Doesn't your financial future deserve advice that is
independent?
Nearly 7 million adults are concerned about access to medical treatment[1], with lockdowns affecting access to medical treatments. 6.8 million[2] adults (13%) are worried that they won’t be able to get medical treatment if they need it, with people aged over 55 particularly concerned.
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As we get older, many of us will need help looking after ourselves. With the United Kingdoms population ageing, more people will be living with long-term care needs.
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The coronavirus (COVID-19) outbreak has prompted many people to get their affairs in order by updating their Will. Increasingly COVID-19 has been on the minds of UK residents since the outbreak caused a nationwide lockdown last March, and the severity of the outbreak has led many to finally get around to creating or updating an out-of-date Will.
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A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions on your behalf during your lifetime. The people you appoint to manage your affairs are called the Attorneys. A LPA is a completely separate legal document to your Will although many people put them in place at the same time as getting their will written, as part of wanting to plan for the future.
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There are many things to consider when looking to protect your family’s lifestyle and your home. Protecting your estate is ultimately about securing more of your wealth for your loved ones and planning for what will happen after your death to make the lives of your loved ones much easier. It’s not nice to think about but it means that your loved ones can carry out your wishes and be protected from Inheritance Tax.
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As part of your Inheritance Tax planning, you may want to consider putting assets in trust – either during your lifetime or under the terms of your will.
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There are lots of variables in retirement: how long people will live for, the costs of goods and services they will need, interest rates available on their accumulated savings, and so on. But once you have retired, investing is anything but straightforward.
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The coronavirus (COVID-19) pandemic has had a dramatic effect on the global economy. Around the world, economic activity has dried up. Fewer consumers are buying and fewer companies are investing.
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Perhaps the most common investment advice is to stay invested. But with markets being so volatile, the ease of sticking to that advice has been sorely tested in 2020. Even though we’ve seen global markets bounce sharply from their March lows, understandably there will still be those investing for retirement who remain worried and wonder what the best approach is for the remainder of the year and beyond.
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Mental health conditions might not be as easy to pin down as physical health conditions, but insurers are increasingly recognising the need to provide cover and support to people suffering with mental ill health. And with mental health behind so many income protection claims, it’s worth reviewing what protection you have in place.
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