Average standard variable rate reaches a 13-year high. Is it time you looked for a new mortgage deal?
If a previous mortgage deal has ended and you’ve not taken out a new one, you could be paying a much higher…
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7 essential money lessons your children need to know before they go to university
The day that you send your child or grandchild off to university can bring up mixed feelings. There’s pride and joy at…
Women are investing earlier than men, and it could close the wealth gap
The gender wealth gap is a widely acknowledged issue in the UK, particularly in the context of pension savings and women’s ability…
Taking care of your investments – Rate hikes and recession warnings
With price inflation running presently at 9.4% in the UK, it was no surprise that the Bank of England ( BoE) ‘went…
5 crucial things you need to consider when reviewing your estate plan
If you have an estate plan, you shouldn’t simply forget about it. Instead, regular reviews can help ensure it continues to reflect…
5 important things to check this Pension Awareness Day.
If you’re guilty of ignoring your pension, a review ahead of Pension Awareness Day on 15 September can help make sure you’re…
Equity release: Here’s why the right to make repayments could cut the cost of borrowing
A new right to make repayments for equity release customers could make the cost of borrowing more affordable. Find out what it…
10 useful tips for getting your home ready to put on the property market
You don’t need to invest huge sums to make your home more appealing to prospective buyers. Some steps like a deep clean…
5 compelling reasons why you should share a financial planner with your family
A third of advised families share the same financial planner. It can help your family reduce your tax bill and reach shared…
ESG investing faces “greenwashing” criticism, but it could be a good thing for the sector
ESG investments are facing criticism over “greenwashing”. While it could harm perceptions, it could also give the sector a push to make…
1 in 10 accessing their pension do so to pay off debt. Here’s what you need to consider
Data suggests that some people are accessing their pension tax-free cash to pay off debt. While this can be useful, if it’s…
How delaying retirement could help you maintain your standard of living as inflation rises
As inflation rises, you may be worried about what it means for your retirement. Delaying your plans by a few years could…
National Insurance threshold change from 6 July 2022
Following the announcement in the spring that the National Insurance (NI) threshold will increase for the 2022/23 tax year, HMRC has updated…
Do you have a poor credit score? It doesn’t mean home ownership is out of reach
A poor credit score can make buying a home more difficult, but it doesn’t automatically mean you’ll be rejected when applying for…
8 useful questions to ask when you’re viewing a property
When you’re looking for a new home, viewing properties can be overwhelming and you may forget to ask important questions. This list…
Young investors are championing the “S” in ESG investing, so what does it mean?
A survey has found that young investors considering ESG factors are most concerned about social issues. It could lead to a shift…
Trustees, here is what you need to know about the Trust Registration Service deadline
Many UK trusts and some non-UK trusts need to be registered with the Trust Registration Service by 1 September 2022. If you’re…
8 key tax allowances have shrunk by 6% in the last decade
Over the last decade, key tax allowances have been reduced. It means you could be paying more tax, so it’s vital that…
Two-thirds of retirees are planning a flexible retirement, but many don’t understand the potential tax implications
More people are planning a flexible retirement where they continue to work in some form. It can help your income go further…
The 3 different types of mortgages and what they mean for your interest rate
If you’re looking for a new mortgage, you need to understand the difference between the three main types. It could affect how…
3 useful mortgages you can use to help your child get on the property ladder without gifting a deposit
The Bank of Mum and Dad has become an essential part of the property market. If you can’t gift a deposit, there…
8 essential finance lessons you should teach teenagers as 72% say they want more financial education
Research shows the majority of teenagers want to learn more about personal finance topics like mortgages and pensions. Here are eight lessons…
Investment funds: How do they work and how they could play an important role in your portfolio?
Investment funds are a popular way to invest and can make sense as part of your financial plan. If you’re not sure…
Misconceptions mean that 40% of homeowners don’t have life insurance
Life insurance could provide your family with financial security if you pass away. Yet, a survey suggests that many homeowners aren’t covered…
4 valuable pension lessons younger generations can learn from the regrets of the over-50s
A survey of over-50s has highlighted that many wish they’d started a pension earlier and saved more. Younger generations can learn from…
What is a mortgage in principle, and how can it help prospective buyers?
