If you are in your 50s or 60s, your thoughts are probably turning towards retirement. When should you retire? How much money do you need? Your destiny is in your own hands. In trying to answer these questions, you face a problem. Because of longevity trends, we are on average living longer. With longevity increasing,…
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We’re delighted to announce that we’ve once again been shortlisted in the MoneyAge Awards 2019 for the ‘Financial Adviser of the Year (medium to large)’ category. No in their 4th year, the MoneyAge Awards celebrate the excellence, innovation and professionalism in the ever expanding and innovative personal finance space. It honours the financial specialists who…
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The pain of regret after divorce can be long-lasting, especially when you consider the life-long impact divorce has on your children, your finances and your emotions. All the problems, the arguing, the unhappiness, it is all over now that the divorce is final. Right? Not always. Thousands of people who go through a divorce or…
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Volatility fluctuates based on where we are in the economic cycle, but it is a normal feature of markets that investors should expect. When stock markets start correcting, daily injections of bad news may sounds as though it will never end. This can spark anxiety, fuel uncertainty and trigger radical decisions in even the most…
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Passing on wealth is a sensitive subject, not just because of the financial complexities of it all, but also the emotion and family politics involved. Having built up their business or wealth, many families often wish to enjoy it whilst also ensuring that it is passed on to the next generation in their families. Passing…
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Very low or very high inflation is damaging to the economy. The aim is usually to try and keep the Consumer Prices Index (CPI) at 2% in order to maintain a ‘Goldilocks Economy’ – not too hot, not too cold. Over time, inflation can reduce the value of your savings because prices typically go up…
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Investors looking for tax-efficient ways to build a nest egg for retirement often look to both Individual Savings Accounts (ISAs) and pensions. Tax-efficiency is a key consideration when investing because it can make a considerable difference to your wealth and quality of life. However, the type of investment and tax-efficiency is a common dilemma faced…
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Welcome to our guide to managing investment risk. One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’ – reducing the risk of your portfolio by choosing a mix of…
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Trusts are all about protecting, preserving or ultimately distributing your wealth. 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. Putting assets in trust – rather than making a direct gift to a beneficiary – can…
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We would rather not think of the time when we’re no longer around. But it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens. Life insurance (sometimes called ‘life cover’) is all about making sure your dependants have the money they need…
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Long-term care insurance provides the financial support you need if you have to pay for care assistance for yourself or a loved one. It involves a variety of services designed to meet a person’s health or personal care needs during a short or long period of time. These services help people live as independently and…
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The latest TIPS Financial Magazine is now available to download from our website. Inside, you’ll find an array of articles about how we can help you further to plan, grow, protect and preserve your wealth. As we all know, the ultimate goal money can buy is financial freedom. Volatility fluctuates based on where we are…
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