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What Are Your Financial New Year Resolutions?


Another New Year has arrived and we’re hoping that 2021 is a better year than 2020 for everyone! For many, a New Year comes with New Year resolutions so we’d like to ask, have you included any finance related resolutions? Perhaps there are some things you have been meaning to review for a while, things […]

Is your deposit enough?


When James and Allison first started renting together, they were determined it would be a temporary move. Fresh out of university, they turned their attention immediately to homeownership, putting away as much of their money as their rent and living costs would allow. Allison had always been careful with my money and imagined with both […]

2020 – The story so far


Little did we know, as we entered a new decade, what was in store for the global economy in 2020. Around the globe, the Covid-19 pandemic has inflicted a huge human cost. The response, and the measures to reduce the spread of the virus have inevitably had a significant impact on global economic activity. A […]

20 Tips to Get Your Finances Ready For 2021


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month, we’re talking about how you can make […]

Mortgage Payment Update November 2020


On 17 November the FCA confirmed guidance for homeowners struggling financially due to coronavirus. The mortgage payment holidays scheme, first announced in March and then extended in May, has been further extended until 31 March 2021. How does it work? Those who have not yet had a payment holiday will be eligible for payment holidays […]

The world is changing – so should your insurance


The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your policy provides adequate cover for your changing needs. […]

ESG: An Ethical Investing Guide


In recent years, responsible or sustainable investing has become an increasingly topical issue within the investment industry. It’s an approach that involves considering not just how companies are managed but other issues too, from the impact they have on the environment to the roles they play in society. Although there’s no standard definition of what […]

Omnis ESG Brochure


In recent years, responsible or sustainable investing has become an increasingly topical issue within the investment industry. It’s an approach that involves considering not just how companies are managed but other issues too, from the impact they have on the environment to the roles they play in society. Although there’s no standard definition of what […]

20 Reasons to Invest in Property In 2020


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about why 2020 could be […]

Mortgage affordability in a post-COVID world


Back in March, the Bank of England slashed interest rates to an all-time low of 0.1%, in a bid to alleviate the severe economic pressure caused by coronavirus. As the base rate cut fed through to mortgage rates and with the continuing pressure of a closed mortgage market, lenders responded by withdrawing mortgage offers, increasing […]

Flexible insurance for when you need it


It’s all too easy for us to put our head in the sand when it comes to thinking about our protection requirements. People tend to find it challenging to engage with the topic as it involves thinking of negative potential scenarios. In reality, this is the reason to put it to the top of your […]

Exchanging contracts? Get insured first


Purchasing a property can be a busy, stressful time and it can seem like there are a million things to remember. Some things however, are more important to remember than others – for example, getting the right insurance in place at the right time. Many people believe that they only need to take out buildings […]

20 Reasons to Find Your Dream Home in 2020


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about how our home buying […]

Are you approaching retirement?


If you are nearing retirement, you may have been particularly worried about the impact of recent market volatility on your pension assets and perhaps you are reassessing your retirement plans. There are several things to consider if you are planning to retire, which will depend very much on your own circumstances. Since pensions freedoms were […]

20 Reasons to Renovate Rather Than Move in 2020


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about why we believe it’s […]

Keep your pension planning on track


The coronavirus outbreak is having a widespread impact across all aspects of our financial life, with many people finding their income reduced. At times like this it can be challenging to stay focused. No matter what age you are, now is not the time to neglect your pension. Try your very best to keep your […]

Life Insurance – Mind the Gap


With policies like home insurance or car insurance, we’re all in the habit of reviewing our cover annually. With a life insurance policy potentially lasting for 20 or 30 years, it goes without saying that over that time, your lifestyle and therefore your cover requirements can change, sometimes substantially. Whenever you mark life’s important milestones, […]

Pension planning for the self-employed


There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we’re all living longer. Saving for a pension when you’re self-employed is not as straightforward as it is for an employed person, who   might   […]

Home improvements to add value to your home


Evidence suggests that many more of us are putting down roots and choosing to stay in our current homes for longer. The average time a homeowner in the UK stays in their property is 21 years. This contrasts with the 1980’s, when a fast-rising property market encouraged a move every eight years on average. However, […]

What are millennials investing in?