Securing a mortgage is a hugely important step in the house-buying process. Read how a mortgage in principle could help you get…
6 insightful figures that highlight the challenges first-time buyers are facing
First-time buyers are facing more challenges than ever as property prices soar and competition rises. These six statistics highlight some of the…
3 interesting pieces of data that show why you shouldn’t panic during market volatility
During times of uncertainty, it can be tempting to make changes to your investments. However, data suggests that holding tight and sticking…
Half of workers would choose a “green” pension and it could lead to ESG investments soaring
21 million people would consider moving their pension to a “green” fund if it was an option offered by their scheme. With…
Why it pays to use your 2022/23 ISA allowance right now
While you may be tempted to leave using your annual ISA allowance until the end of the tax year, using it now…
Your older pensions could be delivering “poor value for money”, and it could cost you thousands of pounds
If you have pensions from the 1990s or 2000s, the fees you’re paying could be delivering “poor value for money”, research suggests.…
The recent Okta breach in the United States has not affected Pembroke clients
You may have read in the press about a recent Okta breach in the U.S, so I want to reassure you this…
Investment market update: February 2022
Tensions in Europe and the invasion of Ukraine affected stock markets around the world. Here’s your investment market update with all the…
Interest rates are rising. What does it mean for your mortgage?
The Bank of England has increased interest rates twice since December 2021. If you’re a mortgage holder, it may affect your monthly…
Pembroke Financial Welcomes Seb Lewis to the Team
Pembroke Financial Services are absolutely delighted to announce the arrival of Seb Lewis as the latest addition to our thirteen strong financial…
5 practical questions to answer when you move up the property ladder
If you’re ready to move up the property ladder, understanding your mortgage needs and the cost of moving can help make the…
The ESG investment trends to watch out for this year
The pandemic and the climate conference in 2021 are driving some of the key ESG investment trends this year, including net zero…
Inheritance Tax receipts rise again. What can you do to minimise the bill?
The amount of Inheritance Tax paid has increased and a freeze on allowances means it will affect more families in the future.…
A quarter of retirees are relying on an inheritance. Here’s why you shouldn’t
Research shows that millions of people in the UK are relying on an inheritance to pay for their retirement. It could mean…
3 tips to manage your concern in an uncertain time
It’s been an uncertain start to 2022 for the global economy. Here’s some useful information, and three tips for managing your anxiety…
10 tips if you’re taking on a property project
If you’ve purchased a property that needs work completing or you want to renovate your home, these tips could help you plan…
5 reasons your mortgage application for a flat could be rejected
Figures suggest that demand for flats is on the rise. If they’re something you’re thinking about, you should be aware of these…
ASNP Sponsored Family Walk Target Almost Reached!
Please help us achieve our target for our Family Walk for Adur Special Needs Project (ASNP).
8 in 10 cancer patients suffer a financial hit. Here’s how protection policies can offer security
Research suggests that 83% of cancer patients experience some kind of financial impact from their diagnosis. This may be reduced income or…
8 things to do to give your finances a spring clean
As spring approaches, now is the perfect time to review your finances and assets. This can help make sure the steps you’re…
Half admit to making impulsive, emotional investment decisions, and many go on to regret it
Have emotions ever influenced an investment decision you’ve made? If so, you’re not alone, but impulsive decisions can lead to regret and…
Adur Special Needs Project Sponsored Family Walk
Adur Special Needs Project’s first fund raising venture of this kind, and our team will walk either the five or the 10-mile…
Pension drawdown: Are you taking a sustainable income?
Research suggests that some retirees are taking unsustainable sums from their pensions. It could mean they run out of money in retirement,…
Why do people use equity release, and is it an option you should consider?
Equity release is becoming a popular way for people to fund their later years, and it could give your finances a significant…
Long-term fixed mortgages are now on offer, but are they a good choice for you?
Long-term mortgages with a fixed rate are now on offer. They can provide homebuyers with peace of mind, but there are drawbacks…
59% of people say the pandemic has made them question their priorities. Has it affected your plans?
