28
Jan
2022

7 different ways you can leave gifts in your will

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28 Jan 2022
When you think about writing or updating your will, who you want to benefit from your estate is often the first consideration. However, just as important is how you want to split up the assets you have. There are several options to think about. A will is the only way to make sure your assets are passed on to who you want. As well as naming beneficiaries in a will, you can also specify how you want your estate divided up. This means you have control over who receives which assets or how larger assets are divided. Gifts within a will are known as “bequests” and it’s worth spending some time thinking about who you’d like to receive certain items....
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28
Jan
2022

59% of people say the pandemic has made them question their priorities. Has it affected your plans?

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28 Jan 2022
For almost two years, the Covid-19 pandemic has had a significant impact on lives around the world. From health concerns to restricting social gatherings, the pandemic may have led you to question plans you’ve previously set out. According to a survey conducted by Aviva, almost 6 in 10 people agree that the pandemic has made them question what’s important in life. Furthermore, half have said it has changed their priorities. More than half (53%) of adults in the UK have suspended or cancelled a planned life event during the pandemic, such as buying a new home, getting married, or starting a new business. For some, the pandemic has provided valuable time to think about what is important to them. 4...
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28
Jan
2022

3 personal finance risks in 2022 and what you can do about them

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28 Jan 2022
When you look forward to the year ahead, what do you consider to be the biggest risks to your personal finances? A poll from interactive investor has revealed the three biggest financial worries people have. While you may not be able to prevent things from happening, you could reduce the effect they have on your finances. 56% of people worry about a stock market crash Given the stock market volatility experienced throughout the pandemic, the fact that more than half of people are worried about a stock market crash is not surprising. In March 2020, as fears of a pandemic and global recession began to escalate, stock markets fell sharply. On 12 March, the FTSE 100, an index of the...
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28
Jan
2022

The pension Lifetime Allowance: Why you could be closer to exceeding it than you think

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28 Jan 2022
The pension Lifetime Allowance limits how much you can have in pension benefits tax-efficiently. While you may think exceeding the allowance is a long way off, you could be closer to the threshold than you think. If you haven’t considered how close you are, you could be liable for much more tax than expected. What is the Lifetime Allowance? The Lifetime Allowance is the total amount you can have in pension benefits before you may face additional tax charges. Crucially, the Lifetime Allowance covers the total amount held in your pension, not just your own contributions. This means employer contributions, tax relief, and investment returns will contribute to the threshold. For the 2021/22 tax year, the Lifetime Allowance is £1,073,100....
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28
Jan
2022

8 things to do if you’re retiring in 2022

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28 Jan 2022
If you’ll be retiring this year, you may be looking forward to more free time to focus on what you enjoy. As you start making plans, you need to set out your expectations and how you’ll create an income. To do that, a bit of planning is required, and these eight steps are a great place to start. Set a retirement date The first step is to decide exactly when you want to retire. It can help ensure you have everything in order. A phased approach to retirement is becoming more popular. Whether you want to cut down your working hours or switch to a less demanding job, a phased approach can ease you into retirement. If this is your...
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14
Jan
2022

Investment market update: December 2021

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14 Jan 2022
As 2021 drew to a close, the Covid-19 pandemic and its consequences continued to affect economies. The first case of the Omicron variant was reported in South Africa at the end of November 2021. It quickly spread and some counties began to reintroduce restrictions and offer booster vaccine shots. As before, the measures taken to reduce the spread of Omicron affected many businesses, particularly those in the travel and hospitality sectors. The Organisation for Economic Co-operation and Development (OECD) also warned that surging inflation could undermine global recovery. The OECD predicts that price pressures will peak in early 2022. UK Headline figures from the UK paint a gloomy picture, but there are signs that the economy is getting back on...
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About Me

I’ve been advising clients for over 30 years.

In this time, I’ve garnered a broad base of knowledge helping clients from various walks of life and helping create financial solutions built specifically for them.

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