Older generation using the wealth held in their property to help younger generations It’s no secret that many younger people tend to encounter difficulties when seeking to enter the housing market for the first time. The degree to which existing homeowners are now prepared to use their own wealth to help their other family members […]

Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age Four in five workers (16 million people) are not saving at levels which are likely to deliver an acceptable standard of living in retirement, according to new research[1] – these numbers exclude Defined […]

More than one-million over-60’s are rethinking later life plans With people living longer lives and retirement now lasting up to several decades, the reality is that the majority of us will have to pay for later life care at some stage – whether that be for ourselves or loved ones.

Mistakes to avoid when you’re aiming to build your pot Many people are feeling the pressure on their finances at the moment due to the backdrop of rising inflation and the cost-of-living soaring. In these circumstances, it can be difficult to think about your long-term finances or even contemplate saving for the future.

Minimising the impact on your personal finances If you’re a higher rate taxpayer, the freeze on the Income Tax threshold will have meant an increase in your tax bill. The reason for the increase stems from the Chancellor’s decision in April 2021 to freeze the higher rate tax threshold rather than increase it in line […]

Essential needs, lifestyle wants and legacy aspirations When it comes to planning for your financial future, a roadmap can be an extremely helpful tool. By outlining your current situation and mapping out where you want to be, you can develop a clear plan of action that will help you achieve your financial goals.

Helping you to make wise financial decisions Investors today are bombarded with an overwhelming number of choices and investment options. With so many options available, it can be difficult to determine which one is the best fit for your individual needs. This is where goals-based investing comes in.

Choosing the right investments and making better decisions overall Investing can be a complicated and confusing process, especially for those who are new to it. There are so many different options and strategies, and it can be difficult to know where to start. One of the most important things you can do when starting out […]

Identifying areas where you could be saving and investing more money It’s important to regularly review your finances in order to stay on top of your money and make sure you’re making the most of it. A personal financial review can help you identify areas where you could be saving and investing more money.

How long you have to pursue each objective If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for between three to six months in the event of an emergency or unexpected expenditure – and you want to see your money grow over the long term, then […]