If you think that the idea of financial advice and planning is only for the very wealthy, think again. In this article we will look at the key stages of life where taking independent financial advice can make a huge difference. Having a financial plan can provide you with confidence in your future. In [...]
By Rachel Efetha, Chartered Financial Planner. I spent most of my teens and twenties sailing and am qualified as a Yachtmaster, not that I’ve done much sailing in recent years! However, I like to use the analogy of sailing across the Atlantic when it comes to reviewing your portfolio. Let’s say you’re on a [...]
We extend a warm welcome to Carly Buck, who has joined us as a Financial Adviser based in Northamptonshire. Caroline Anstee, Managing Director of Anstee & Co., stated: "I would like to welcome Carly to the Anstee & Co. team. I am confident that Carly will be a great asset to the company, as [...]
One of the most difficult conversations you probably will have with your parents is what plans have they made for their financial future. It’s a balancing act between your parents feeling that they are not losing financial control and you being aware that they have some form of plan in place. All this while [...]
So, what is a Trust? A trust is a legal arrangement where you give property, investments or cash to someone else so they can look after them for the benefit of a third party. An example of this would be if you put some of your savings aside in a trust for your children. [...]
By Caroline Anstee, Managing Director of Anstee & Co. Key points from the Spring Budget. The key tax points to take away from this years Spring Budget Cut in National Insurance for employees from 10% to 8%. Cut in National Insurance for the self-employed from 8% to 6%. Capital Gains tax cut to 24% [...]
Socially Responsible Investment (SRI) aims to ensure that you as the investor can support companies that adhere to policies that meet your ethical views. You might also see references to "ethical", "green", "sustainable" or "ESG" (Environmental, Social and Governance). These all come under the broader umbrella of Socially Responsible Investing. Funds that offer SRI [...]
The demand for places for long term care is increasing due to us all living longer. However, funding to cover the care home, which is mainly paid for by Local Authorities is under pressure. Many Local Authorities resources are limited. This is leading to them demanding places at below their cost price. Care homes are [...]
The idea that financial planning advice is only relevant for a few very wealthy people is a common misunderstanding. Working with an Independent Financial Adviser at key times of your life can have a beneficial impact on your financial wellbeing. That saying, "we don't plan to fail, but we fail to plan", has never been [...]
We understand that relationship breakdowns can be emotionally tough and financially expensive, so try and avoid these mistakes. You mustn't underestimate the value of your pension in a divorce settlement. Understand the value of your pensions in a divorce. The valuation of a pension in divorce is never straightforward. Some pensions include guaranteed levels of [...]
