Three tips for passing your pension on to your loved ones Do you consider your pension an asset like property, bank accounts, cars, and investments? Some people see pensions differently from those types of assets, but the truth is that your pension is another valuable asset (sometimes worth even more than the family home). That’s […]
How much is enough to support your lifestyle? If you don’t know, you don’t have a financial plan. Do you know how much is enough to support your lifestyle without the fear of running out of money? This is one of the most important questions that financial planning can help answer. We see many people
Many people invest their money to get the best returns possible, and the financial services industry encourages this (it helps them sell more products). However, within a financial plan, it is essential that investments are designed to support your lifestyle. The first thing to consider is an emergency fund. The textbooks suggest holding capital
Why financial planning needs to be designed to support your lifestyle Read More »
Will I have an inheritance tax bill? It’s a common misconception that inheritance tax only affects the extremely wealthy. However, if you’ve been looking into inheritance tax, you may have read about a threshold of £325,000 before tax applies. Anything you own above that value could be subject to 40% tax. You’ll want to look
Many of us recognise the immense value of a personal trainer in the fitness world. They provide personalised workout plans, teach us the correct exercise techniques, hold us accountable, and motivate us to reach our physical goals. But have you ever considered that these benefits closely mirror those a financial planner offers? Just as a
Why a Financial Planner is Like Your Personal Trainer: Achieving Financial Fitness Read More »
Retirement has long been considered the golden years of one’s life, a period to enjoy the fruits of decades of hard work. However, as our society, economy, and individual expectations have evolved, so has the retirement concept. In this blog post, we will explore the changing landscape of retirement and share how I help our
Life transitions, such as getting married, having children, changing careers, or retiring, can be exciting and challenging. Life-centred financial planning can play a crucial role in helping you manage these transitions with confidence. Here are a few ways it can make a difference: Providing Clarity and Confidence: Life transitions often bring stress and uncertainty. Life-centred
Navigating Life Transitions with Life-Centred Financial Planning Read More »
When applying for a mortgage, lenders must be sure they know whom they are lending to and that you won’t overstretch your budget with your monthly payments, now and in the future. Listed below is the information required to assess affordability and advise appropriately: ☐ The ID for each applicant – Passport or Driving License
Information you need to provide to apply for a mortgage Read More »
There are a number of reasons that you may need to get a house valuation done. The four most common reasons for getting a house valuation are the following: 1. To put your house up for sale and get a mortgage for a new property 2. To remortgage your property 3. If you’re getting
Remortgaging your house can generate huge savings. But it’s important to know what you’re doing before you get into the remortgaging process so that you’re making the most of the opportunity. If your mortgage is coming to the end of its fixed term it’s time to start thinking about what you need in order