It is vastly misunderstood what an Independent Financial Adviser does. People are always surprised when I say the vast majority of my job is being a financial therapist to people. Helping people understand why they have made those money decisions in the past and how that might impact their future.
Read morePlan for your financial future using cashflow modelling
As Independent Financial Advisers, some of the most frequently asked questions we are asked include:
“When can I afford to retire?”
“Am I saving enough?”
“When will my money run out..?”
The Financial Journey of Life
From birth through to mortality, the journey of life will throw you challenges to deal with – the majority being exciting challenges, but some sadly not so.
Here we detail some of the many life events and areas where you may benefit from having an independent financial adviser by your side.
Read moreThe Importance Of Investing In A Personal Pension
Planning for retirement might seem like a distant concern, but the truth is, the earlier you start, the better off you’ll be.
Read moreGeneration Rent – What To Expect in 2024
There is an obvious need for more affordable housing in order to assist young adults, who have been priced out of the housing market, in getting onto the property ladder.
Also known as ‘Generation Rent’, many young adults aged 18-40 are unable to purchase a house as a result of paying a high percentage of their income on rent.
So, what can this demographic expect in 2024?
Read moreMore Money In Your Pocket
Watching the Autumn budget in November, the Chancellor kept saying about putting more money into our pockets by lowering national insurance to help the economy grow…
Price is What You Pay and Value is What You Get
When it comes to investing, we often forget that completely! We get obsessed with price. But it isn’t the whole story! Let’s look at the last 23 years:
Read moreHMRC Inheritance Tax Receipts Soar – what steps can you consider?
HMRC collected £2.6bn from inheritance tax (IHT) in the 13 weeks between April and July 2023. This is higher than in the same period a year earlier
Read moreShould You Stay in the Investment Market? Exploring the Pros and Cons
Investing in the stock market can be a smart way to grow your wealth over the long term. However, it’s also important to understand the risks and potential downsides of investing.
Below, we’ll explore the advantages and disadvantages of staying in the investment market, with a particular focus on pension funds, stocks and shares ISAs, and timing the market.
Read moreBuying Your First Home
When preparing to buy your first home, saving for a deposit can be a difficult process.
As house prices, inflation, cost of living and mortgage rates increase, it can mean that some mortgage lenders may require larger deposits of the property value. This can be challenging trying to save a large sum of money and for some within a limited time.
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