Start the conversation: Why financial planning with older relatives matters Discussing finances with older relatives can feel daunting, yet it’s a vital conversation for everyone involved. Many families avoid these talks out of discomfort, yet addressing financial matters early can prevent misunderstandings and reduce future stress. Understanding their financial situation and identifying potential gaps build…
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A fundamental aspect of prudent financial planning Whether you’re nearing retirement or seeking to boost your current income, building a portfolio that generates steady returns is a fundamental aspect of prudent financial planning. For most investors, the aim is to create an income stream that is not only dependable but also flexible to changing financial…
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Why waiting for the ‘perfect’ moment in the market might cause you to miss valuable opportunities Deciding when to start investing can feel daunting. Many believe they must be an expert or have a large sum of money saved in advance. The truth is, the right moment to invest is often sooner than you realise.…
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Are you sleepwalking into a crisis? Some freelancers are neglecting their financial future, according to new research: nearly two-thirds of self-employed and freelancers are failing to save enough for retirement. The findings reveal that a significant proportion of this workforce are not prioritising their financial future, leaving them vulnerable in later life. While the freedom…
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Making informed decisions to secure your financial future Receiving an inheritance can be a life-changing moment, often accompanied by a mix of emotions. While it may provide financial security or the means to realise long-held dreams, it can also bring uncertainty about how best to manage this newfound wealth. For many, the responsibility of making…
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Your financial wellbeing in later life starts with early preparation Thinking about care in your later years may seem premature, especially if you are currently fit and healthy. However, with average life expectancy in the UK continuing to rise, the likelihood of needing some formof care support increases significantly. It is estimated that one in…
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Why you should act now: Have you used your allowances before 6 April 2026? With the 2025/26 tax year-end fast approaching, now is the time to act. Waiting until the last minute could mean missing out on valuable allowances that can boost your finances and save you money. We’ve all been there, scrambling to meet…
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Truly Independent recently brought together advisers, staff and guests at its latest Affinity Event, with a shared focus on supporting The Buddy Bag Foundation and the vital work they carry out across the UK. Through the generosity of those in attendance, a total of £1,450 was raised during the event. This enabled the purchase, packing…
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Half of UK workers see income protection as vital, yet only 27% have it Recent research reveals a striking insight. 50% of the UK’s working population believes they would feel more financially resilient with income protection insurance. This type of cover is specifically designedto provide financial support if you’re unable to work due to illness…
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The March/April edition of TIPS Magazine is now available! Filled with insightful articles, industry updates, and financial topics, TIPS Magazine explores a variety of subjects that matter to you. From planning for the future and understanding market trends to staying informed about key financial considerations, each issue is designed to keep you engaged and up…
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Reducing your estate’s Inheritance Tax liability for your loved ones Considering the later years of your life is an essential part of financial planning, especially when it involves how your assets will be distributed after you pass away. Many people think about gifting their dependents or family members an early inheritance. However, this requires careful…
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The inevitable shift in the approach to intergenerational wealth transfer Pension savers intending to pass on their retirement funds to loved ones received unwelcome news following announcements in the 2024 Budget. The Chancellor revealed that pensions will soon be subject to Inheritance Tax (IHT), marking a significant change from previous rules that usually protected pension…
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