First of all, do you really want a divorce? Have you looked at the reasons why you are unhappy in your relationship? Have all the avenues such as marriage counselling, marriage coaching, psychotherapy or separation been explored. If you feel that there is no going back, you will need to consider the following. Take [...]
Planning for a secure financial future? It’s very helpful to build a detailed plan to create a picture of your finances now and in the future. Cash Flow Modelling is a way to assist you in making informed decisions over the years to help achieve your long-term objective of a secure financial future. At [...]
Putting a retirement plan in place. If you’re in your late fifties/early sixties and starting to think about retirement, there is certainly a lot to think about! The important thing is to first get an idea of what level of income you will need in retirement so that you can comfortably enjoy your well-deserved [...]
If you are researching how to pay for long-term care, for yourself or a loved one, then we can help you. We are a firm of Independent Financial Advisers (IFA’s) that specialise in Later Life issues, offering unbiased expert advice. How will an Independent Financial Adviser help? As a firm, we have a team [...]
So, why should you complete a Financial Life Plan and regularly review it? People do not buy pension plans because they want a pension plan! What they want is the lifestyle a pension can bring. Financial Life Planning looks at the purposes for which you want to use your money. Our Financial Designers discuss [...]
So, what is legal and what is not when it comes to estate planning? For a long time, there was a clear distinction between tax avoidance and tax evasion. Tax avoidance, being legal and tax evasion, being illegal. Since the banking crash in 2008, the Inland Revenue has taken strong measures to discourage what [...]
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 [...]
So who are the “Sandwich Generation”? The "Sandwich Generation" are the group of people who are feeling the financial strain of supporting their children, grandchildren and ageing parents. With young adults struggling to achieve financial independence and a population that is living longer the burdens and responsibilities of the over 55s are increasing. Recent [...]
A survey conducted by Aldermore Bank showed that almost three-quarters of business owners expect to be working past the age of sixty-five. This, however, is not out of choice. Two-thirds said that they would have preferred to have been enjoying their retirement by then. The key reason given is that they are looking to enjoy [...]
National Savings & Investments (NS&I), the Treasury-owned bank, has increased the rate of interest on more of its savings accounts as it attempts to keep up with rising interest rates. Its one-year guaranteed bonds, the only ones on sale to new customers, increased from 4 per cent to 5 per cent. The two and three-year [...]
