In the age of the app why bother with a financial adviser?

Because DIY is not always the easy option

Independent Financial Advice, but how independent is independent?

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Financial Planning

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If you have funds to invest for growth or income, we can help your money work harder and do good things. We always recommend ethical, sustainable and positive impact investments.

Pensions 

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planning

Finding pensions, especially your pensions, confusing? Realised you need to get organised before it’s too late? Let us tell you when and how you can stop or slow down.

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Sometimes in life, you can get overwhelmed by circumstances. To have Philip there, whom I felt i could 100% rely on with my finances was such a great comfort and a worry lifted.

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News & Views

An independent
(financial adviser’s) view

“Reeves backs down on plans to cut ISA limit”

“Reeves backs down on plans to cut ISA limit”

So it looks as though Cash ISAs are safe for the moment (FTM – is that a thing?) Rachel has apparently ‘bowed to pressure’ from the banks and building societies and decided not to reduce the allowance to £4,000 for cash and to keep the £20,000 parity with Stocks and Shares ISAs. Bowed also to common sense, I’d say.

“Two thirds of adults are worried about care costs in later life”

“Two thirds of adults are worried about care costs in later life”

A dichotomy/dilemma here. Two thirds of adults are probably right to be worried about the cost of care, which is huge and getting more so. Many of those currently worrying will have had first-hand experience with their own parents, which will have focused their minds on their own possible future.

“Why most won’t need to worry about IHT on pensions”

“Why most won’t need to worry about IHT on pensions”

Many a government has made the point that only a minority will be affected by this or that tax change or tinker. It is, however, both perception and aspiration which are important, and they are what makes IHT the ‘most hated’ of all taxes – along with all the others, of course.