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Do you want to unlock property wealth? Read the essentials you need to know first
The number of homeowners turning to equity release to boost their finances is on the rise. While accessing property wealth can be a useful way to supplement your other income, there are things you need to consider first. Equity release…
Is your mindset holding you back from enjoying your retirement? Financial planning could help
When you think about retirement planning, what challenges come to mind? While ensuring you have enough saved and that you don’t run out of money are common concerns, there is one you may have overlooked: changing from a saving to…
The essential guide to ISAs
ISAs have been around for more than two decades, but they’ve changed significantly since they were first introduced. This guide can help you understand why using an ISA to save or invest could be a valuable part of your financial…
7 practical ways to get your business sale-ready
Selling your business is one of the biggest decisions you’ll likely make as a business owner, and one that requires careful planning. Even if you don’t expect to use your exit strategy for many years, it’s worth thinking about the…
SIPP versus SSAS – how to determine which pension is right for you
Your pension is likely to be one of the most important investments you’ll make during your life, since it could provide the majority of your income during retirement. That’s why it’s crucial that you invest in the right scheme for…
How much money do I really need as a business owner in Manchester?
Before I became a financial planner, I used to own a different business. Not once did I really ask that question “how much money do I really need?”. Work was my sole focus, and I never questioned what the ultimate…
The 2022/23 end of tax year guide: 7 allowances to make use of before 5 April 2023
The 2022/23 tax year ends on Wednesday 5 April. After this date, many allowances reset, and it could be your last chance to use some of them. Allowances can help your money go further by reducing your tax liability. Reviewing…
Have you used your pension Annual Allowance? Here’s why you should review it before the tax year ends
When a new tax year starts, your pension Annual Allowance resets. Maximising your allowance could help you reach retirement goals and it can be a tax-efficient way to invest for the long term. The Annual Allowance limits how much can…
3.3 million pre-retirees have started a phased retirement. Here’s what you need to know about managing your finances
Fewer workers are choosing to give up work on a set date. In fact, 34% of over-55s that haven’t given up work yet are gradually phasing into retirement, according to Legal & General figures. A phased retirement can take many…
Revealed: The key to happiness in retirement is focusing on experiences
Retirement is a milestone that’s often greeted with celebration. But what do you need to do to be happy during your later years? Research has revealed that it’s experiences, rather than material items, that are important. A survey from Royal…