Our client was recommended to us by a family member who is also a friend of one of our advisers. She had recently split up from her partner, and as part of this they were selling their property and she was relocating, and asked for our advice on a new mortgage. During our initial chat […]
If you die before you’ve taken everything from your pension pot, its value will normally be paid to your beneficiaries, providing that you have nominated them. This could be your spouse, civil partner or long-term unmarried partner, or it could be to your children or grandchildren for example, or even wider family or friends or […]
We wanted to answer some of the most popular pensions questions we get asked by new clients. Of course we can only give general guidance in a short blog, so if you would like to discuss your own specific circumstances, please call the office and make an appointment with one of our advisers. Our first […]
When a marriage ends in divorce, one of the key parts of the legal process is to come to a financial settlement between both parties. In order to achieve this, they will need to declare all their assets. Aside from property, pensions can be one of the biggest financial assets that either party has, especially […]
Are you interested in the idea of using your money to change the world for the better via ethical investing? Since the pandemic and with climate change high on the news agenda more and more people are looking at the ethical aspects of their investments. It is something we are discussing more frequently with clients. […]
When we work with clients we know that helping them with their financial situation is about more than just money. Having finances in order enables clients to achieve their goals, whatever they are. They can support their families and have the peace of mind to be able to focus on other things. We were really […]
The pension market is ever changing, and this year has seen more changes than most as the Covid-19 pandemic affects the financial services industry. Here is an update on some key changes to help you plan your pension arrangements. Has my pension changed in value? At the start of lockdown, stock markets fell considerably and […]
The client Our client approached us as she had received a pre-retirement pack from an old company occupational pension scheme, from a well known high street name. This was for a relatively small plan value, and the pension offered was only £70 a year. Our client asked if we could arrange for her to draw […]
The client One of our long-standing clients approached us for mortgage advice as his product was ending. He was looking to take out a new 5-year fixed rate product. Our solution: mortgage advice We reviewed his options, and looked at suitable products from a number of lenders. The best option for him was to take […]
According to Scottish Widows, in the UK up to six million people each year suffer a life changing event that causes a sudden loss of income. Many more experience events that cause a sudden rise in outgoings. Examples include: Loss of a job Sickness leading to absence from work Becoming a carer to a relative […]