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Should we be preparing for long-term inflation?

One of the main effects of globalisation on the standard of living in the UK has been the low price of consumer goods and therefore low inflation, driven largely by the low cost of production in China, Taiwan and other parts of East Asia. From 1993 to 2020 inflation for goods averaged just 1 per […]

Filling ISA allocations early in the new tax year could leave you better off

Did you know that investing your ISA allocation at the start of the Tax Year could leave you better off than leaving it until the last few days? The finance industry has a habit of pushing people to make the most of their ISA and pension allowances towards the end of the Tax Year and […]

Spring Statement, March 2022

Yesterday (23rd March, 2022) the Chancellor, Rishi Sunak, pledged to help households fight the cost of living in the UK. His speech was delivered against a testing outlook, with the Office of Budgetary Responsibility finding prices had risen by 6.2 per cent in the twelve months to February 2022, which was the highest rate of […]

How does the Russo-Ukrainian conflict affect the stock markets?

How does conflict affect the stock markets?

Russia’s invasion of Ukraine has caused untold misery to millions of Ukrainians, shaken markets globally, and caused the price of oil and energy to rise. We know there will be lots of headlines written in the coming weeks about the crisis. There will be knock-on effects on the cost of energy and other unforeseen events […]

Ethical investment criteria, with Wren Sterling.

Coming to grips with the lifetime allowance

If your pension pot breaches the £1m mark, you could face a punitive tax bill when you retire. So how can you protect your funds? Originally published in The Sunday Times, written by Marianne Curphey With a significant proportion of the UK population facing a shortfall in retirement income, the government has used tax breaks [...]

Financial Advice Linked to Good Mental Health.

Visualising retirement: why pension decisions are about more than just pounds and pence

Pensions used to be a simple affair. You retired, you drew your pension and the hardest decision you had to make was how much tax-free cash to take. But since pension freedom rules came into effect six years ago and the world was turned on its head through Covid-19, people now have significantly more choice [...]

DIY Investors should beware financial scams

If in doubt, PLEASE ask your adviser

Barely a day goes by without frontpage headlines about scams. A new type of scam, an unbelievable amount lost to scammers, life savings gone in a flash, Ponzi schemes, investments guaranteeing huge returns – we’ve all seen them and had the emails, texts and phone calls. It’s a scary environment but working with a financial […]

Active and index investing in your portfolio to secure your children's future.

Kids cost more than you think – so plan ahead

Originally published at brewin.co.uk Many people vastly underestimate the cost of raising a child. Plan now to avoid nasty surprises scuppering your finances. Raising a child is one of the most rewarding things you can do in life – but it can also be eye-wateringly expensive. We all know things like childcare, private school and [...]

Trio of acquisitions announced by Wren Sterling

Wren Sterling has released details of a further three deals completed over the first half of 2021, as it takes its total number of acquisitions in 2021 to four. Sentinel Private Clients Limited (Sentinel), of Warwickshire, Bookeeping Administration Services Ltd (BKASL) based in Cardiff and Rothesay Intelligent Financial Services Ltd (Rothesay) in Bedfordshire have been […]

Managing your money is the first step of financial planning

Tax Day – what does it mean for financial planning clients?

On 23rd March, the Treasury issued 30 consultations on different strands of taxation and the UK’s tax administration system in Tax policies and consultations, Spring 2021. In its paper, it states: “the tax system needs to reflect wider economic, social and policy change in order to ensure it remains effective.” This is clearly a reflection […]