It’s seems like every day you see another article in a newspaper about millennials ‘killing industries’ in recent times young people were said to have caused the demise of doorbells, napkins and even breakfast cereal. These tales of millennials bring the end to industries often go viral on social media and bring some interesting responses. […]

Spotlight on Enterprise Investment Schemes and Venture Capital Trusts


Complex tax-efficient investments such as Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCT) are a consideration for those who may be able to tolerate a high level of investment risk. EIS and VCT are investment vehicles which encourage investment in small, unquoted trading companies in their early stages, who are typically trying to raise […]

20 Things You Need To Know About Business Protection


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about everything you need to […]

What is cashflow modelling?


“In this world nothing can be said to be certain, except death and taxes.” Financial planning is all about preparing for those things that may not be so certain (and taxes). Plans should be reviewed regularly so they adapt to changes in your circumstances and reflect developments in the wider economy and financial markets. Cashflow […]

What you need to know about self-build mortgages


If you’re thinking of building your own home, financing the project may be high on your list of priorities. Self-build mortgages are different from normal mortgages. They release funds at stages during the building work, rather than in one lump sum when you complete a property purchase. Some lenders also extend a loan to help […]

20 Reasons to Reduce Your Carbon Footprint Through Remote Working


When you set your goals for 2020, I’d be willing to bet you didn’t imagine the events of the last few months. For many people who have lost loved ones, or have been ill, or have had their jobs or businesses badly affected by Covid-19, it’s been a devastating time. We offer you our sincere […]

20 Things You Need To Know About Accident Protection


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about everything you need to […]

The Bank of…Granny and Grandad?


For many younger people struggling to get a foot on the property ladder, the Bank of Mum and Dad is the only option. With rent taking a huge chunk out of their income and the requirement for increasingly onerous deposits, two in five renters do not believe they will ever be in a position to […]

Protect yourself and your family in 2020


While most of us don’t go through life expecting something bad to happen, the truth is that we never know what’s around the corner. Why not make 2020 the year you put plans in place to safeguard yourself, your family and your home, so that you know you’re protected against life’s unexpected events? When to […]

It’s time to think about life insurance


If you have dependents – people who rely on you financially – then you should have life insurance. In fact, if you have dependents and don’t have life insurance, you are exposing them to grave financial risk. And who would want to do that? Life insurance tends not to feature on ‘to do’ lists because […]

20 Reasons Why You Need Protection


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about insurance and the reasons […]

20 Reasons Why You Should Consider Switching Mortgages RIGHT NOW!


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about how you can save […]

Coming to terms with market turbulence


As a direct consequence of the COVID-19 outbreak, global stock markets are suffering a period of turbulence. When markets move significantly it can prove very challenging to hear through the noise and focus on the bigger picture. Lessons from history Over recent years many investors have become used to a variety of political, financial and […]

Use your ISA Allowance


Statistics show many young people are not using their ISA allowance only 17% of ISA savers are under the age of 35, but half of ISA savers are aged 55. So, what are the options for ISA savers? ISA An ISA is an Individual savings account. It allows you to save tax-free in a cash […]

20 Reasons Why You Should Be Using a Financial Adviser


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about how we can help […]

Spring Budget 2020


Newly appointed Chancellor of the Exchequer, Rishi Sunak, delivered his first Budget on 11 March, against a backdrop of uncertainty following the COVID-19 outbreak and subsequent financial losses. It was the first of two Budgets to be delivered in 2020, with the second to follow in the autumn. COVID-19 and the NHSThe Chancellor wasted no […]

‘Mortgage prisoners’ may be able to remortgage


You may have heard the term ‘mortgage prisoners’ but not know exactly what it is. Mortgage prisoners are those who are trapped in their current mortgage deal and are unable to remortgage or move. The Financial Conduct Authority (FCA) has estimated around 150,000 borrowers are stuck as ‘mortgage prisoners’. Some of the main reasons are […]

More hope for first time buyers with the Help to Buy Extension


Since it was launched in 2013, the popular Help to Buy scheme has enabled almost 170,000 households to buy homes; who may not otherwise have been able to. An extension to the successful scheme was announced in the Autumn 2018 budget, now making it available until 2023 for first time buyers only ‘to ensure future […]

How inflation eats into your returns


Understanding inflation and its impact on your portfolio is important because rising prices can reduce the value of the money you get back from your investments. What is inflation? Inflation is a term used to describe a rise in prices. In the UK, it is measured by the Consumer Prices Index including owner-occupiers’ housing costs […]

You’re not average


What does average look like? Information released by the Office for National Statistics shows the average British man, Mr Average, is 38, will live to 85 and earns £31,103. The average British woman, Ms Average, is 40, will live to 88 and earns £25,308. The LV= risk reality calculator gives you a rough idea of […]

What does Brexit mean for you?


