These articles help you understand your financial needs and aspirations
Welcome to our latest edition. Rising living costs have been so significant in recent months that most UK households will have noticed a squeeze on their monthly budgets. Not only does this have a direct impact on people’s lifestyles, even though they are making every effort to cut back, but it has a knock-on effect on their lifelong goals such as owning a home or retiring comfortably. On page 05 new research highlights millions of people across the UK fear that the long-term impact of today’s rising living costs could see their life goals delayed or even missed altogether.
Navigating the higher rate tax freeze
Minimising the impact on your personal finances
Great wealth transfer
Preparing both ‘the family’ and ‘the money’ for the transition of wealth to the next generation
Cash may not be king
Deciding whether to withdraw cash from your pension pot
Putting life on hold
Cost-of-living crisis delays homeownership, having children and retirement
Are you saving enough for retirement?
One in six over-55s have no pension savings yet
Bringing pensions together
What to consider if you have multiple pension pots
How to protect you and your family’s future
What kind of protection insurance do you need?
Inheritance Tax receipts reach £6.1bn
What if I could make my wealth more tax-efficient?
Bridging the gender pensions gap
Women left with half the pension pot, no matter the job
More over-50s returning to work amid cost-of-living crisis
Britons cutting back on food and entertainment to keep cars on the road
Funding the lifestyle you want
Get your retirement plans in motion
It’s good to talk
More young adults are more engaged about money with their parents than past generations
A healthier approach to retirement wealth
Pension schemes have a critical role to play in the transition to a net zero economy
Health, wealth and happiness of a nation
Overall wellbeing still not close to being back to levels seen pre-COVID
Ten tips for first-time investors
Ready to get started on your investment journey?
When should I stop working?
How to tell whether you’re ready to retire
Never too early to plan ahead
Pension savers struggling to save enough for their later years
Bank of grandma and grandad
Older generation using the wealth held in their property to help younger generations
Mind the retirement gap
Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age
Reevaluating the role of work
Preparing your finances for a career break
Self-employed extremely vulnerable to loss of income
81% aren’t seeking financial advice
Later life and financial wellbeing
More than one-million over-60s are rethinking later life plans
Mistakes to avoid when you’re aiming to build your pot
Welcome to our March/April 2022 magazine. Inside, we look at why now is the time to make sure you protect your wealth. The word ‘inflation’ had barely featured in the market’s vocabulary in the last three decades until it suddenly started to come back with a vengeance in 2021. As higher inflation looks set to persist throughout 2022, on page 09 we consider why finding ways to generate a return on investments greater than inflation will be a key investment theme – otherwise your wealth falls in real terms.
Articles featured in this issue:
Getting ready to retire?
Bolstering your retirement lifestyle as you approach retirement
Invest your way out of inflation
Why now is the time to make sure you protect your wealth
Looking to build a bigger pension?
Don’t miss the deadline to give your pension savings a boost
Improving your financial health
Staying on track to achieving specific financial goals
How much do I need to save to retire?
Questions to help you live your best life in later life
‘Time is money’
5 principles of investing everyone should know
You work, you save and then you retire
Behavioural patterns shaping our way of investing, for better or worse
Savers still recognise the importance of long-term planning
Disrupting social plans leads to savings surge
Britons saved almost £4bn as a result of the Omicron variant
‘Job for life’ a thing of the past
Most Millennials and Gen Z have two or more pension pots
Roadmap for investors
Increased confidence portfolios will perform well in 2022
Will I be able to retire when I want to?
Financial planning and advice for the ‘unretired'
What will your legacy look like?
How confident are you about your retirement?
Hopes, fears and aspirations of people approaching and in retirement
Smart money habits
Best practice, smart money habits
Extending the scope of the trust register
Deadline for non-taxable trust registrations announced
Unlocking cash from the value of your home
Homeowners release a record-breaking £4.4bn in property wealth
UKRAINE - RUSSIA CRISIS
Why investors should take a long-term perspective and not panic
On the 24 February the Russian President, Vladimir Putin, ordered a military invasion against Ukraine. A war that many considered unthinkable had begun. Russia’s invasion of Ukraine has sent shockwaves through pretty much every asset class across the globe.
But if you are a long-term investor the best course of action for most individual investors is to keep calm and carry on.
Selling into a falling market is the opposite of what successful investors do. Equally important is the fact that no one knows what Russia’s invasion of Ukraine ultimately means for everything from energy prices to monetary policy. And then there’s the case that, historically speaking, stocks tend to recover quickly after being derailed by international turmoil.
Welcome to our latest edition. Inside, we look at New Year’s tax saving resolutions to make sure you are fully utilising your relevant tax planning opportunities. With the tax year end (5 April) on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. On page 08 we have provided some key tax and financial planning tips to consider prior to the end of the tax year. Now is also the perfect time to take a wider review of your circumstances and plan for the year ahead.
Adult social care charging reform
What will the government’s proposals mean for the social care system?
Improve your financial life
Setting a financial New Year’s resolution you’ll actually keep
How green is your pension?
Get ready to beat the ISA deadline
Time to give your financial future a boost?
New Year’s tax saving resolutions
Make full use of your relevant tax planning opportunities
Time to bring your pensions together?
3.6 million Britons have lost track of their pension savings
It may be time to invest your cash
Is your wealth protected from the damaging effects of inflation?
How much income will you receive from your State Pension?
Knowing what to expect can be an important part of planning for life after work
Create a better world to live and retire in
Pension investments to harness a more sustainable planet
The importance of financial protection
Millions battling with financial hardship, relationship stress and sleepless nights
Across the generations
Pandemic forces people to reassess their finances
Mind the pension gender gap
Women are being urged to think about their long-term savings
Could equity release fund your future?
Freeing up funds or releasing money tied up in your home
Missing midlife workers
Redundancy pushes over-50s out of the workforce
What’s your magic number?
Keeping up your current lifestyle and enjoying your golden years
Live sustainably: how to be a conscious consumer
The everyday choices we make all have impacts on our planet
Saving for a rainy day
What’s the right emergency fund amount for you?
What matters to you?
What you want your wealth to achieve will be unique. It may involve your family, your business and other interests - as well as the social or environmental causes you are passionate about. We can help you achieve the financial future you want for you and your family – please contact us.