Taxing times

With the current tax year having begun on 6 April 2022, the clock is ticking, and it is important to utilise all the tax reliefs and allowances available to you before 5 April 2023 in order to minimise any potential liabilities. Personal tax planning should be at the top of your agenda, as the end…

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Planning to meet your goals

The professional advice received from a financial adviser can make it easier to understand your financial situation and help you create strategies for better money management. They can provide tailored advice that considers your individual circumstances, goals and needs. They will explain the options available, from setting up emergency funds to effectively managing debt or…

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Truly Independent make final in PA Awards 2023

We are proud to announce that Truly Independent has made the final for the Professional Adviser Awards 2023 for the category “Best Advice Network”. The following key points will determine the winner of this category: What has your company done in the last 12 months to help your adviser clients or users grow their businesses…

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Time to ensure your family finances are secure

With a New Year comes resolutions. Everyone should make a resolution to review their protection and estate plans. A solid plan will help you feel confident your family’s finances are secure. The uncertainty of the past couple of years has shown how important it is to have a robust plan in place for securing your…

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What sort of lifestyle will you be able to afford?

How inflation could be impacting on your retirement plans. Inflation can affect your retirement savings depending on what you do with that money. Leaving your money in a bank account with low interest is a risk, as your money will not outgrow the rate of inflation. That’s why it’s important to have an understanding of…

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February 2023 financial guidance factsheets

All of our February financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation…

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Tracing old and lost pensions

Nearly half of pension holders have lost track of some of their pension pots. The lost pensions challenge in the UK has grown significantly in recent years, further exacerbated by the pandemic, which resulted in a large proportion of people moving jobs. A recent Pension Policy Institute research briefing calculated the total value of lost…

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Don’t miss the ISA deadline

Any unused ISA allowance will not be rolled over into the new tax year. On 6 April when the new tax year starts, if you haven’t used all of your or your children’s ISA allowances from the previous tax year, they will be lost forever. Want to know more about investing in an ISA? Your…

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Insurance that works while you can’t

Would you be able to carry on paying the bills using statutory sick pay or your savings? Consider how you would cover your usual monthly costs if you were ill or injured and couldn’t work for a while. Would you be able to carry on paying the bills using statutory sick pay or your savings?…

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TIPS Financial Magazine January/February 2023 Edition

With the current tax year having begun on 6 April 2022, the clock is ticking and it is important to utilise all the tax reliefs and allowances available to you before 5 April 2023 in order to minimise any potential liabilities. On page 08, we look at the way personal tax planning should be at…

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Top 10 investing principles

Everyone has a different idea of what money means to them. Having a financial plan can help you get where you want to be. The reality is that investors who make the effort to plan for the future are more likely to take the steps necessary to achieve their financial goals. Your financial plan should…

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Pension saving revolution

Since it was introduced ten years ago, auto-enrolment has revolutionised pension saving for millions of people in the UK, encouraging a culture of saving for the long term. It’s been a positive initiative, and individuals now have to take more responsibility for their retirement savings. This has meant many people now put some money away…

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