Whichever side of the Brexit debate you have been on, Friday 31 January 2020 undoubtedly marks a momentous point in the country’s history. For at the stroke of 11pm, the UK will cease to be a member of the EU: the divorce will finally have been sealed. It’s clearly been a long and rocky road […]

Does diversification matter?


When it comes to building your investment portfolio, you might have been warned about avoiding putting all your eggs in one basket. It’s wise to spread your money across a range of different investments. That way, if the value of one of them falls, it should have a limited effect on the overall performance of […]

What music do you want played at your funeral?


What music do you want played at your funeral? A quick look at the current top 10 funeral songs turns up some predictable results. ‘My Way’ by Frank Sinatra is favourite, followed by ‘Time to Say Goodbye’ in second place. Another more ironic choice is ‘Always Look on the Bright Side of Life’ from Monty […]

Reviewing your pension contributions


As you approach retirement, you probably want to know when you can afford to stop working. Having worked hard throughout your career you deserve to enjoy your retirement without having to worry about your finances. It may be worth reviewing your pension contributions to make sure you are taking advantage of the incentives offered by […]

Your pension savings, your future options


Why you should consider modernising your pension As well as giving you greater freedom over how you access your savings, there are several other benefits when modernising your pension: —         Take full control of your pension savings —         Choose when and how to draw an income to suit your retirement planning —         Keep your options […]

Where is the happiest place to live?


A new survey has revealed the South West is the happiest place to live in the UK, with Wales coming in as the least happy. The survey by Lloyds Bank and YouGov looked at factors such as: home ownership, salary, household size, knowing your neighbours, loneliness, crime rates, local services and unemployment to create a […]

The electorate has spoken – Conservatives win a majority


The Results Are In Following six weeks of intense campaigning, the result is in. The electorate has delivered its verdict. In Britain’s first December general election in nearly 100 years, the Conservative Party has won a very comfortable majority, soaring past the magic 326 seat mark in the early hours of Friday morning. With the […]

Accidental damage protects against life’s little mishaps


Nobody knows what is around the corner. Accidents can and do happen and the most commonly reported household claim in 2018 was for Accidental Damage. It’s therefore wise to check what is included in your insurance policy to help protect the valuable items in your home. Standard contents insurance usually protects you if you have […]

Don’t slip up this winter


Winter is coming, and with winter comes unexpected weather patterns and more time spent in the home. Both can lead to an increase in accidents, and accidents for you or children can lead to time off work or loss of income. Outside risks It’s not only the obvious factors of slips, trips and falls and […]

Borrowing options in your later years


Retirement is an exciting time; the start of a new chapter in life. Whilst we will have worked, saved and prepared for this moment for a long time, many of us will find we don’t quite have enough money to fund all the things we planned to do. Luckily, there are an increasing number of […]

Crowdfunding the Cost of Healthcare


Crowdfunding is becoming increasingly common among people who need healthcare that’s not freely available through the NHS. The increase is said to be due to access to overseas clinics and high-profile social media campaigns such as the 2014 campaign for Mike Brandon. Websites such as justgiving.com, crowdfunder.co.uk and gofundme.com are full of campaigns from families […]

When Lightning Strikes


In July 2015, Mark received a call from someone telling him his house in County Durham was in flames and that a team of firefighters were currently at the scene. He hung up – first, not quite believing what he’d heard was true – it must be a work colleague playing a prank! But when […]

Relevant Life Plan


Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer. What is a Relevant Life Plan? A Relevant Life Plan is an individual ‘death in service’ life policy that is affected by an employer on […]

The Importance of Trusts


Trusts are usually simple to set up, but it’s important to select the right type of Trust.  What is a Trust? A Trust helps ensure a pay-out goes to the people you’d like to benefit from your protection policy – should the worst happen. As the ‘settler’ (the person who creates the Trust), you can […]

Look Beyond the Price of Your Protection Policy


Most of us celebrate the start of life and pay tribute to the end of life, but are we placing enough importance on everything in between? If we’re lucky we’ll enjoy certain life events like finding a lifelong partner, marriage / civil partnership, having children, enjoying a career and, ultimately, retiring. But how many of […]

