Services provider Carillion has found itself joining the likes of Toys ‘R’ Us and BHS, in becoming the latest company to self-destruct. Leaving a devastating effect on defined benefit (DB) pension savers. The Carillion disaster happened just as the Pension Protection Fund (PPF) reported that roughly two-thirds of the DB pension schemes in operation in…
Navigating the complexities of personal finance requires more than just saving for a rainy day; it demands a comprehensive understanding and application of financial planning techniques. At Foresight Wealth Strategists, we’re dedicated to empowering individuals through education and strategic planning, ensuring your financial goals aren’t just dreams but achievable realities. This article explores essential financial…
The Chancellor delivered the last Spring budget of this on 6th March. In his speech, Jeremy Hunt said he was setting out to reward hardworking families with National Insurance tax cuts – leaving the average worker over £900 better off. However, it remains to be seen as to whether the tax cuts have moved Tory sentiment in…
Pension Credit, which averages over £3,900 a year, is there to lend a hand with day-to-day expenses for those who have reached state pension age and are on a low income. About 1.4m people are already receiving Pension Credit, but an estimated 880,000 eligible households are yet to claim it. In the Spring Budget,…
Up to £25K pa, depending on experience. Foresight Wealth Strategists has an exciting opportunity for a Receptionist/Admin person to join our growing team. As one of the leading financial planning practices in the North-West, we are looking for someone who will be able to provide our clients with an unrivalled front of house customer experience. Our clients are…
Children are expensive! The cost of raising a child from birth to their 18th birthday currently stands at nearly £250,000. Their wants and needs are satisfied more inexpensively when young – although childcare is becoming an ever-increasing burden. But when they get to their late teens and early twenties those ‘must-haves’ – the first car,…
Foresight has been using Zen Internet for our internet connection for over 20 years. I have always been a fan of Zen, based in Rochdale, which are the only internet provider that has remained in business since 1995. They offer an amazing product, excellent and knowledgeable service, and at a competitive price. Not the cheapest,…
After arriving at the office, I was warmly greeted by Clair Davis, Receptionist, before being taken on a quick tour, followed by a briefing on how to use the various facilities and a health and safety induction. Later that day, I met with one of the Client Managers, Ben Holland, who told me about his…
In August 2023 we welcomed Theo into the offices to do a week of work experience with us. He spent the week shadowing various people around the business and learning how day-to-day life is in a busy office. Let’s see what he got up to while he was with us… Embarking on my week of…
Using Individual Savings Accounts (ISA) has always been a very tax-efficient way of investing, with no liability to either income tax, or Capital Gains Tax on the invested funds. These days ISAs offer the opportunity for every individual to invest up to £20,000 per annum. Unlike pension allowances, ISA allowances cannot be reclaimed from previous…