If the pandemic has affected your plans, you’re not alone. Covid-19 has led to more people thinking about what’s important to them…
Why now is the perfect time to start thinking about the end of the tax year
While it might seem some way off, preparing for the end of the tax year now can help you make the most…
The majority of divorcees are overlooking pensions and it could leave them financially vulnerable
The law changed in 2000 to allow pensions to be split during a divorce or dissolution. Yet, just 1 in 8 couples…
Investment market update: December 2021
As 2021 drew to a close, high levels of inflation, supply chain issues, and the challenges of a new Covid-19 variant affected…
7 new year resolutions that could improve your financial wellbeing
Financial Planning, Pembroke Financial News, Wellbeing, Financial Future, New Year, Financial Advice
This year, making a new year resolution that considers your long-term financial wellbeing could have a positive impact far beyond 2022.
2 ways you can reduce your monthly mortgage payments
If you’re looking for a way to reduce household expenses, there are some steps you can take to cut your mortgage repayments.
COP26: What does the outcome mean for investors?
COP26 took place in Glasgow in November and set the global climate change agenda. Find out how it could affect investments here.
Spend, save, or invest: What should you do with your child’s Christmas money?
If your children will receive money this Christmas, it can be an excellent way to teach money skills, from the value of…
Do you have realistic investment expectations?
When you’re investing, it’s important that you set out realistic expectations to create an accurate plan and to spot potential scams.
The pension gap: Life expectancy means women need to save more for retirement
Women need to save an extra £185,000 in their pension to close the gender gap and ensure they have enough for their…
5 retirement challenges you could face and what to do about them
A new survey has highlighted some of the biggest challenges that those planning their retirement could face. Understanding these obstacles now can…
What does rising inflation mean for mortgage holders?
With inflation rising, the Bank of England could increase interest rates to reduce the impact. If you’re a mortgage holder, it may…
Do you have more than £10,000 in cash? You could be missing out on investment returns
If you hold more than £10,000 in a cash account, you could be missing out on potential growth and the value of…
How a life insurance policy could help you preserve an inheritance for loved ones
If your estate could be liable for Inheritance Tax, taking out an appropriate life insurance policy could help your loved ones pay…
Dividend Tax rate rise: Could it affect you?
The Chancellor has announced a Dividend Tax hike. Find out if it affects you and what steps you can take to reduce…
More people plan to work past traditional retirement age. Here’s what they need to consider
More people are expected to work past State Pension Age by 2030. Work can provide a sense of purpose and boost your…
Generation X is looking forward to life’s small pleasures in retirement, but are in the dark about the cost
Pension, Retirement Planning, Savings, Financial Planning, Pembroke Financial News, Pension Planning, Pensions
Research finds that Generation X is looking forward to life’s small pleasures in retirement, like socialising with family and friends more. To…
Everything you need to know about the 2021 Autumn Budget
Rishi Sunak has delivered the 2021 Autumn Budget. Here’s everything you need to know about the chancellor’s announcements and what they mean…
10 tips for travelling sustainably in 2022
If you’re looking at holidays for next year, a few small adjustments could make your trip more sustainable and support the local…
First-time buyers turn to longer mortgages, but the total interest paid could soar
First-time buyers are turning to longer mortgages to make homeownership more affordable. But it could mean paying thousands of pounds extra in…
5 behavioural biases that lead to investment mistakes
Unconscious decisions and emotions can affect your investment decisions. Recognising some of the most common financial biases can help you reduce their…
Why you should consider involving your family in your financial plan
Financial planning is often something you do alone or with a partner. But, at times, including your wider family in the process…
7 steps to take when you receive an inheritance to make the most of it
Receiving an inheritance can be life-changing. But it can also be overwhelming and you may not know where to start when deciding…
Consolidation: Why it could help you beat the challenge of keeping track of pensions
Auto-enrolment and regular job switching mean the average worker will have multiple pensions. Consolidation could make it easier to manage your retirement…
Equity release: As house prices soar, here’s what you need to consider first
£1.17 billion of property wealth has been unlocked through equity release. However, it’s important to weigh up the pros and cons, as…
Income Tax doubles since 2000 – here are 2 allowances to help your money go further
In the last 20 years, the amount of Income Tax paid has doubled. With tax bands frozen until 2026, you could find…
After 2 “once in a lifetime” economic events in 12 years, how can you protect your assets?