The Factors Influencing Your Pensions Choices


Planning the best way to draw your pension savings is not straightforward, after all, there’s no ‘one size fits all’ when it comes to retirement. Life expectancy, the impact of inflation and the choices available at retirement (thanks to the 2015 Pension Freedoms) are all influencing factors in your decision making. You’ll also need to […]

Investing for the Next Generation


In the early years this might translate into a surplus of toys or days out, but this stage eventually passes, and thoughts turn towards the future transition from child to adulthood and beyond. This longer-term perspective raises the question of how best to provide financial support through, what could be an expensive transition and inevitably […]

The Insurance Policy That Could Prove Critical


Some people might be put off buying a critical illness policy because they believe it’s unlikely to pay out, despite the proportion of claims paid by insurers standing at just over 92%. So why is there such a gap between perception and reality among consumers? There have been well-publicised stories in the past where a […]

Take Control of Your Investments


Getting a clear, concise view of your investment portfolio can be difficult and time-consuming. That’s why we use a secure, online system known as a platform. A platform gives you secure, online access to your investment funds with a transparent, easy -to-understand charging structure. So rather than holding your ISAs, pensions and other investments in […]

Income Protection Claims


You might believe you’d be more likely to call on your income protection policy later in your working life, but data from protection insurer, The Exeter, show their average claimant was 40, and on certain products, just 33. Income protection is designed to pay an income if you’re unable to work as a result of […]

How will changing working patterns affect your pension?


The sooner you start saving, the healthier your pension pot is likely to be when you need to draw on it. But what happens to your pension planning if your working hours reduce, or stop? First things firstIf you join a company you may be enrolled into their workplace pension scheme which, in most cases, […]

Is joint life cover best for couples?


If you want to help make sure your loved ones will have financial security if you pass away, life insurance cover is the answer. But, if you’re part of a couple and you both need cover, should you take out single policies, or a joint policy that covers both of you? With a single life […]

Standard Variable Rate


The average homeowner moving from a specific mortgage deal onto their mortgage provider’s Standard Variable Rate (SVR) could save more than £2,500 a year in interest payments simply by re-mortgaging. SVR is the type of mortgage you’re most likely to revert to at the end of an introductory, fixed rate, discount or tracker deal. The […]

Major changes in taxation for owners of buy to let properties


Major changes in taxation for owners of buy to let properties started being phased in over four years from April 2017. If you own buy to let properties, it’s important to take a look at how these gradual changes may affect you in order to avoid any nasty surprises. Of course, every individual situation is […]

Coming to the end of your interest-free equity loan period


The government launched its Help to Buy equity loan in April 2013 and since then 210,964 properties have been bought under the scheme. First-time buyers and people moving to a new-build home worth up to £600,000 have benefited from the scheme, which provides an equity loan of up to 20% of the cost of the […]

Considerations for first-time buyers


Being a first-time buyer can be daunting. Not only are you about to make one of the biggest financial decisions in your life, but you’ll probably also have family members and friends offering their ideas on the right house, mortgage lender, conveyancer and even removal company for you. We’ve put together some ideas to try […]

Practical Ideas for Downsizers


Getting fed up of everyone coming around to yours for Christmas? Or are you rattling round a large house because your kids have grown up and flown the nest? Or perhaps you’ve found a lovely little property in a part of the country you’ve always wanted to live? Whatever your reason for downsizing we’ve got […]

Omnis Market Update


Please see the market update below from Omnis Investments: Omnis Market Update 21st December 2020 Omnis Market Update 14th December 2020 Omnis Market Update 7th December 2020 Omnis Market Update 30th November 2020 Omnis Market Update 23rd November 2020 Omnis Market Update 16th November 2020 Omnis Market Update 9th November 2020 Omnis Market Update 2nd […]

Why you should get mortgage advice


Taking out a mortgage could be one of the biggest financial decisions you’ll need to make in life, so it’s important to get it right. You could ‘go direct’ to find the right mortgage for your circumstances, as long as you’re prepared to spend time and effort scouring a very competitive market for the lender […]

My journey as a first-time buyer


Being a First Time Buyer was daunting to start with, but once I got in touch with an Openwork Adviser, they settled all my nerves and made the process of buying a place to call home incredibly easy. The big decision Before I could look at houses and house prices, I needed to know what […]

Need help to buy?


