New year’s tax saving resolutions

Make full use of your relevant tax planning opportunities. With the tax year-end (5 April) on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. We have provided some key tax and financial planning tips to consider prior to the end of the tax…

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February Fact Sheets

All of our February 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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Time to bring your pensions together?

3.6 million Britons have lost track of their pension savings. The more old pensions you have, the easier it is to end up losing one. Tracing pensions from years ago can be a hassle. Over 3.6 million Britons admit they have no idea how many pensions they have and risk paying more in fees than…

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Why cash isn’t king when inflation reigns

Is now the time to look for long-term alternatives? The relentless effect of inflation over time can be detrimental for those keeping large sums in cash and attracting interest at a low or even zero rate. The combination of rising inflation and low interest rates make holding cash unappealing. Many people underestimate the damaging effect…

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Improve your financial life

Setting a financial New Year’s resolution you’ll actually keep. Heading into the New Year, it’s the perfect time to take stock of your budget, liabilities and investments – and check them against your financial goals. The New Year brings an opportunity to reflect on the past year and to set new goals for the year…

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A guide to Self-Invested Personal Pension Schemes

Welcome to our Guide to Self- Invested Personal Pension Schemes. Saving for your retirement is one of the longest and biggest financial commitments you will ever make. Imagine you are retiring today. Have you thought about how you are going to financially support yourself, and potentially your family too, with your current pension savings? If…

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Create a better world to live and retire in

Pension investments to harness a more sustainable planet Few people are aware of what their workplace pension invests in, let alone how their pension provider incorporates Environmental, Social and Governance (ESG) matter into the process. Almost two-thirds (64%) of UK pension holders say that they didn’t know their pension could be invested in ways to…

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Get ready to beat the ISA deadline

Time to give your financial future a boost? Savers and investors have less than three months to use the £20,000 they can put into their tax-efficient Individual Savings Account (ISA) before the end of the financial year on 5th April. The current tax year started on 6th April 2021 and ends on 5th April 2022.…

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A guide to your State Pension

What will I receive from the state in my retirement? The State Pension is a vital source of income for millions of retired people across Britain. However, the system can be complex and it’s important that you know how it works. If you’re looking to maximise your income in retirement, a good place to start…

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TIPS Financial Magazine Jan/Feb Edition 2022

Welcome to our January/February 2022 TIPS magazine. Inside, we look at New Year’s tax saving resolutions to make sure you are fully utilising your relevant tax planning opportunities. With the tax year end (5 April) on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and…

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Planning for an early retirement

What are the financial consequences to stopping work in your 50s? Early retirement may be the ultimate dream for some, but the coronavirus (COVID-19) pandemic made it the only option for many. Figures from the Office for National Statistics show that over-50s had the highest redundancy rate between December 2020 and February 2021. Retiring early…

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How can I protect my money from inflation?

‘How can I protect my money from inflation?’ is a question that many people may be asking themselves right now. In the current economic climate, rising inflation is becoming a concern for people with savings and investments. The effect means you’re potentially earning less money due to your hard-earned cash becoming worth less as time…

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