Money advice to pass on to your kids in 2019

We all learn about money from an early age, so it’s interesting to think about what we were taught when we were young. What rules have stood you in good stead and which ones would you pass on to future generations? Here are some thoughts. SET YOURSELF FINANCIAL GOALS At every stage of life, you’ll … Continue reading “Money advice to pass on to your kids in 2019”

If you’re self-employed, make 2019 the year you sort out your pension

Being your own boss has risen in popularity over the last few years. There are now around 4.8m self-employed workers in the UK1, representing around 15% of today’s workforce. Whilst being your own boss comes with lots of benefits, it does mean that you have to be responsible for your own pension arrangements and can’t … Continue reading “If you’re self-employed, make 2019 the year you sort out your pension”

Does your money need a New Year workout?

We can all be guilty of letting our finances go, especially over the Christmas season. So now is a good time to take a long look at the state of your wealth and review the plans you have in place for the future. Regard us as your personal trainer, here to help you get your … Continue reading “Does your money need a New Year workout?”

Money & Wealth Magazine – Autumn 2018

Inside this issue: Learning to be a financially-savvy family. Protection – awareness is growing. Keeping your finger on the pulse of the global economy. Don’t bury your head in the sand. Research shows women are better savers than men. How to plan for your retirement when you reach 50. Pension scams losses jump 71%. Majority … Continue reading “Money & Wealth Magazine – Autumn 2018”

How to avoid running out of pension savings

Are you spending your pension too fast? Brits aged 55 and over may be at risk of spending their pension pots too soon, a new government survey has warned. The latest report1 by Pension Wise in particular highlights the difference in spending between those who have sought their guidance and those who haven’t. In the … Continue reading “How to avoid running out of pension savings”

Don’t underestimate the value of insurance

Insurance policies are designed to provide financial safeguards and valuable peace of mind. If you’re a homeowner then it makes sense to have plans in place that protect you, your family and your home. LIFE INSURANCE TAILORED TO YOUR NEEDS There are various plans designed to protect you and your family: Life policies – these … Continue reading “Don’t underestimate the value of insurance”

Preparation is key to stress free home buying

A recent industry survey1 showed that 41% of people feel stressed by the mortgage process, taking the fun out of looking for a new home.  Although applying for a mortgage can involve alot  of paperwork, and the new affordability rules introduced by the industry regulator in 2014  mean borrowers face many more detailed questions before … Continue reading “Preparation is key to stress free home buying”

Death in Service vs life insurance: which is better?

Your employer may offer you a benefit known as ‘death in service’, which would pay out to your loved ones if you were to die while employed there. But how does this differ from ordinary life insurance – and is it a substitute? Employee benefits can be a big factor in choosing which company to … Continue reading “Death in Service vs life insurance: which is better?”

Looking for a mortgage in later life

With people getting on to the property ladder at all stages in life, a growing number are looking for mortgage finance in their 50s and beyond.  This has created demand for greater flexibility, and lenders are now beginning to address the needs of this age group. THE OLDER BORROWER Following the Mortgage Market Review in … Continue reading “Looking for a mortgage in later life”