In the space of just 12 years, investors have experienced two economic events that have caused volatility. What steps can you take…
Good Money Week: The beginner’s guide to “ethical” money
Good Money Week is approaching and aims to raise awareness of ethical finances. Find out what that means and the steps you…
When can you access your pension? It might be further away than you think
The age you can access defined contribution pensions is rising from 2028, which could affect your retirement plans.
National Insurance and Dividend Tax rise as government suspends State Pension triple lock
The government has announced a National Insurance and Dividend Tax rise and suspended the State Pension triple lock. Here is what you…
Why switching to a sustainable pension is the best thing you can do to tackle climate change
A sustainable pension could prove to be an environmentally friendly alternative to your standard pension. Read about whether an ESG pension is…
The millennial generation and wealth transfer paves the way for ESG investing boom
Millennials are the generation most likely to consider ESG issues when investing. With wealth set to pass to them in the coming…
Why interest rates could start to rise in 2022 and what it means for your mortgage
After more than a decade of low interest rates, they could start to rise. While good news for savers, it could affect…
Market shocks present reasons not to invest but you could miss out
Greater access to the news means it often seems like there’s a reason not to invest. But over the long term, investors…
Why rising house prices could mean you need to reconsider your Inheritance Tax plan
House prices have soared and could mean that you’re nearing the Inheritance Tax threshold. Taking a proactive approach can help you reduce…
Should you take a tax-free lump sum from your pension to celebrate retirement in style?
If you’re nearing retirement age, you may be thinking about taking a tax-free lump sum from your pension. While it can be…
7 things you need to do this Pension Awareness Day
Ahead of Pension Awareness Day, there are some things you can do to make sure your pension is on track to deliver…
5 excuses for not seeking financial advice, and why they’re wrong
Research suggests 9.4 million Brits aren’t seeking financial advice despite being open to the idea of it. For some, misconceptions, like that…
Life after lockdown: What do you want to achieve?
As lockdown restrictions lift, now is a great time to start thinking about what you want to achieve next year and setting…
What does the end of the Stamp Duty holiday mean for the property market?
The Stamp Duty holiday will end in October. After record-high property prices in June, reports suggest prices could start to fall but…
Can you still earn an income from investments in 2021?
The pandemic means many companies have slashed dividends. If you rely on investments to create an income stream, don’t panic – there…
The gender pay gap: How it goes beyond salaries and affects retirement
While steps have been taken to close the gender pay gap, it’s still having a huge impact on pension and the financial…
How compounding could help younger generations become a pension millionaire
Retiring with a £1 million pension can seem like an impossible challenge for young workers. Yet, with the benefits of compounding, it…
4 things parents can do to help children secure a mortgage and financial security
As younger generations struggle to secure a mortgage, you may want to provide support as a parent. There’s more than one way…
Investment market update: May 2021
Signs continue to point towards economic growth as Covid-19 restrictions lift. However, businesses and economies continue to face challenges, including rising inflation…
What is shareholder protection and why is it important for business owners?
If a shareholder passed away or became ill, what would happen to your business? It can present challenges, but a shareholder protection…
What you need to know if you’re a Power of Attorney
If you’ve been named as a Power of Attorney, it can be daunting. Find out what you need to know and what…
Over 55s planning once in a lifetime experiences, but could finances hold back aspirations?
Research finds that over 55s are planning to tick off bucket list items as Covid-19 restrictions lift, but some say their finances…
Retiring in 2021? Planning is key as two-thirds risk depleting their pension savings
Retirement Planning, Savings, Financial Planning, Pembroke Financial News, Pension Planning, Pension
Research suggests that two-thirds of retirees risk running out of money. As well as understanding what income your pension will provide, there…
World Environment Day: Why restoring ecosystems is important
The theme for this year’s World Environment Day is ecosystems. The protection and restoration of ecosystems is a huge task, but one…
Equity release: As property values soar, could your home help fund your later life?
