Today’s the day for advice

On the first working Monday of the New Year, more people search for a financial adviser than on any other day. Will you be among them? Whether you’re saving, buying a home or drawing a pension, here’s how independent advice can give you the best possible start to 2017. Advice Day isn’t one of those … Continue reading “Today’s the day for advice”

Insulate your money this winter

Did you know that we lose most of our savings through our heads? That’s right – because we don’t think about how much unnecessary tax we’re paying. Here are some ways to make sure your money is wrapped up tight, to keep out those (over) draughts. If your home loses heat, you lose money. We’ve … Continue reading “Insulate your money this winter”

The hidden message in the Autumn Statement

The Autumn Statement from Philip Hammond set out the Treasury’s plans to prepare the UK economy for the challenges of Brexit. We go through the Chancellor’s key announcements to tease out the underlying message he sent to workers, savers and pensioners. It seems like autumn is the time for JAM.  That’s JAM as in ‘just … Continue reading “The hidden message in the Autumn Statement”

Spreadsheet Phil keeps rabbits in the hat

In his first and last Autumn Statement, ‘Spreadsheet Phil’ lived up to his reputation, avoiding any gimmicks, or Trump-esque spending plans, but nevertheless found spending equivalent to 0.4% of GDP, focused on a series of targeted measures designed to boost and rebalance the UK economy. Chancellor Hammond had a fine line to tread: He couldn’t … Continue reading “Spreadsheet Phil keeps rabbits in the hat”

Your 10-point plan for the perfect pension

Do you tend to plan your life, or just go with the flow? When it comes to ensuring you’ve got money to spend in retirement, the only way is planning. Whether you’re just starting your career or about to end it, here are the 10 best pension tips to live by. ‘Pension are for old … Continue reading “Your 10-point plan for the perfect pension”

Rising inflation – what does it mean for your money?

Why could our grandparents buy sweets for a ha’penny, but children’s pocket-money is now measured in pounds? It’s all to do with inflation – and your savings, investments and pensions may soon begin to feel the pinch. It’s often said that inflation is the enemy of the investor – and they also say, ‘Know your … Continue reading “Rising inflation – what does it mean for your money?”

Your passport to Real Pension Freedom

Whether you see retirement as one long holiday or as a fresh start, it will certainly be the journey of a lifetime. Will you end up where you want to be? When you think ‘retirement’, what image springs to mind? Maybe it involves an aeroplane touching down somewhere sunny. Most of us may hope to … Continue reading “Your passport to Real Pension Freedom”

Are you ready for the savings crunch?

Years ago we had the credit crunch – will the savings crunch be next? A double-whammy of low interest rates coupled with inflation could cause your ‘safe’ cash savings to erode.  Maybe it’s time to look at some alternative strategies. You know the traditional hierarchy of investments? (Actually, no. I have a life. Ed.)  Well, … Continue reading “Are you ready for the savings crunch?”

Climbing the inheritance tax ladder

It’s not just house prices that are rising every year. Also increasing is the number of people whose families will have to pay inheritance tax. Are you being drawn into the net without knowing it – and if you are, what can you do to protect your family from a hefty bill? Most people never … Continue reading “Climbing the inheritance tax ladder”