Do you aspire to own a new-build home? Are you looking to move home, but lack sufficient funds to afford the repayments on a low-deposit mortgage? You may find it easier to join, or move up the property ladder, thanks to the government-backed Help to Buy scheme. There are several schemes currently: Shared Ownership This […]

Do you have a repayment plan for your mortgage in place?


Thousands of people with interest-only mortgages expiring this year do not have a repayment plan – putting their homes at serious risk of repossession.  An estimated 81,400 mortgages will come to an end in 2019, totalling around £9.2bn in value, according to the Financial Conduct Authority. A further 82,100 mortgages worth £9.7bn will mature in 2020. […]

Reviewing your mortgage deal could save you money


On Thursday 2 August 2018 the Bank of England’s Monetary Policy Committee (MPC) raised interest rates by 0.25 from 0.50% to 0.75%. It’s important to regularly review your mortgage, as it can often make sense to transfer to a new deal – or even a different lender. Your decision to transfer will of course depend […]

How much can I pay into my pension?


A pension is a tax-efficient, long-term savings plan that you contribute to during your working life to provide an income when you stop work. You can benefit from tax relief on the contributions you pay in and your pension pot has the potential to grow. At the moment you can save up to £40,000 every […]

Take advantage of a ‘free’ pay rise


You might think pensions are too complicated and you don’t understand them, but the fact is they are a crucial, tax-efficient savings vehicle that can help give enough money to live on in your retirement. Worryingly though, only two thirds of UK adults are currently saving for retirement, and of those many aren’t saving at […]

A global approach to asset allocation


Asset allocation is one of the key tools in our investment proposition to help strike the right balance between risk and reward in your portfolio. It applies to asset classes, such as equities, bonds and cash, and different global regions. The actively-managed Omnis Managed Portfolio Service (OMPS) and our Graphene model portfolios are all globally […]

Financial Well-being in Retirement


Financial well-being is an important factor when it comes to being able to enjoy life. While we’re earning, it’s possible to secure the living standards we want for ourselves and our families, but it’s also important to put some of that income aside to build up your pension fund. Generally speaking, and subject to investment […]

Long-term investors needn’t fear volatility


Finance and business concept. Investment graph and rows growth

You may have read in the press that markets have been particularly volatile in 2018. But what does this mean for your investments? While stories about stock market falls are guaranteed to make headlines, the subsequent rebounds in prices get less coverage; and that’s when the best investors can often make their money. While the […]

Cost of Raising a Child


We all know raising a child can be expensive. Research has shown, the cost of raising a child to age 18 in the UK varies dependant on whether it’s a girl or boy, with boys coming in at £79,176 and girls a staggering £108,884. As a parent you are committed to doing all you can […]

Making the most of your pension savings


Thanks to there being no major changes announced to pensions in the October 2018 Budget you can continue to pay into your pension over the next 12 months without any surprises to knock you off track. This does, however, present a great time for you to review your pension savings. Are you confident you’re saving […]

Confused about pension planning?


With more UK employees saving for their retirement than ever you could argue that Automatic Enrolment has been a success since its launch six years ago. However, research from the Office for National Statistics (ONS) has revealed that many people contributing to their workplace scheme don’t even realise they’re saving for retirement. Auto enrolment emerged […]

The Gender Pension Gap


If you overheard a conversation about the gender gap, you might automatically think about it in terms of pay, given the relatively recent requirement for firms with more than 250 employees to disclose their pay data. What is less well known though is the gender pension gap. In the UK, this is thought be between […]

The Cost of Retirement


pension planning dartford

How much money do you think you’ll need to receive each year of your retirement? According to the investment manager Schroders, working people in the UK aged 55 and over believe this figure would equate to 66% of their current income, but the reality according to UK retirees is actually 53%. Despite the 13% shortfall, […]

Are You Missing Out on the Advantages of Pension Freedoms?


It can seem like we work our entire lives, but retirement comes faster than you think. The average person works around forty five years of their life and then relies on a pension for another twenty five years. That means the money you save towards your pension needs to go a long way. Whether you […]

Women are getting richer than men


According to research women now control 30% of the world’s wealth, up from 25% held five years ago. Women are also expected to see their wealth grow 7% faster than men until 2020, this is a result of women acquiring more wealth through inheritance, but they are also making their own money by becoming entrepreneurs […]

If you became critically ill and unable to work, could you cope financially?


