Why Financial Wellbeing should be in your budget for next year

At a glance: Stress and mental-health issues can affect employees’ performance and productivity, leading to low morale and unplanned absences. Employee wellbeing is no longer just an internal matter – it’s also something investors are increasingly looking at from an ESG perspective. Money worries are a key issue, with the majority of UK businesses affected […]

In case you missed it: UK Fund Manager Interviews

The quick read: The UK market is relatively cheap compared to other markets Large UK companies that our fund managers invest in are international businesses UK stocks have already benefitted from the recent market ‘rotation’, and are well-placed to continue doing so Responsible investing is front of mind for all our fund managers Over the […]

Why a family wedding might be the perfect reason to seek financial advice

At a glance With the lifting of COVID-19 restrictions, there is now a huge demand for weddings – and they’re likely to be bigger and more costly than ever Before you give a couple money towards a wedding, it’s best to seek advice to ensure you understand any tax implications There are specific wedding-gift allowances […]

Understanding the different types of pensions

At a glance The average person will work for 11 employers during their working life and a quarter of people will have 14 or more employers.1 Work out exactly which pensions you have – including the providers’ names, account details, the types of pension scheme and what you’re entitled to. An adviser can then help […]

Should I wait to access my pension?

At a glance: If you can afford to leave your pension untouched for the near future, your money will remain invested and could grow into a larger savings pile – although there’s always an element of risk with investment. You can continue paying into a pension after retirement to further boost your savings and benefit […]

The universal nature of financial worries

At a glance Money worries aren’t just about income and debt – financial stress can be caused by a wide range of situations and factors. With some of the biggest financial challenges we face occurring just once or twice in a lifetime, we don’t always have the skills or experience to navigate them on our […]

Give your ISA the best chance of success

At a glance: Stocks & Shares ISAs are a very tax-efficient – and potentially lucrative – way of saving for the long term (at least five to 10 years). Each person’s ISA allowance (the amount you can pay in without being taxed on the profits) is £20,000 for this tax year (2021/22). The earlier in […]

How to ensure you have sufficient income in retirement

Claire Trott, Head of Pensions Strategy at St. James’s Place, and former Pensions Ministers Sir Steve Webb and Baroness Ros Altmann highlight the importance of retirement planning and seeking financial advice.   THE QUICK READ 77% of savers don’t know how much they’ll need in retirement, and only 16% can give a figure.1 As we all continue […]

Social care planning – what do you need to know?

The quick read: The volume of information and decisions to make around choosing the right care can be overwhelming. The average cost of care in the UK is £34,0001, depending on where you live. A financial adviser can help you to make good care choices – there may even be more support available than you […]

Paid off your mortgage? Time to invest in yourself

THE QUICK READ When you pay off your mortgage, you’ll have upwards of hundreds of pounds per month that are freed up by no longer having mortgage payments. Rather than see this money dissolve into a household budget or day-to-day spending, consider how powerful it could be if you invested it. A financial adviser can […]