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Independent Financial Advisers
How to effectively protect your finances from criminals
Identity theft is a significant problem in the UK. Indeed, Infosecurity Magazine reports that 4.3% of the population – that’s 1.9 million Brits – had their identity stolen and used by fraudsters to open a financial account in 2023. Your private information is incredibly powerful. You can use it to take out loans and credit […]
78% of retirees could be missing out on investment returns by accessing their pension early
According to research from Scottish Widows, more than three-quarters of retirees could be missing out on potential investment returns by accessing their pension before their retirement date. Understanding the implications of withdrawing money from your pension could help you to make a decision that’s right for you. Read on to find out some of the […]
How “time travelling” as part of your financial plan could help you secure your goals
Imagine you could time travel to understand how your financial decisions today might affect your lifestyle in 10 or 20 years. You may be in a better position to turn your goals into a reality. Read on to find out how working with a financial planner could give you a glimpse into the future. Time […]
The value of financial planning: How it could help you achieve your aspirations
Often one of the biggest benefits of a bespoke financial plan is that it allows you to devise a blueprint to follow, with your goals placed at the centre. It’s a strategy that could help you focus on what you want to achieve in life and make working with a professional even more valuable to […]
Investment market update: May 2024
On the back of data showing some countries have exited recessions at the end of the first quarter of 2024 and inflation falling, several market indexes reached record highs in May. Read on to find out what else may have affected the markets and your investment portfolio. UK Dominating headlines towards the end of May […]
5 breathtaking coastal walks you can take this summer in the UK
The UK boasts some of the most spectacular coastlines in the world. Trails across the country can take you through sleepy fishing villages, tumbling clifftops, and unique natural formations that are the stuff of legends. Though your adventure may depend upon the whim of the infamously temperamental British climate, there are stretches of the coast […]
Explained: When do you need to declare the interest earned on savings?
Rising interest rates have been fantastic news for savers. But it might have left you wondering if you need to pay tax on the interest you’ve earned, and how to pay it if you are liable. According to online bank Marcus, 71% of people were not aware that the interest on savings could be taxed. […]
3 practical ways you could reduce your tax bill in retirement
The number of retirees who could face an Income Tax bill is expected to rise. If your total income could exceed tax thresholds, there might be some steps you can take to reduce your tax bill. The Personal Allowance is the amount of income you can receive before you usually need to pay Income Tax […]
3 valuable pension lessons workers can learn from retirees’ regrets
2 in 5 UK retirees have retirement regrets, according to a Canada Life survey. If you’re saving towards your future, you could learn some valuable pension lessons and avoid repeating the same mistakes. Securing the retirement you want often means thinking about this milestone many years before you celebrate it. One of the key challenges […]
The value of financial planning: The intangible benefits that could boost your wellbeing
Consider the benefits of financial planning. If the first advantage that comes to mind is the opportunity to grow your wealth, you might be overlooking some of the intangible benefits that could improve your wellbeing. Last month, you read about the potential financial benefits of working with a financial planner and how it could help […]