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Financial Organisation

 
 
 

How much value does a financial planner really add?

Vanguard’s Adviser Alpha survey is an annual report produced by one of the world’s largest and most respected fund management companies. Their latest survey used real-world data to try and quantify the benefits of using a financial adviser or planner – the returns on top of your returns, if you will. It makes for interesting reading.

May 17, 2019
 
 
 

How to save for your children

With the cost of education and housing rising, it’s become more commonplace for parents and grandparents to save for their children and grandchildren. By planning ahead, they can maximise the impact those savings will have.

May 10, 2019
 
 
 
 
 
 

Equity Release – is it right for you?

As a nation, we love property, I try to expand my clients views, but often decisions made decades before meeting me means that the largest asset some of my clients own is their home and often they are pension and cash poor, so how do you release the value of your home?

March 24, 2019
 
 
 

Holiday money blues? Not with these tips

We work hard all year to be able to enjoy our holidays, so making every penny count helps you get the most from your trip. Now, however, is the time to start planning your summer holiday money if you want to keep your costs down. Warren shares his top 10 tips on making your money go further when you’re heading overseas.

March 18, 2019
 
 
 

How to turn £15k into £1m for your children

Anybody from a new-born baby until they are in their 60s can have a pension – you can even set one up in your baby’s name and pay into it from the day of their birth! The beneficiary can’t access their pension until retirement age, so your children can’t use it to buy a car or a house or to pay for university. So why would you consider starting one for your child?

February 22, 2019
 
 
 

Joined-up thinking: couples and finances

Money, like a relationship, is a very emotional thing. Put the two together and you’ve either got sweet sailing or stormy waters ahead. Discussing your thoughts and rules around money is important as a couple. You need to develop together in a financial sense as well as an emotional one. Based on over 20 years of working with couples and their finances, here are some tips on navigating the journey together.

February 13, 2019
 
 
 

Lifelong lessons from pocket money

We don’t receive financial education at school, so teaching children about money starts at home. That can seem scary if you’re not good with money yourself, but with a simple pocket money system you can easily show your children strategies which help them learn and grow their own money management skills.

February 1, 2019
 
 
 

Don’t Delay, self-assess today

The 31 January deadline for submitting online self-assessment tax returns is suddenly looming large. If you’re not one of the 10,000 or so people who submitted their returns on Christmas Day or Boxing Day – no, me neither – and you still haven’t done it yet, then it’s time to get moving on your return.

January 25, 2019
 
 
 

Say goodbye to your credit card debt

It’s that time of year when credit card statements loom large – and for many, that means worries about their finances. Recent research showed that people take on average until May to pay off their Christmas. Follow my steps to say goodbye to your credit card debt.

January 17, 2019
 
 
 
 
 

Enjoy your Christmas – and the New Year too

Christmas is one of those times of year where sensible people do some silly things. We might have been good all year when it comes to our health, diet or money, but then the jingle bells come on the radio and the streets are decorated with magic, and we forget everything and overindulge!

November 30, 2018
 
 
 

The Path to Happiness

For many, we feel we need something to make us happy, a new job, a new relationship, more money.  The fact is, although we may like having these things, they won’t make us happy.  We can decide to be happy with them, or without them because our happiness will not come from the outside, our happiness will only come from within.

November 9, 2018
 
 
 

Financial Clarity

Getting financially organised is important, because clarity is power. When you know your numbers, your finances are not as complicated as you might think. Clarity gives you the enthusiasm to make better decisions and live the life you want to live.

November 7, 2018
 
 
 
Money management for kids

I’ll Help you to Save Scheme

The government have just launched a new savings scheme called “Help to Save”.  It allows you to save upto £50 a month over four years (up to a maximum of £2,400) and receive a 50p bonus for every £1 you save. Find out more about the benefits on this scheme along with how you open an account.

October 19, 2018
 
 
 

It’s time to get smart about Credit (DEBT) Day

In the US, the third Thursday every October is Get Smart About Credit Day, and we should piggyback on that here. It could be called Get Smart About Debt Day, because that’s exactly what credit is, it’s not our credit, it’s our DEBT. Whatever you want to call it, use the day to begin the process of climbing out of debt with my simple tips.

October 17, 2018
 
 
 
Pension freedom Q&A

Bank of Mum and Dad? Put Yourself First

Parents helping out their children (and grandchildren) financially is a tricky topic because it’s so caught up in emotion and love that it’s not always easy to make sensible decisions. I have two kids and I love them dearly – but there’s a reason it tells you on the airplane safety briefing to put your own mask on first before you help your children. In the same way, financial support for your family is a case of secure yourself first.

October 15, 2018
 
 
 
 
 
 
 
 
 

Let’s make Q3 amazing!

I think Q3 is the one of the most exciting times of the year: on one hand you’re thinking about how quickly time flies, and on the other there are six months left of the year, plenty of time to do something about achieving your goals.

July 26, 2018