Technology we use to benefit clients

In the past decade or so we have witnessed the use of technology vastly disrupt many industries from healthcare to Automotive. These industries embraced the change and as a result benefited from the many positives technology can bring. Most people are reluctant to change, however those which embrace it tend to thrive, whereas those that…

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Talking through your financial objectives

Knowing yourself, your needs and goals, and your appetite for risk is essential. A financial review is a great way to take a fresh look at your finances and plan for the journey ahead. More importantly it enables you to talk through your long-term financial objectives and discuss with us a way forward to deliver…

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Goal-Based Investment Strategy

Investing is a lifelong process and the sooner you start, the better. A lifestyle financial plan has no value unless it is properly implemented through an appropriate goal-based investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for between at least three to six…

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Why Inflation Matters

Understanding inflation is an important factor when it comes to investing and your financial success. If you don’t factor inflation in when deciding where to put your money – whether that’s savings accounts or investing – you could find your wealth shrinks over the years. As the post-pandemic recovery takes hold, prices of various goods…

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Investing for children and grandchildren

Many families want to give their children or grandchildren a head start for their future finances. As the costs of private education, university, getting on the property ladder and weddings continue their relentless upward march, investing for your children or grandchildren early is crucial. There’s a simple starting point after you’ve worked out what you…

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TIPS Financial Magazine Autumn Edition 2021

Welcome to our latest edition of TIPS magazine Autumn edition 2021. Inside this edition we look at how having a financial plan in place early on can make it easier to manage your money further down the line. It’s never too early to make a financial plan. The sooner you work out your goals and…

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Busting the myths about pensions

If you are approaching retirement age, it’s important to know your pension is going to finance your future plans and provide the lifestyle you want once you stop working. Pension legislation is extremely complex and it’s not realistic to expect everyone to understand it completely. But, since we all hope to retire one day, it…

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Retirement planning journey

When you’re starting out working in your 20s, you may not be thinking about retirement in 40 years’ time. The same goes for your 30s, 40s and even 50s. There is always something on the horizon you could be saving for besides your retirement. No matter how old you are, it’s always a good time…

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It’s not what you earn, it’s what you keep

When you’re planning your retirement income, there are multiple factors to consider: how much you can expect from the State Pension, the value of the pensions you have accumulated in your working life, your projected outgoings and your potential later life expenses. One more factor not to overlook is how much of your retirement income…

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Protecting family wealth

If you’ve worked hard throughout your lifetime to grow your wealth, you may hope it will help to safeguard the financial security of your loved ones after you’ve gone. But without careful planning in your lifetime, you could leave them with less than expected after the Inheritance Tax bill is paid. Proper planning can help…

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How to minimise a Capital Gains Tax bill

The rules around Capital Gains Tax (CGT) are complex and they differ depending on your financial situation. It’s a complicated tax and, as a result, some people may get confused about how much they should expect to pay. What is Capital Gains Tax? Capital Gains Tax is a tax payable on the profits (or ‘capital…

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Reappraisal of urban living

The coronavirus (COVID-19) pandemic has led to a reappraisal of urban living, with increasing numbers fleeing city confines in search of green space. Three million people in the UK aged over 50 (12%) [1] now plan to relocate in retirement, as a direct result of the pandemic. A year of lockdowns has motivated these over-50s…

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