Meet Sarah, a successful professional with a thriving career and a busy life in London. On the surface, everything seemed perfect. She was earning well, had a lovely home, and was preparing for an exciting future. But deep down, Sarah felt a nagging uncertainty about her financial future. She wasn’t sure if her finances were […]
How Our Three-Hat Approach Transformed Sarah’s Financial Future Read More »
Let me tell you a story about Tom, a successful businessman who spent his life working hard, saving diligently, and building a comfortable nest egg for his family. Tom had always been careful with his finances, and as he approached retirement, he started thinking about the legacy he would leave behind. But when it came
How Cashflow Modelling Can Help You Share Your Wealth When It Matters Most Read More »
Nobody likes to pay unnecessary taxes, but are you taking advantage of all available methods to reduce your tax bill legally? With careful planning, you can: Reduce your income tax. Is your tax code correct? Can you claim tax credits and anything from the marriage allowance or pay it into a pension? You should also
Are you using all available tax allowances to avoid paying unnecessary tax? Read More »
Imagine you’re at a dinner party. You’re catching up with old friends, and the conversation turns to investments. You listen as one friend, Sarah, shares how she’s diligently saved her money over the years, keeping most of it in safe, low-risk deposit accounts. Sarah feels secure, knowing her hard-earned money is untouched, slowly growing with
How to Protect Your Wealth from Inflation and Achieve Financial Freedom Read More »
During my career in financial planning, I have found that many investors take far more risk with their money than they need to. This often leads to tears because they have invested in poor-performing or risky investments. Financial advisers need to complete an investment risk analysis before that client invests their money as part
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 »
Once you have identified your desired lifestyle, the next step is to establish how you will fund it, which brings us on to financial planning. Many people think that financial planning is all about pensions, investment funds and life assurance. That is probably because that is what the financial services industry has led them to
Achieving your life’s aims – the real focus for financial planning Read More »
The Inheritance Tax Gifting Allowance is a set amount of money that you can give away each year without this being added to the value of your estate for Inheritance Tax purposes. The current annual exemption is a maximum of £5,000. IHT receipts reached £5.3 billion in the months from April to December 2022, £700
Maximising Your Legacy: Strategic Guide to IHT Gifting Allowances Read More »
Once you have identified your desired lifestyle, the next step is establishing how you will fund it, which brings us to financial planning. Many people think that financial planning is all about pensions, investment funds, and life assurance. That is probably because the financial services industry has led them to believe that way so it can sell them more
Turning Dreams into Reality: How Financial Planning Focuses on Your Life Goals Read More »
As I mentioned in my first blog in this series, financial planning is about ensuring that when you have one foot in the grave and look back over your life, you have no regrets. Because by then, it will be too late to do anything about it, and you will be mourning lost opportunities. A
Unlock Your Life’s Potential: The Power of a Bucket List Read More »