The Pensions and Lifetime Savings Association (PLSA) has warned that the cost of retirement has risen substantially – seeing an increase in the cost of 4.9% since 2019. The latest PLSA report predicts an extra £40,000 is needed to fund a comfortable 20-year retirement. They break down their calculations into three tiers – minimum, moderate,
The bill for COVID is coming, make no mistake about it. Yet, in a clever game of political smoke and mirrors, Chancellor of the Exchequer Rishi Sunak served up some hope in the Budget, freezing personal and corporation tax bands rather than increasing tax rates as originally mooted. All seems to be well until you
As a Wealth Strategist, one of the things that you learn at a very early point is that it is not the amount of money you have that makes you happy, it’s what you do with it that gives the enjoyment. And, although the richest clients are not necessarily the happiest, it is also true
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
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
Behavioural finance is the study of how human behaviour, driven by emotions and sentiment as much as rational decision-making, affects how we act in relation to our investments and financial decisions. Whilst there is clearly underlying rationality to financial markets and how assets are priced, the human element must be considered as part of this
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