As property wealth climbs to £6 trillion, more people are using equity release to access this wealth in retirement. It could boost…
Covid-19 spurs more people to seek financial advice, but it’s not just for times of crisis
Half of UK adults say Covid-19 has prompted them to seek financial advice. However, long-term financial planning can mean families are more…
5 financial steps new parents should take to protect their family
If you’re a new parent, taking these five financial steps can help provide security for your family now and in the long…
5 reasons why Generation X need to engage with their pension to achieve security in retirement
While retirement may be some way off for Generation X, changes to pensions, lifestyle and the State Pension means they need to…
How inflation can reduce your pension and what you can do about it
One overlooked retirement risk is inflation. Without careful planning, inflation can mean your retirement savings don’t go as far in your later…
10 books to fall in love with from the British Book Awards 2021 shortlist
Britain has a long history of fantastic storytellers, and a new generation of authors have filled this year’s British Book Awards shortlist…
7 things to consider when choosing your mortgage
Whether you’re a first-time buyer or already a homeowner, choosing the right mortgage product for you is important. We explain some of…
Employee benefits that self-employed workers miss out on, and how to bridge the gap
Research shows that self-employed workers are missing out on almost £10,000 worth of benefits every year. However, you can take steps to…
Job market changes present retirement challenges for young workers
While young workers are thinking about pensions and retirement, changes to employment trends mean they’re likely to face different challenges. By thinking…
5 reasons to switch pension providers to boost your retirement savings (and 3 things to do first)
Most pension savers simply pay into the pension their employer has chosen. But you may want to switch – it could save…
Pension Lifetime Allowance is frozen until 2026: Will it mean your retirement tax bill soars?
The Lifetime Allowance is frozen until 2026. Exceeding the threshold could mean you pay more tax when you start taking an income…
Relief for savers as “tax day” sees government announce no significant tax reforms
There was great news for savers today as personal finances were largely untouched by reforms announced on “tax day”. Here’s your summary…
What would an alternative to Stamp Duty look like?
The chancellor is facing calls to scrap Stamp Duty. While it’s an unpopular tax, it’s likely some alternative would needed as residential…
First-time buyers, have you considered financial protection? The risk could be higher than you think
Financial Advice, Financial Planning, Pembroke Financial News, First Time Buyers, Insurance, Protection
Taking out a mortgage is a huge financial commitment and creating a safety net to ensure you can pay if something unexpected…
How has Covid-19 affected ESG investing? Signs suggest it could become mainstream
While there were concerns that Covid-19 would have a negative impact on ESG investing, reports suggest the opposite is true. More money…
5 steps to take for successful business succession planning to prime your firm for growth
If you’re a business owner, succession planning can help you nurture talent within your business and provide security.
Why planning for the 2021/22 tax year now is a fantastic idea
Investment, Financial Planning, Pembroke Financial News, Tax Year End, Financial Future, Tax Planning
Have you thought about how you’ll make use of allowances and tax breaks in 2021/22? If you haven’t, you’re not alone, but…
10 practical financial spring cleaning tips to boost your savings
The days are getting longer and it’s the perfect time to review your finances to make sure everything is on track.
Budget 2021 – The winners and losers
The measures announced in the Chancellor’s speech today will affect millions of people across the country. Here’s your look at the Budget…
Your 2021 Budget summary
Today, the Chancellor delivered his second Budget. Here’s your summary of the main points announced by Rishi Sunak in his Budget speech.
International Day of Happiness: 5 reasons to be optimistic
In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there are signs…
Will house prices rise or fall in 2021?
