End of Tax Year Planning

The end of the 2017/18 tax year is fast approaching and it’s your last chance to take full advantage of your tax free allowances and exemptions. The list below will help you take advantage of some of these and remember they must be used on or before the 5th April 2018.

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Budgeting for a better lifestyle

Many people will have started the year thinking about their money and asking themselves questions like, did we spend too much on Christmas? Where does all our money go? How can we start saving money? We really need to start thinking about our future and how will we ever afford to stop work?

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Real Financial Planning

At its simplest, Real Financial Planning is identifying how much money you really need for the rest of your life and then identifying the steps that need to be taken to make sure that your money will last as long as you! The fact is the majority of people have no idea where they are heading financially. They may have assets, investments, and/or high levels of income, but most people have no idea what it all means, or what sort of financial future awaits them.

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Prediction season is upon us

I’m glad I’m not a financial media pundit whose job requires making predictions on the outcomes of major world events.

In recent times, from the Brexit referendum, to the US presidential vote, to general elections in Australia, the Netherlands, France and the UK, the record of many media and market pundits, pollsters and self-appointed ‘gurus’ has not been particularly distinguished.

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Sailing into the Future

Most of us will start the year with some New Year’s resolutions. I’m sure that getting healthier by going to the gym is probably highest on most people’s lists but financial goals are also a popular choice. Whether it’s saving for something important, reducing credit card debt or being more careful about what we spend.

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Lessons for the Next Crisis

It is now the 10-year anniversary of when, in early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis.

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Why costs are so important

We all know that Christmas is probably the most expensive time of the year and it’s important to keep a track on all your expenditure.

When we plan to buy anything in this internet age, from a children’s toy to the Christmas turkey, making a price comparison is easy to achieve; a Google search or a visit to a price comparison website and Bob’s your uncle. 

When it comes to investing, gaining meaningful insight into the real cost is not quite so simple yet it’s so important to any investor.

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The Financial Gym

The Art and Science of Investing enables an investment strategy to be built that will dovetail with your financial plan as well as the degree of comfort that you have with financial risk. The aim is to make a successful outcome more likely than would otherwise be the case. It is often about building and maintaining a strategy that allows the accumulation of wealth through patience and discipline.

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Do you feel financially well organised?

Many people that come to see us have been busy living life, buying houses, bringing up the children, changing jobs and then suddenly find themselves with numerous bank and savings accounts, ISAs, life assurance policies and Pensions. 

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How easy is it to stick to a plan?

It’s often said that the secret of success in achieving a goal or plan is “stickability”, a person's ability to persevere with something; staying power. But success also depends on having goals or plans you can actually stick with. Managing that tension is what a good coach, mentor or adviser does.

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The Art and Science of Investing

Real financial planning is an ongoing process which helps you to identify the life that you wish to live and to make sure that your money will enable you to do so without worry. I have endeavoured to explain that some people already have enough, others might have enough at some point in the future while some will never have enough if they always spend too much.

If there is a risk of running out of money in the future there are only three steps that can be taken to solve the problem.

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A special word to small sized business owners…

If you run your own business, either as the sole owner, or as a partner or co-director, you have an incredible opportunity that should be maximised.

You have an asset that could help you accumulate enough money to live the life you want.

My question for you, as a small business owner, is have you built into your services or products the cost of your future?

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The Just Right’s

Many people do have just the right amount of money for the rest of their life. But the trouble is, they just don’t know it! They have no idea what’s going to happen to their bucket, because no one has ever shown them. So they still stress and worry about money. They invest in all the wrong places. They take too much risk, which of course ruins their peace of mind and possibly erodes their capital.

Does this sound familiar?

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The Magic of Compound Returns

Those who understand compound interest are destined to collect it.
Those who don’t are doomed to pay it.

So, what is compound interest?

Albert Einstein, well known for being smarter than the average bear, once called compound interest “the greatest mathematical discovery of all time”. But you don’t need to be as intelligent as Einstein to understand compound interest. In fact, it is a very simple concept.

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Investment Strategy Tolerance

In effect, investors are often largely on their own when it comes to financial advice. The good news? There are great advisers out there. But the bad news is that it can be hard to tell the good from the bad, even when you are already a client.

These five questions will reveal the good advisers. If you can answer ‘yes’ to all five questions, you have found an adviser with good process who acts in your interests, and one you can trust.

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