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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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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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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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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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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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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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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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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care costs

Funding future care costs

‘The tragedy of old age is not that one is old, but that one is young’ With the UK’s population ageing,…

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Pension time bomb

Planning to prevent the financial equivalent of climate change Millions of workers across the UK could be heading for a significant…

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is my investments safe

Inside the mind of a scammer

Tactics investment fraudsters use to deceive over-55s The Financial Conduct Authority (FCA) is urging over-55s to check that investment opportunities are…

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UK General Elections and the Stock Market

Over the long run, the market has provided substantial returns regardless of who lives at Number 10. Next month’s snap election…

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Hello LISA

Lifetime ISA Saving for a first home or retirement at the same time The start of the new tax year on…

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successful investing strategy

A little today, a lot tomorrow

Successful investing strategy Managing investment risk during turbulent markets A common mistake that some investors make is not diversifying their portfolio…

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foreign expats financial advice

Foreign expats living in the UK

New regulations coming into force from 6 April 2017 As the tax year end approaches, people will be rushing to ensure…

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tax planning cheltenham

2016/17 Year End Planning

Keeping your taxes as low as possible – what you may wish to consider sooner rather than later The 2016/17 year…

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US presidential election

Top Trump

Winners and losers from the seismic US election result After a long and brutal US presidential election campaign, Donald Trump emerged…

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best investment options

Choosing investments

Best investment options  What you need to know to become a more confident investor Before you choose or make any investment…

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Consolidate pensions

Consolidating your pension pots

Consolidate pensions What you need to consider to ensure you don’t lose out Have you ever considered moving and consolidating your…

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preparing for retirement

How financially prepared are you for your retirement?

Men narrow the gap on women when it comes to life expectancy Thanks to healthier lifestyles and advances in medicine, people…

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saving for retirement

Getting ready for life beyond work

Three-year growth in adequate retirement saving steadies Nobody knows quite what the future holds. Changing life plans and priorities will mean…

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planning for retirement

Time is of the essence

Start thinking about preparing for any big events as soon as you can None of us know exactly what life’s got…

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investing advice online

Investing during market volatility

Whether seeking income, growth or both, there are some basic rules to follow Volatile financial markets are an inevitable part of…

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investment portfolios

Currency movements

Protecting your portfolio Investors should not try to predict currency movements, but you can act to protect your portfolio. Investing in…

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post brexit

Investment matters post-Brexit

Facing new challenges at every turn to meet long-term objectives We are now living in a more uncertain world. As correlations…

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Savvy investors

Time to get wrapped up? How to shelter income and capital gains For long-term investors, Individual Savings Accounts (ISAs) are a…

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investment goals

Are millennial investors facing a perfect storm?

Looking at the mismatches between expectation and reality Depressed wages, escalating living costs and a struggling global economy – millennials have…

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Return of multi-generational households

Two in three agree living with family is beneficial Multigenerational households could be set to grow in popularity as property costs…

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mortgage payments

Lack of preparation for the unexpected

A quarter of us could only afford to pay household bills for a maximum of three months  Protecting your family should…

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financial advice in cheltenham

Advice with you in mind

One of the most important relationships you may ever have Few people really have the time to understand the significant number…

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financial protection help

Financial protection

If the worst happened, are you fully protected? It’s easy to think, ‘I’d cope, that’ll never happen to me’. But any…

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Investment Risk Brexit

Our Mixed Up, Messed Up Relationship with Investment Risk

“What the imagination can’t conjure, reality delivers with a shrug.” – Trumbo (movie voice-over) Whether it’s the recent destruction wrought by…

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stamp duty cheltenham

Stamp duty rule changes

What could the shake-up mean for you? A shake-up of the stamp duty rules took effect on 1 April 2016 in…

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high yield bonds

Investing for Retirement Income: High-Yield Bonds – Sticks and Stones Can Break You – Part 2

In Part I of our three-part series on investing for retirement income in low-rate environments, we explained why we don’t advise…

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Impact on financial markets ahead of the EU referendum With an increasing focus on ‘Brexit’, our investment clients will naturally be monitoring…

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financial protection

Financial protection

If the worst happened, are you fully protected? It’s easy to think, ‘I’d cope, that’ll never happen to me’. But any…

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investing advice

Investing for success

Achieving your goals by weighing the potential risks alongside the prospective returns Successful investing involves making choices that meet your unique…

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estate planning

Creativity in finance

David Bowie’s estate planning could be a lesson to us all It’s fair to say there was no one else quite…

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financial resilience

Financial resilience

Providing a valuable safety net for you or your family should you become ill or die If you became sick or…

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ISA subscriptions

Keeping it in the family

ISA subscriptions now available to a surviving spouse Last year, the Chancellor announced a significant change to Individual Savings Account (ISA)…

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isa deadline

Beat the ISA deadline

One of the most valuable tools available to investors focused on wealth creation for the long term [columns] [box_colored icon_color=”#fff” background=”#331131″…

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pension changes

Navigating uncharted waters

The impact of further pension changes on the horizon from this April [columns] [box_colored icon_color=”#fff” background=”#331131″ title=””] Pensions have been transformed…

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ISA returns of the year

Finding the right mix of tax-efficient investments We all have our own financial goals, so it’s important to find an approach…

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reasons for investing

Reasons for investing

Taking a long-term view to wealth creation Stock markets can be unpredictable. They move frequently – and sometimes sharply – in…

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allocating wealth

Allocating wealth

One of the most important investment decisions you ever make How you choose to allocate your wealth between different asset classes…

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2016 Tax Matters

Reducing the taxman’s take To minimise the tax you pay, it’s important to be fully aware of the choices you can…

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tax planning


Essential tax planning and wealth strategies Good planning and careful timing are critical if you want to maximise tax reliefs or minimise the tax…

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investment strategy

Creating an investment strategy

Allow your lifestyle to dictate your investment approach To make the most of your investment opportunities, allow your lifestyle and not…

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types of investment

Main types of investment

Understanding asset classes There are four main types of investments, known as ‘asset classes’. Each asset class has different characteristics and…

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buy to let

Buy to let and second homes

[lead_block class=”” title=”Buy-to-let landlords and people buying second homes from April this year will have to pay a 3% surcharge on the…

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