Truly Independent nominated as a finalist for two Professional Adviser Awards 2018

We are delighted to be a nominated finalist in the Professional Adviser Awards 2018 for the categories ‘Best Support Services for Advisers’ and ‘Best Adviser Website’. Last year, more than 200 advisers, firms and providers were under consideration for the awards, which seek to reward excellence within both the financial advice community and among the…

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What to do With Your Pension Savings

Deciding what to do with pension savings – even if you’re still working. It may seem like a far-off prospect, but knowing how you can access your pension pot can help you understand how best to build for the future you want when you retire. On 6 April 2015, the Government introduced major changes to…

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Generous Grandparents

The bank that likes to say ‘yes’ Forget the Lamborghini – 2.4 million UK Grandparents [1] have either raided their pension to support their grandchildren or plan to in the future. According to research from LV=, a quarter of generous grandparents who have already given away money to their grandchildren [2] have taken the funds…

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Keeping Target Retirement Plans on Track

Most over 45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on…

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2018/19 Tax Changes

New initiatives you need to know from the 2018/19 tax changes. It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for…

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Why being over 40 is the new mid 20s

Healthier lifestyles and feeling happier about financial planning for retirement. An increasing number of middle-aged Britons are getting healthier as they exercise more and eat better than they did when they were younger. Over 40s are turning to healthier lifestyles, with more than half rating themselves as more health-conscious than they were in their mid…

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What Will Influence Your Retirement Income Needs?

Retirement is a time for you to do the things you’ve always wanted. When considering your retirement income needs, you need to consider the types of events you would like to happen after you retire that may impact your budget. Thinking about these early could help you when you’re deciding the best way to take…

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Financial Fitness

Time to track and celebrate your wealth goals? With the Christmas festivities now a distant memory, money matters are firmly on people’s minds this year according to recent research (1). A poll of more than 3,500 UK adults (2) found the most common money goals are: putting more money into their savings accounts (21%); paying…

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Beware of the Scammers

Fraudsters employ increasingly advanced psychological tactics to persuade victims to invest. An estimated £1.2bn is lost to investment scams each year, with share sales, wine investments, land banking and carbon credits commonly used by fraudsters to target potential investors. A recent study by Citizen’s Advice found nine out of ten people would fail to spot common warning…

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Establishing Your Financial Goals

Gathering information and developing your strategy Evaluating your goals in greater depth is essential if you want to get a picture of your responsibilities and aspirations. With a full understanding of your circumstances and priorities, we’ll provide you with advice that is custom-tailored to suit your specific lifestyle goals, and together you can develop a strategy based on your personal circumstances. CASH…

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Understanding Investment Risk

Making informed decisions to improve your chances of achieving your financial goals If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Risk is the…

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Wealth Preservation

Reducing Inheritance Tax means taking action now. Without professional advice and careful financial planning, HM Revenue & Customs (HMRC) can become the single largest beneficiary of your estate following your death. A survey about Inheritance Tax [1] shows that wealthy Britons over the age of 45 are either ignoring estate planning solutions or they have…

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Guide to Stock Market Turbulence

Don’t let global uncertainties affect your financial planning for the years ahead. The overall direction of developed stock markets is a relentless and continual rise in value over the very long term, punctuated by falls. It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns,…

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