Protecting wealth

A total wealth solution has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you…

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Maintaining a diversified portfolio

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy. Diversification allows an investor to spread risk among different kinds of investments, called ‘asset classes’, to…

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Stocks & Shares ISAs

Individual Savings Accounts (ISAs) can be used to hold stocks and shares or cash, or any combination of these, up to the current annual limit. An ISA is a tax-efficient ‘wrapper’ that can be used to help save you tax. A Stocks & Shares ISA and an Innovative Finance ISA are wrappers that can be…

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February financial guidance factsheets

All of our February financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation…

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Shortlisted for hat-trick of Professional Adviser Awards

The finalists for the Professional Adviser Awards 2021 have been announced and we are thrilled to have been selected in not one, not two, but three categories: Best Adviser Website, Best Adviser Support and Best Advice Network. The awards seek to reward excellence both within the financial adviser profession and the broader financial services sector…

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Tax saving opportunities

Now is the time to review your finances and make sure that you’ve taken advantage of all of the tax saving opportunities available to you. Take this opportunity to identify, plan for and potentially mitigate your tax burdens. The government has spent hundreds of billions on measures to support businesses and jobs, and fight the…

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More over-55s forced to dip into pension pots

The UK has seen a rise in the number of people accessing their pension pots or enquiring about doing so. People accessing their pension as a flexible income has increased by 56% [1] according to research since the first lockdown last year. The increase is due to people withdrawing after holding off when stock markets…

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5 healthy financial habits

We’ve pulled together 5 healthy financial habits that you shouldn’t ignore so you can get your finances in order and make more of your money. Do you feel like your financial life has been turned upside down during the coronavirus (COVID-19) pandemic? Or, has the start of the new year focused you on getting your…

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Wealth needs managing

Even as we hope to put the coronavirus (COVID-19) pandemic in the rearview mirror in 2021, uncertainty regarding both the virus and Brexit is likely to continue to weigh on the UK and global economies as well as on our personal finances during this year. While we hope volatility is less elevated this year, financial…

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New Year, new start to your finances

At the start of every year we have great intentions, as financial promises are renewed. Getting our financial life in order will be a top priority for many as we enter 2021. Consider focusing on two key areas: goals related to being prepared for the unexpected this year, and those related to what you want…

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Don’t miss the ISA deadline

Each tax year, we are given an annual Individual Savings Account (ISA) allowance. This can build up quickly, letting you accumulate a substantial tax-efficient gain in the long-term. The ISA limit for 2020/21 is £20,000. The proceeds are shielded from Income Tax, tax on dividends and Capital Gains Tax. To utilise your ISA allowance you…

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First TIPS Financial Guidance Magazine for 2021

Welcome to the first TIPS financial guidance magazine for 2021. In a year of renewal, hopefully we will see a world that is steadily returning to normal, while also rapidly accelerating into a transformed future. The coronavirus (COVID-19) pandemic will continue to impact on our lives in many ways. Where will we be in six…

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