Get yourself on the right financial path Financial freedom means having enough money to afford the lifestyle you want for yourself and your family for the rest of your life, without fear of running out or being employed or dependant on others. These 15 top tips can help you on […]
Category Archives: Personal Finance
Blog, Pensions, Personal Finance, Retirement, Tax, Wealth
Did you reach State Pension age between 6/4/2010 and 5/4/2015?
29
Apr
Apr
Did you reach State Pension age between 6/4/2010 and 5/4/2015? Here is some help on how you can top up any missing years… The DWP has published updated guidance for those who reached State Pension age between 6 April 2010 and 5 April 2015 on how they can top up […]
Blog, Events, Financial Planning, Investments, Later Life, Pensions, Personal Finance, Retirement, Wealth
Happy Financial Independence Day
26
Apr
Apr
On 25 April the world celebrated Financial Independence Day. So, what is Financial Independence? Well, according to Wiki it’s “the status of having enough income to pay one’s living expenses for the rest of one’s life without having to be employed or dependent on others.” Sound good? But how many of us actually know how […]
Blog, Budget, Financial Planning, Investments, Personal Finance, Wealth
What is Financial Independence Day?
25
Mar
Mar
There is a “movement” doing the rounds at the moment, FIRE, “Financial Independence Retire Early”. It’s based on the bestseller “Playing with FIRE” by Scott Rieckens. Scott was so fed up with his life he decided to quit the rat race, cut his expenses in half so that he could […]
Blog, Budget, Family, Financial Planning, Investments, Later Life, Pensions, Personal Finance, Retirement, Wealth
When can I retire? Do you know your “magic number”?
09
Mar
Mar
I was having coffee with friends, in those pre-lockdown halcyon days, and one asked “when do you think you will retire?” My answer is always the same “when my pension and investments reach the magic number!” Obviously my magic number is personal! But I 100% know what it is and […]
Blog, Business, Financial Planning, Investments, Personal Finance, Wealth
Business owner anxious about finances?
03
Mar
Mar
What a time to be in business! Fine if you are Amazon founder Jeff Bezos or own a takeaway coffee van! We recognise however that some business owners are having a very stressful time and that’s why we are working closely with our Wealth Management team to help clients see […]
Blog, Budget, Financial Planning, Investments, Later Life, Pensions, Personal Finance, Property, Wealth
Who wants to be a millionaire? Who needs to be a millionaire?
25
Feb
Feb
Think back to the 80’s (if you can!) we had Wall Street, Harry Enfield’s Loadsamoney, Miami Vice, regular news items on city traders making a fortune. At that time being a millionaire was out of reach for most people. Maybe a bit distasteful even. Since then, due to the success […]
Blog, Financial Planning, Investments, Later Life, Pensions, Personal Finance, Retirement, Wealth
Financial security – what price peace of mind?
02
Feb
Feb
In a recent global study* the question “What do you value in the relationship you have with your financial adviser?” The results were: Given what we are going through at the moment you might say that this is pretty obvious. However these results were similar pre-pandemic. So, how do you […]
29
Jan
Jan
Everyday it seems I’m getting queries from clients asking whether they can buy individual shares through the investment accounts that we manage. These queries are likely to be generated as a result of the sizeable gains seen in some stock prices since last March after the pandemic effects took […]
21
Dec
Dec
NHS Pension Members – Don’t forget to declare excesses from your 19/20 pension savings on your January Self Assessment return. If you have exceeded your Annual Allowance for 19/20 and you don’t have sufficient unused annual allowance to carry forward to cover the excess, you must declare this on your […]