Over the past few years, there has been a growing demand from investors who not only want investment growth but also want to see the companies and funds they invest in providing benefit to the environment and communities. Known as ESG – Environmental, Social, and corporate Governance – the market is awash with claims of ESG friendly investments. In fact, the sector has been one of the fastest-growing, and this trend has accelerated dramatically during…
View details
On average, in retirement, most households spend around £2,110 per month. Many people overestimate how much they will need in retirement by assuming they will spend the same as they currently earn. This is because they fail to appreciate the reduction in expenses that comes as you get older. The mortgage is often nearly paid,…
View details
The average age for a UK adult to become a parent is 29.8 years old. By this point, most people should have at least a basic understanding of how to look after their finances. They should be contributing to a pension. Some will be diligently saving into ISAs in the hope of becoming an “ISA…
View details
Finances play a critical role in life throughout. Many decisions are dictated by the state of our finances, so having good financial planning is one of the most effective tools in achieving the life that you truly want. As we go through life our lifestyles and priorities shift and so do our financial planning requirements. …
View details
Working from home and keeping the team culture alive can be difficult during these COVID-19 times. But, we have worked hard to make sure we continue in the same way we did in the office. Part of this has been to keep up the element of team fun and we have found Zoom fantastic for…
View details
By the time you get to your 30’s, you are probably starting to realise where your career is going, and how things are going to pan out from a financial point of view. It’s a time where your parent’s words that you would never have as much money as you had in your 20’s suddenly has…
View details
The US election was, as many predicted, a hard-fought election. Although the coronavirus pandemic was a key issue for both sides, the election was characterised by the overt populist support that Trump enjoyed and played out through his large rallies, and the more mainstream support for Biden. Although the result of the election has not been formally announced and President Trump has not yet formally conceded, we now expect…
View details
When times are good and confidence is high, pretty much anybody should be able to generate reasonable returns. However, in turbulent times such as these, having the support of a trusted adviser who you can rely upon to help, advise and guide you can really start to pay dividends. We see many people who have…
View details
Financial planning is all about setting plans and expectations. Imagine you’re starting a business. A business plan is essential in order to acquire funding, renting office space, and generally getting started. Most of us learned this by the time we were sat in GCSE Business Studies and perhaps we have even had experience writing one. However, so many people don’t follow this for their…
View details
Wills. Something that we put to the back of our minds. Something to sort out later on when you are old and grey. As it has been said, the only certainties in life are death and taxes – and a certain Mr. Trump has shown that even taxes may be optional. So, we get back…
View details