As the start of a new tax year begins, itâs often a time to consider how your financial plan is shaping up and ensuring itâs still relevant for aspirations and goals. You may be thinking about how youâll use your ISA (Individual Savings Account) allowance this year or how to make the most of investable […]
Ethics are increasingly playing an important role in our day-to-day lives. You may choose to purchase fair trade groceries, use a green energy supplier or be more aware of your own carbon footprint or water use. It’s a trend that’s inevitably spilling over into finances too. As the world becomes more connected in the digital […]
Are you thinking about purchasing an Annuity to fund your retirement lifestyle? Itâs crucial to understand the product and shop around for the best deal as research suggests that many retirees could secure a better income. An Annuity is a way of creating a guaranteed income throughout retirement if you have a Defined Contribution (DC) […]
Earlier this year I was delighted to be one of four advisers shortlisted for âIFA of the Yearâ at the inaugural Yorkshire Financial Awards. The ceremony was held last Thursday, 21st February. It was a great night; showcasing local talent and the best financial services has to offer from across Yorkshire. I attended, more in hope […]
Markets end year on downbeat note It was a brutal end to the year for global equity markets with virtually all major markets suffering sharp declines. Japan was hit particularly hard declining by just under 18% over the final three months of the year. The US, which for most of the year has been one […]
When it comes to falling ill or being injured for an extended period of time, we often think it wonât happen to us. But when questioned about it, research shows itâs something that worries more than half of us. When you consider the potential financial implications, itâs not surprising. According to research from Royal London, […]
During your working years, you may have actively planned for the unexpected. Perhaps you set aside some of your income each month to cover emergencies or took out a protection product to act as a safety net. However, some find as they enter retirement these good habits fall to the wayside, but itâs still important […]
One of the key decisions you need to make when investing is how much investment risk you want to take. Weighing up the level of risk youâre willing to be exposed to can be challenging. Itâs often one thatâs ruled by emotions and your personal attitude to risk. While these factors should play a role, […]
The retirement milestone should be one thatâs celebrated. But all too often itâs one thatâs affected by doubt and uncertainty too. Giving up your working life is a big decision and one thatâs in your hands. However, knowing when youâre ready to retire and in the financial position to do so can be challenging. As […]
Pensioners are increasingly taking advantage of the Pension Freedoms introduced in 2015. While the move offered far more flexibility in how you take an income in retirement, it also means thereâs more responsibility on your shoulders too. For retirees that have chosen to leave some or all of their pension invested, protecting its value and […]
