Will the tax man inherit your Assets?

You have worked hard all your life, built up substantial assets, and simply want to pass these down to your children and grandchildren to give them a helping hand in life once you have gone.  It is a common goal we hear when speaking with clients. However, as with many things in life, it is

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Financial Planning in your 50’s

If you are still working in your 50’s then this is the perfect time to make sure your retirement savings are on track to provide you with your desired lifestyle.  It is never too late to consider financial planning and being over 50 comes with some significant advantages, namely the benefit of having a better

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What’s the difference between an Independent Adviser and a Restricted Adviser?

For a number of years, all financial advisers have had to disclose whether they are independent or not, but what exactly does this mean?   Whether your adviser offers independent or restricted advice can have a big impact on the type and range of advice they can offer. Independent advice is based on whole of

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Why investing your money is more profitable than leaving it in the bank…

Holding cash on deposit is a necessary part of the financial planning process.  There are always unexpected twists and turns that life throws at us, so the general rule of thumb is to have two to three months’ living expenses saved in an instant access account, just in case. However, cash is definitely not king

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We are hiring…

We are delighted to say that, due to our continued expansion, we are looking to recruit four additional team members – two Client Managers (what other people call Paraplanners) and two Trainee Client Managers to join our dynamic and forward-thinking team. We have ambitious plans, and these can only be achieved by recruiting the right

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Resurgence of Bitcoin

Bitcoin has proven to be a phenomenon of the modern financial system that will just not go away.  Despite a rollercoaster ride for speculators and holders of the alternative currency, interest in Bitcoin and other cryptocurrencies is again reaching record highs.    Bitcoin, along with a range of other cryptocurrencies, have emerged in the last few years with proponents proclaiming

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What do I need my business to be worth?

Business owners spend years, sometimes decades, building their business.  Yet when it comes to selling their business, many often do it without any real thought about what they really need and the effect upon them and their family. The day-to-day pressures of running a business often means that personal financial planning drops to the bottom

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ESG and Greenwashing

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

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How much do I need for a comfortable retirement?

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,

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Does your family talk about money?

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

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