string(0) ""


Step into Spring and refresh your personal financial planning

As we slowly emerge blinking into the sunlight from winter, and, cautiously from lockdown (data permitting), there is a feeling of new beginnings all around. There’s lots of reasons to be hopeful, with light at the end of, for what has been for many, an exceptionally long tunnel. So, with spring burgeoning, harness that positive energy and kick off the new tax year with a plan to refresh your personal financial planning. Now is both a sensible and practical time to speak with a financial adviser to best consider your post-COVID-19 financial future…

The impact of COVID-19 on personal finances

The last 12 months might have impacted your personal finances in unexpected ways. If your income has been affected, you might have concerns about how to manage your existing financial commitments or whether your future retirement pension pot will now be sufficient. Alternatively, you might have been able to increase your savings during this period and now wish to invest, or you are frustrated with low interest rates and seeking alternative options to make your money work harder for you.

Many families have devastatingly lost loved ones during the last year and this sad news might influence your desire to put in place, or review, your personal insurances and estate planning to protect yourself, your family or your estate. If you have suffered a close bereavement, you might have inherited capital or property which you are unsure what to do with.

We understand every client is different. We always begin by making sure we have a clear understanding of your background and circumstances, to put your needs in the context of your current financial and personal situation. It is only then that we can properly advise on the right solution for you.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

New horizons

Covid-19 has been a catalyst for employers and employees alike to re-examine their position on working from home. This might mean that after 12 months of working off a cramped kitchen table you are thinking that now might be the time to look for a new property; one with the prospect of dedicated home office space. Or, if you no longer need to be tied to a commutable location, your relocation to another part of the country could be looking less like a pipe dream and more like a reality. Or, you might need to review your current mortgage deal to balance out a change in your financial commitments. Whatever your mortgage dilemma or dreams, a financial adviser can scour the entire market on your behalf, to match you with the most suitable and competitive lender and product for your individual circumstances.


Why now is a good time to talk with a personal financial adviser

Why is the start of a tax year a good time to speak with your financial adviser? Firstly, everyone is allocated tax-free allowances each tax year; everything from income, to savings, to pensions, to gifts so you want to make sure you are maximising these. The Chancellor’s newly unveiled budget might also impact your planning for the next few years. A financial expert can help you to understand all of this in the context of your own financial planning, and assist you to navigate your way through this tax year and save you money.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen
Our team is experienced in help our customers to plan their finances and protect the financial security of their families long into the future. We are committed to giving personal, face-to-face and obligation-free financial advice, built around you and your circumstances. If you don’t have a financial adviser please get in touch and chat to us – we’d love to help.


Face to face advice.

  • We talk you through everything step by step
  • How we’re protecting you

Find out more, click here