Homeowners release a record-breaking £4.4 billion in property wealth Despite the pandemic, 2021 saw older homeowners release a record-breaking £4.4 billion in property wealth at a rate of more than £12 million a day to help family members and secure their own finances by repaying debt or remortgaging existing borrowing, according to newly released data.…
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Bolstering your retirement lifestyle as you approach retirement? Have you ever wondered what you need to consider as you approach retirement? Whatever your concept of what is a good pension pot, one certainty is that relying on the State Pension alone will not give you a good enough pension to live on comfortably through your…
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Time to give your financial future a boost? Savers and investors have less than one month to use the £20,000 they can put into their tax-efficient Individual Savings Account (ISA) before the end of the financial year on 5th April. The current tax year started on 6th April 2021 and ends on 5th April 2022.…
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Welcome to our March/April 2022 magazine. Inside, we look at why now is the time to make sure you protect your wealth. The word ‘inflation’ had barely featured in the market’s vocabulary in the last three decades until it suddenly started to come back with a vengeance in 2021. As higher inflation looks set to…
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What’s the right emergency fund amount for you? An emergency fund is money you put aside to cover a financial shock. This could be losing your job, or a large, unexpected expense. Building an emergency fund can help prevent you needing to borrow money or make difficult financial decisions in those moments, by giving you…
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Pandemic forces people to reassess their finances. The COVID-19 pandemic has affected every part of our lives and continues to have a widespread impact across all aspects of financial life, including retirement plans. Life in lockdown prompted many people to adjust their priorities, for example, to move nearer to family, take staggered retirement or retire…
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Fear, worry and stress are normal responses to perceived or real threats, and at times when we are faced with uncertainty or the unknown. So it is normal and understandable that people are experiencing fear in the context of the COVID-19 pandemic. New research reveals that only a small proportion of people notify their insurer…
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Women are being urged to think about their long term savings Imagine reaching retirement age and discovering that, despite years of saving, you don’t have enough money to get by. Worse still, suppose you’re unable to pay for the right kind of care in your old age. If you and your partner separate or your…
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Is your wealth protected from the damaging effects of inflation? Many people underestimate the damaging effect of low interest and high inflation on the cash savings. A continued period of low-interest rates on cash savings and rising inflation could pose a real risk to savers in 2022, even if the Bank of England (BoE) moves…
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Truly Independent Financial Adviser, Andrew Brown, has been selected as one of the 2022 Vouchedfor Top Rated Financial Advisers for a fourth year running. In order to be selected financial advisers must have more than 10 reviews since the beginning of the year; with an overall rating of 4.5 or higher. Speaking about the recognition,…
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The consequences of inaction on climate change are now impossible to ignore. Every company has an impact on the world around us. And by investing in them, so do we. Devastating wildfires ripping through several countries, the aftermath of Storm Ida that caused unimaginable flooding across the northeast of the US, storm Arwen that brought…
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Make full use of your relevant tax planning opportunities. With the tax year-end (5 April) on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. We have provided some key tax and financial planning tips to consider prior to the end of the tax…
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