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Setting Financial Goals

Setting Financial Goals

Taking control of our financial life requires planning, and that starts with setting financial goals. Setting short-term, mid-term and long-term financialgoals is an important step towards becoming financially secure and independent. We all have different financial...

Pension Freedoms

Pension Freedoms

You’ve worked hard for your retirement, but before you can start enjoying it, you’ll need to decide how your pension will provide the income you need to live on. In March 2014, the then Chancellor of the Exchequer, George Osborne, announced a radical reform of the...

Eestate Preservation

Eestate Preservation

Welcome to our Guide to Estate Preservation. Effective estate planning aims to ensure that the wealth you have accumulated during your lifetime is distributed to the right people, at the right time and as tax-efficiently as possible. Preserving and enhancing your...

What is evidence based investing?

What is evidence based investing?

The financial services industry is full of people making promises they can’t keep — promises about ‘beating the market’, about picking the best stocks and market timing, and promises about guaranteed returns. As much as these offers can be tempting for those of us...

Planning for your retirement

Planning for your retirement

Welcome to our Guide to Planning For Your Retirement. When it comes to planning for retirement, the earlier you start, the more potential your money has to grow. Retirement planning is not simply about paying regularly into your pension and forgetting about it....

Smart Money Magazine – Nov/Dec 2019

Smart Money Magazine – Nov/Dec 2019

Welcome to our latest edition. Inside this issue, we look at a number of the topical financial planning stories making the news agenda. Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era...

Investing for a child

Investing for a child

Whether you want to teach your children or grandchildren smart money-management strategies, help them pay for university or set them up for financial success as adults, it’s important to jump-start saving and investing for them early on. Whether it is saving for...

Income protection insurance

Income protection insurance

Have you ever considered what would happen to you or your loved ones if you couldn’t work due to a longterm illness or injury which results in a loss of earnings? It’s important to be able to keep your finances healthy as you recover. No one likes to think that...

Smart Money Magazine – Sept/Oct 2019

Smart Money Magazine – Sept/Oct 2019

Retirement Resilience Welcome to the latest issue. At the time of writing, the UK Government said it is ‘ready and willing’ to do a deal to leave the EU if new terms are negotiated with Brussels. But the new Prime Minister, Boris Johnson, has vowed the UK will leave...

Guide to Understanding Investment Risk

Guide to Understanding Investment Risk

Understanding Investment Risk There are many decisions to consider when making any investment. One of these is how much risk you are prepared to take. This will be determined by a number of different factors. In this guide, we take a look at the different types of...

Guide to Estate and Trust Planning

Guide to Estate and Trust Planning

Guide to Estate and Trust Planning. This guide is designed to give you a basic understanding of Estate and Trust Planning and the issues you may face. We look at various ways you could reduce a potential Inheritance Tax liability in order to pass on as much wealth as...

Critical Illness Cover

Critical Illness Cover

What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for treatment. You may also need to take some...