Retirement is often seen as the golden phase of life, a period earmarked for relaxation and pursuing personal interests. However, a recent study has pointed towards an increasing trend of ‘retirement anxiety’, especially among individuals aged over 40. This anxiety stems from both financial and emotional concerns, with rising living costs adding to the financial…
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We are thrilled to announce that 5 of our esteemed financial advisers, have secured the prestigious title of being a top-rated adviser on VouchedFor for 2024! Neil Aspinall, based in Inverurie Neil Miller, based in Falkirk Andy Brown, based in Trowbridge James Larton, based in Lancaster Miles Finch, based in Bristol This recognition is a…
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The average cost of housing, food and energy bills has increased by nearly £500 per month as of September last year compared to August 2022, according to statistics regarding the cost of living in the country. This rise in living costs has forced many people to dip into their financial reserves. The survey showed that…
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Transferring wealth within a family is a delicate process that requires clear communication and effective planning. Otherwise, it could lead to a potentially large tax bill and bad feelings in the family. This narrative was depicted in the hit American HBO series ‘Succession’, which centred on the Roy family, the owners of global media and…
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All of our February financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation.…
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Retirement signifies a well-deserved achievement, a significant turning point in life. It should be a period of anticipation and joy, an opportunity to indulge in activities that bring happiness and contentment. Currently, retirement is marked by increased flexibility in accessing your pension savings. While this offers many choices, it also gives rise to numerous queries.…
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Understanding your financial situation is crucial to achieving both short-term and long-term objectives. With a detailed insight into your finances, you can maximise your assets and devise a robust plan for wealth accumulation and protection. As we enter 2024, let’s explore what to consider for the new year. UNDERSTANDING YOUR FINANCIAL STATUS Knowing where you…
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Welcome to the first issue for 2024. The tax landscape has witnessed considerable changes, making the situation more challenging for taxpayers and investors alike. As we near the end of the 2023/24 tax year on 5 April, every taxpayer should understand the importance of this date and consider their tax position. Don’t leave it to…
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I finish work for the holidays on Friday 15th December and will be returning on Monday 8th January. Please get in touch in the New Year if you require financial planning assistance for 2024. Instead of sending traditional client gifts this year, I have once again decided to make a donation to two local charities.…
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The mantra ‘Cash is king’ has echoed through the investment world for years. Cash forms the backbone of our society – it pays for our purchases, settles our debts and serves as a liquid asset in tough times. As long as money spins the globe, many will uphold cash as the reigning monarch. However, this…
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All of our December financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation.…
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You may have worked with several employers throughout your career, accumulating multiple pension plans. This can also apply if you’ve been self-employed or a contractor, resulting in personal pensions. While multiple pensions can be administratively challenging to manage, they could also be financially draining due to high fees or subpar investment performance. What is a…
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