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 […]

The hidden benefits of insurance

The quick read: The pandemic has highlighted the need for households to insure against loss of life and income with critical-illness cover, life insurance and income-protection insurance These policies often have worthwhile extra benefits, including legal advice, support for children, access to medical specialists, and health and wellbeing rewards And they are often only available […]

Why cash ISAS don’t cut it for women any more

Who are the better investors, men or women? Given that, both historically and in the present day, men are the more numerous investors, you might think that experience gives them the advantage. But a 2018 study by Warwick Business School found the opposite: women are more successful investors because they tend to think long term, […]

Planning for your retirement when you’re self-employed

In a year that was short of reasons to be cheerful, the news in June 2020 that a record number of people were paying into workplace pensions1 was welcome. It continued an upward trend that began in 2012 with the launch of automatic enrolment, which brought millions of individuals into the pensions system for the first […]

Seamus Valente achieves Level 3 Certificate in Mortgage Advice

We would like to say congratulations to our colleague Seamus Valente who has obtained a Level 3 Certificate in Mortgage Advice from the Chartered Insurance Institute. Seamus works as a Paraplanner McGrady Financial Services Ltd, and he also holds a Certificate in Mortgage Advice and Practice (CeMAP). This is a great milestone in Seamus’ continuing […]

Christmas Appeal 2020

We would like to thank our fantastic staff for their kind donations towards our 2020 Christmas Appeal. Their generosity has meant we are able to support Crisis Together for the Homeless and Action for Children. Well done and thanks to our staff for organising this!

Talk Money Week 2020

We’ve pulled together a round-up of resources to help you get to grips with your money – whether you’re just getting started or well on your way. We’re all familiar with the things we can do to keep fit and well – physically and mentally. And while our financial wellbeing is just as important, we […]