Some things are more reliable than others – monthly bills, for example. Young or old, single or married, we all have financial obligations to meet each month; be it luxuries, like a satellite TV subscription or mobile phone contract, or the real essentials – like keeping a roof over your/your family’s head. But some things […]

The importance of trusts


Trusts are usually simple to set up, but it’s important to select the right type of Trust. What is a Trust? A Trust helps ensure a pay-out goes to the people you’d like to benefit from your protection policy – should the worst happen. As the ‘settler’ (the person who creates the Trust), you can […]

Home improvement


Whether you’re renovating your home because it’s too expensive to move, or you’ve only just bought the place and you’re keen to make your mark, it’s important to stick to jobs that will add value rather than risk reducing its future sale price. Before you embark on improving your home, follow our tips to help […]

Choosing the right type of cover to protect you and your family is important


Act now to ensure you remain protected Making sure you and your family are financially protected should something unexpected happen is one of the most valuable things you can do and will help you avoid a financial crisis. So what type of cover is right for you?   Term Insurance pays out a lump sum […]

The value of protection advice


Protection should be considered as the foundation of all financial planning. After all, if things go awry and you suddenly find yourself in dire financial straits, who or what could you rely on to keep you and your family afloat? Yet many of us are still reluctant to take out protection insurance, either because we […]

Deadline to Breadline


For its latest ‘Deadline to Breadline’ report, Legal and General surveyed 2,000 full and part-time workers to assess how long they could survive on savings if their income stopped due to serious, or long-term illness, or death. The rather worrying answer was 32 days.  The research also revealed that just over a quarter wouldn’t have […]

How to prepare financially for long-term illness


While British life expectancy continues to rise, the same might not be said for the quality of health we could expect to enjoy as we get older, according to a stark warning from The British Heart Foundation. Their analysis suggests the number of people suffering heart attacks and stroke because of a rise in diabetes […]

How a trust can help your financial planning


Writing a policy in Trust could be perceived as something that only the wealthy require, but the reality is Trusts can play an important part in financial planning for people from all walks of life. When it comes to planning your family’s financial future it makes sense to take all steps possible to help protect […]

Become a Superhero in the eyes of our family


When he was younger one of my son’s favourite questions was; “if you could have any super power, what would it be?” He loved the idea of being a Superhero. I think, deep down, we all like the idea of being a Superhero. Being able to do things others can’t; amazing things to help those […]

Savers in the dark about their pension


Are you among the 30.4 million working-age people who don’t know if their pension pot will be big enough to afford a comfortable lifestyle in retirement? According to a report by the Pension and Lifetime Savings Association (PLSA), some of the blame for this worrying statistic could be down to simply not knowing how much […]

Self-Employed lack protection


Just 4% of self-employed workers have income protection in place, leaving the majority vulnerable to financial difficulties if they are suddenly forced to stop working through illness or accident. In its survey of more than 9,000 adults, LV= identified the self-employed as a niche group who would struggle to make ends meet if they stopped […]

What’s stopping you from saving?


Generally speaking, and subject to investment charges and performance, the more you save and the earlier you start saving the better shape your finances are going to be in when you need to draw on them. So why is it then that many of us are reluctant to put money aside for a rainy day, […]

The Importance of Life Cover for You and Your Family


Life cover, sometimes referred to as life insurance cover, is a simple way to make sure that in the event of your death, your family and loved ones are taken care of. When buying a life cover policy, you can choose the amount of coverage you need, the length of the policy, and whether you […]

The value of investment advice


Let’s be honest. Seeking advice on how to look after your money may not be as fun as the immediate thrill of spending it, but it could be a rewarding decision in the long run. Research published last summer by the International Longevity Centre for Royal London found that those who received financial advice in […]

What’s the point of a property survey?


You’re not bound by law to have a survey done on a property you’re buying, but while it may feel like an unnecessary expense given all the other costs involved in home-buying, it could actually save money and stress in the longer-term. A survey is basically a health check on a property. If the property […]

Is your Help to Buy deal ending?


Since its launch in April 2013 more than 145,000 properties have been bought using the Help to Buy Equity Loan scheme. Five years on and the interest-free element of the loan is due to end, with homeowners potentially facing expensive fees. The Help to Buy Equity Loan scheme was aimed at helping more first-time buyers […]