Financial planning consultation

Understanding offset mortgages

With traditional mortgages, you take out a loan from the bank and you make monthly payments which either pay of the interest and a portion of the capital (repayment mortgages) or simply cover the interest with the capital being repaid…

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Painting rooms in the house

Maximising the sales appeal of your home

It may never have occurred to you that selling a home is rather like putting on a play, but actually it’s quite a good analogy.  You will have an audience (viewers) and they will judge your home on what they…

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stacks of coins step thai baht with the vintage clock over the L

Learn to love volatility

People who are not used to being on boats may find that the constant up-and-down motion makes them feel seasick.  Those who are used to boats, however, just accept this movement as a fact of life.  In much the same…

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Businessman Inserting Coin In Save Money Concept On Desk

Evaluating auto enrolment contributions

Appreciating the importance of saving for our later years is absolutely nothing new.  A quick look at the literature of centuries gone by easily shows how long people have valued what we would now call retirement savings.  What has changed,…

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Sound advice for all generations

The more things change, the more they stay the same.  It may be one of the oldest cliches around but, as is so often the case, there’s a lot of truth in it.  In the context of finance, it means…

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Senior couple in sports car

Discussing downsizing

In principle, downsizing in retirement, after any children have flown the nest, is often the most financially-sensible option for many people.  As is so often the case in life, however, there can be a very wide gap between financial theory…

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Lying businessman holding fingers crossed behind his back

2018 – the year so far

On a personal level, you may be wondering where the year has gone and why Christmas seems to start earlier and earlier (with both Selfridges and Tesco beginning their Christmas promotions in August).  To refresh your memory, here is a…

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Retirement Plan Insurance Benefits Healthcare Concept

The latest on auto enrolment

The Pensions Act 2008 laid the grounds for what we now know as auto enrolment and by this point in time it is essentially a fact of life for employers and employees.  As of the start of this tax year,…

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Cheerful senior couple enjoying peaceful nature

Ensuring a comfortable retirement for yourself

Some quiz shows allow contestants to “stop the clock” but in real life, time marches onwards relentlessly and therefore preparing for our later years should be high on the average person’s agenda.  Even if, at the present time, you do…

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Young businessman flying high in sky on umbrella

Choose to be protected

While the UK does have systems in place for protecting those in need, those systems are not necessarily as effective as some people might wish.  Those in paid employment may have an enhanced level of protection via employee benefits, but…

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