Client Portal

The critical factor

Life-changing cover, for life-changing events

The coronavirus (COVID-19) pandemic has caused many households to reassess their financial defences with the purchase of protection insurance. The diagnosis of a serious illness can mean a very difficult time for your health and your wealth. ‘If you were to become critically ill and could not earn a living, would your family cope financially, especially to pay bills, mortgage and other expenses?’

Winter Economy Plan highlights

What you need to know about the Chancellor’s announcement

At the end of September, Chancellor Rishi Sunak announced a new Winter Economy Plan, with new measures to support businesses and individuals through the economic impact of the coronavirus pandemic, as well as extensions of current measures.

Planning for succession

How you will ‘slice up your wealth pie?’ 

There is no easy way to say it – anticipating one’s death is an uncomfortable topic. Yet it is often worth pushing past the initial discomfort to pursue the potential rewards of effective wealth transfer planning. There are three places your assets can go at your death: to your family and friends, to charity or to the government in the form of taxes.

State Pension age rises

How could the change impact on your retirement plans?

For the first time in over a decade, the point at which people can claim a State Pension (the ‘State Pension Age’) is simple. If you have reached your 66th birthday, you can claim it. Otherwise you cannot.

Keep focused on long-term investment

Investing for income, growth or a combination of the two

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era of the 24-hour news cycle. Human tendency is to prioritise negative over positive news content, and no one is immune from bad news. So as an investor, when you do get it, how do you process the information, deal with it and move on unscathed?

Remortgaging

When and why to remortgage your home

While most homeowners have a mortgage, many don’t realise that they could save money by remortgaging. While there are good reasons to find a new mortgage deal, it really depends on your situation and circumstances. Not sure whether to remortgage?  

‘No desire to retire’ generation

Why working and retirement are no longer binary terms

Giving up the 9-to-5 doesn’t necessarily mean stopping work. Many people are now considering staggered or flexible working. It can suit some individuals who have caring responsibilities or health issues, or those thinking about retiring in the next few years.

Supporting younger generations

Giving grandchildren financial security is an important goal for many

If you are a grandparent, it’s natural to want to help out the family. And if you’re able to give a financial boost – whether it’s a loan or a gift – to the younger generation, it can be enormously rewarding for you too.

Funding care

More of us can expect to require some form of long-term care

Whether you are looking for care for yourself or a loved one, chances are that one of your first thoughts is going to be: ‘How much is it going to cost?’, swiftly followed by, ‘Who is going to pay for it?’ Understanding all of the different funding options can make a big difference to the care you ultimately choose.

Over-50s with no pension provision

Consequences of not saving enough for retirement in our twilight years

Planning ahead for retirement will help ensure you’re on track to achieve the financial future you want. However, millions of retirees may face the prospect of living in poverty during their twilight years and having to rely only on the State Pension as a result of failing to plan ahead for their retirement, according to new research[1].

Top