the right independent financial adviser for you is important. You don’t want to engage an adviser only to later feel as though you want to make a change. Getting the right person from the start will save you both emotionally and financially. There are two areas of ‘fit’ that are essential for having a […]

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