By: Tim Horrocks

A return to normal

What if Charles Dickens had begun his classic “Tale of Two Cities” as follows: It wasn’t the best of times, it…

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financially secure retirement

Are you on track to a financially secure retirement future?

When you are at the point of retiring, the new pension freedoms have opened up all sorts of alternative strategies to…

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Pension and investment scams

Protecting yourself from scams

Fraudsters are using sophisticated ways to part savers from their money Pension and investment scams are on the increase in the…

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planning for retirement

Driving towards the next phase of your life

Getting the date right can help you reach your destination sooner At some point you’ll say ‘goodbye’ to your co-workers, get…

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investment trusts

Investment trusts

Public company aiming to make money by investing in other companies An investment trust is a public company that raises money…

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Inheritance tax

ISA rules and Inheritance Tax

Families set to pay millions in unnecessary Inheritance tax There’s a fundamental lack of awareness and understanding around Inheritance Tax, especially…

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Transferring ISAs

Transferring ISAs

Time to bring your investments together? If you have accumulated a number of Individual Savings Accounts (ISAs) over the years, keeping…

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long term investments

Cultivating the art of patience

Sticking with a long-term commitment to your investments If you want to give your investments the best chance of earning a…

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inflation

Is inflation back? Don’t panic

How to protect the value of your money from its effects Is inflation back? After two years when consumer prices in…

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financial future

Your money, your choice

Supporting your future financial requirements You can pay into as many pension schemes as you want; it depends on how much…

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estate planning

This time next year we’ll be ‘million-heirs’

Larger individual wealth and expectation of substantial inheritances With estate planning, you can decide what happens to your money and possessions…

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saving for retirement

One in eight will retire with no pension in 2018

Excuses to avoid facing the difficult work of saving for retirement Retirement is one of our biggest financial challenges. As with…

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tax changes

2018/19 Tax Changes

Here’s what you need to know about the 2018/19 tax year changes and new initiatives. It’s important to consider the tax…

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retirement risks

Avoiding hidden dangers in retirement

Make sure you don’t run out of money or face a reduced standard of living Increasingly, more and more pensioners are…

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financial issues

How prepared are you for any financial shocks?

The typical household today looks very different from the traditional image of a working family made up of one primary breadwinner…

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financial goals

Financial Fitness

Time to track and celebrate your wealth goals? With the Christmas festivities now a distant memory, money matters are firmly on…

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financial planning for retirement

Why being over 40 is the new mid-20s

Healthier lifestyles and feeling happier about financial planning for retirement An increasing number of middle-aged Britons are getting healthier as they…

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Stocks & Shares ISAs

Stocks & Shares ISAs

Investing in a wide range of different tax-efficient investments From July 2014, Individual Savings Accounts (ISAs) can now be used to…

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retirement income

What will influence your retirement income needs?

What will influence your retirement income needs? Retirement is a time for you to do the things you’ve always wanted. When…

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lifestyle financial plan

Investment objectives – a lifestyle financial plan

Protecting your wealth from market ups and downs A lifestyle financial plan has no value unless it is properly implemented through…

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How to make the most of your retirement

How to make the most of your retirement

Steps you could take to increase your eventual income Even if retirement isn’t far away, there are steps you could take…

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financial goals

6 Reasons to Review your financial needs and goals

Take the time to think about what you really want from your investments You need to consider what you really want…

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things to consider for retirement

Things to take into account once you’ve retired

How our spending might change in retirement Living longer is a good thing, right? Most people would probably agree with that….

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financial future

Funding your future lifestyle

Think about the level of risk you might be willing to take with your hard-earned cash We all dream of a…

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retirement knowledge

Are you sleepwalking into retirement poverty?

Lack of pension knowledge among UK adults The UK’s middle-aged workers could be sleepwalking into retirement poverty. Four in ten people…

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retirement planning cotswolds

‘Miss List’

With retirement in your sights, what do you think you’ll miss? Spending time with family, easily having a shower or bath…

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financial goals

7 pension tips for nurturing your nest egg in 2018

Helping you realise your financial goals We’ve now entered a new age of retirement planning with the introduction of pension freedoms….

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long-term saving

The bank that likes to say ‘yes’

Repeated payouts to children could have a detrimental impact on your own long-term saving Many parents who are in a position…

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Millennial pensions

Millennial outlook

Pension saving high up on the list of workplace priorities Workers from the so-called ‘millennial generation’ are putting pension saving high…

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Individual Savings Account

ISA returns of the year

Taking control over where your money is invested tax-efficiently A new tax year is nearly upon us – and that means,…

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financial plan

Making solid financial resolutions

Grow your money and live the life you want The New Year is the perfect time to overhaul your life for…

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inflation uk

Savings black hole

Inflation set to erode Britain’s £60 billion cash savings Millions of Britons could see their savings shrink, as they don’t know…

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stocks and shares isa

5 reasons to open a Stocks & Shares ISA

Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). Low interest rates…

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cheltenham ifa services

Get ‘wrapped’ up

Autonomy to make your own investment decisions Some people don’t want a pension company deciding how their pension savings are invested…

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What the Chancellor had to say

Autumn Budget 2017 | What the Chancellor had to say

[fullwidth top_border=”no” shadow=”no” parallax=”no” top_margin=”yes” padding_top=”30″] The Chancellor of the Exchequer, Philip Hammond, delivered his Autumn Budget to Parliament on 22…

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will iht affect me

Your wealth. Your legacy

Will IHT affect me? Families shying away from difficult conversations If you have significant assets, you may be wondering whether Inheritance…

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increase pension

Turbocharge your pension

Will you be able to afford the retirement lifestyle you want? If you’re still working, what kind of life would you…

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pension savings gap

UK pension savings gap

The need for a greater awareness of what must be saved today If savers want a particular standard of living at…

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better pension deal

Shopping around for a better pension deal

Consumers lost £130 million by sticking with the same pension provider in 2016 New research finds consumers could be missing out…

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financial advice on divorce

Average age of divorce at an all-time-high

Forecasting the long-term effects of the settlement The financial ramifications of a divorce can be devastating. The average age of divorce…

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retirement in the Cotswolds

Planning for your retirement

Getting ready to slow things down One of the critical aspects of retirement planning is how you structure your financial affairs to…

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family financial protection

Financially unprotected

Dads putting their family’s financial security at risk if the unexpected were to happen What would happen to you and your…

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personal financial plan

Family Succession planning

Taking advice early and developing a personal financial plan is crucial to meeting long-term goals Succession planning may be one of…

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gender wage differences

Gender income gap

Minimising the impact on your retirement income The gap between women’s and men’s annual average expected retirement incomes in 2017 has…

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what tax you have to pay in retirement

Retirement taxation

Understanding the bottom line – tax in retirement Retired households handed over an average of £7,400 each in tax last year…

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Auto enrolment and pensions

Sleepwalking into a pension shortfall

Auto-enrolment shouldn’t be seen as a silver bullet How much money you should be saving for your retirement is a key…

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Pensions revolution

Awareness and understanding amongst the public still remains low 6 April 2017 marked the anniversary of both the new State Pension…

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BREXIT in Cheltenham

Brexit triggers saving

Current affairs have a significant impact on how people feel about the economy People who feel pessimistic about the UK economy…

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investment trusts

Investment trusts

Public company aiming to make money by investing in other companies  An investment trust is a public company that raises money…

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investment objectives

Investment objectives – a lifelong process

Protecting your wealth from market ups and downs If you’ve got a sufficient amount of money in your cash savings account…

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