Wealth needs managing

Even as we hope to put the coronavirus (COVID-19) pandemic in the rearview mirror in 2021, uncertainty regarding both the virus and Brexit is likely to continue to weigh on the UK and global economies as well as on our personal finances during this year. While we hope volatility is less elevated this year, financial…

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New Year, new start to your finances

At the start of every year we have great intentions, as financial promises are renewed. Getting our financial life in order will be a top priority for many as we enter 2021. Consider focusing on two key areas: goals related to being prepared for the unexpected this year, and those related to what you want…

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Don’t miss the ISA deadline

Each tax year, we are given an annual Individual Savings Account (ISA) allowance. This can build up quickly, letting you accumulate a substantial tax-efficient gain in the long-term. The ISA limit for 2020/21 is £20,000. The proceeds are shielded from Income Tax, tax on dividends and Capital Gains Tax. To utilise your ISA allowance you…

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First TIPS Financial Guidance Magazine for 2021

Welcome to the first TIPS financial guidance magazine for 2021. In a year of renewal, hopefully we will see a world that is steadily returning to normal, while also rapidly accelerating into a transformed future. The coronavirus (COVID-19) pandemic will continue to impact on our lives in many ways. Where will we be in six…

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Financial action plan

It’s important to have a financial action plan and we have put together 10 steps to help you build a better financial future. In these uncertain times, it can help to focus on the things you can control. And working out what your money’s doing for you now and where it might come from in…

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Festive Financial Gifts

With the festive season upon us, have you thought about gifting your children or grandchildren festive financial gifts this year? Giving them a good start in life by making investments into their future can make all the difference in today’s more complex world. Many parents and grandparents want to help younger members of the family…

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December financial guidance factsheets

All of our December 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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State Pension age rises

For the first time in over a decade, the point at which people can claim a State Pension (the ‘State Pension Age’) is simple. If you have reached your 66th birthday, you can claim it. Otherwise, you cannot. Men and women born between 6 October 1954 and April 5 1960 start receiving their pension on…

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Unbiased’s Financial Adviser of the Year

We are delighted to announce that Truly Independent’s Mary Hemingway has won ‘Financial Adviser of the Year’ at the Unbiased Trusted Professional Awards 2020. When asked about winning the award Mary said, “I am over the moon to receive the Financial Adviser of the Year award from Unbiased. I’m so proud to be a trusted…

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The critical factor

The coronavirus (COVID-19) pandemic has caused many households to reassess their financial defences with the purchase of protection insurance. The diagnosis of a serious illness can mean a very difficult time for your health and your wealth. If you were to become critically ill and could not earn a living, would your family cope financially,…

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Sustainable investing

Retirement planning is one of the most important investments you can make towards your retirement, to ensure you experience the quality of life you want in later years. But millions of retirement savers are unaware that they are sitting on a powerful weapon that could be used to fight climate change and other environmental problems…

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Take control of your retirement plans

An increasing number of people in later life are saving little or nothing for their golden years, instead expecting to fall back on the State Pension. Some people are ‘under-estimating their life expectancy’ which means that the money they do save for retirement will have to stretch further. As millions of people move within a…

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