Despite economic uncertainty, house prices increased in 2020. However, rising unemployment and the end of the Stamp Duty holiday mean a fall…
43% of savers and investors don’t know where to find advice
More than four in ten people don’t know where to seek financial advice and it could mean they’re missing out on opportunities.…
FTSE 100 suffers worst year since 2008 but your portfolio may still have gained
The FTSE 100 suffered its worst performance since the 2008 financial crisis in 2020. Yet, that doesn’t mean your overall investment portfolio…
Capital Gains Tax review: 2 things that could change
The government is currently reviewing Capital Gains Tax. It could mean that the allowances or tax bands change, potentially affecting your tax…
Pembroke Financial Money Wise Winter 2021 newsletter
In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there are signs…
6 tax allowances to use before 5 April 2021 to boost your finances
The current tax year ends on 5 April 2021. Some allowances will reset after this date. Making use of them before the…
5 tips for ‘switching off’ when you’re working from home
Four in ten employees say they find it hard to switch off when they stop working. It’s something more workers are finding…
7 mortgage tips that could save you money in 2021
Reviewing your mortgage and options now could save you money in 2021 and over the rest of your mortgage term. Here are…
Protecting your business: What you need to know about key person insurance
Just one in five SMEs protect their business by taking out key person insurance. It’s a product that can provide peace of…
Financial health check: How do you score?
Financial Planning, Pembroke Financial Services, Pembroke Financial News, Wellbeing, Financial Future, Financial Advice
77% of Brits define financial success as not having to worry about money. However, many aren’t taking steps to prepare for the…
Have you prepared emotionally for retirement?
When approaching retirement, it’s common to organise your pension and other financial areas. But it’s just as important to consider your lifestyle…
Pension gap: How can women improve their security in retirement?
Women are retiring with £100,000 less in their pensions on average when compared to men despite progress. However, there are steps women…
7 tips for sticking to your new year’s resolution
Are you planning to make a new year’s resolution for 2021? It’s difficult to stick to plans and stay on track. These…
How to beat the Stamp Duty holiday deadline
If you’re thinking of moving home, beating the Stamp Duty holiday deadline at the end of March 2021 could save you up…
Research finds that Brits are worryingly exposed to financial shocks
While Brits are good at managing their day-to-day finances, many are overlooking planning for the unexpected. This could leave families worryingly exposed…
What has 2020 taught us about investing?
Covid-19 has meant stocks markets in 2020 have experienced volatility, but it’s taught us many valuable investment lessons too. Read our blog…
The pension basics everyone needs to know
Research has found seven in ten people don’t fully understand how their pension works. We explain the basics that you need to…
New year’s resolutions to improve your finances
New year is the perfect time to get your finances in order. If you want a healthier financial future, here are five…
Half of workers planning a career change in the coming months due to Covid-19
Research suggests that half of workers are planning a career change in the next 12 months, from retraining to work in a…
Your 2020 Spending Review summary
Find out more about the announcements Rishi Sunak has made as part of the Spending Review and what they could mean for…
6 reasons to use a mortgage broker
When searching for a mortgage, you may be thinking about finding one by yourself. But working with a mortgage broker does add…
Why financial lessons are important for children and teens
While financial education is now taught in schools, young people are still reaching adulthood with gaps in their knowledge. The good news…
Balancing investment risk and reward: What should you consider?
All investments come with risks, but how is this linked to the rewards? Our blog explains what you need to consider when…
Underestimating the amount you need in retirement: How a mid-life check can help
Two-thirds of those aged 50 to 65 are under saving for retirement. Reviewing your pensions while still working can help you get…
Are you taking an unsustainable amount from your pension?
Figures suggest four in ten people may be taking an unsustainable income from their pension, potentially leading to financial insecurity later in…
7 signs your work-life balance could benefit from an adjustment
Our working life can spill into personal life and affect our wellbeing, but it’s not always easy to spot when it’s happening…
Millennials struggle with homeownership: 5 things that could help
71% of millennials are worried they will never be able to buy a home as property prices continue to rise. However, some…
How the surge in house prices could affect securing a mortgage
Pent up demand following lockdown means house prices have increased 5.2% year-on-year. It could present challenges for first-time buyers, but those planning…
Accessing a Child Trust Fund: What are the options?
Those that turned 18 in September were the first teenagers to be able to access their Child Trust Fund. If your child…
Good Money Week: ESG and investment sustainability
With Good Money Week celebrated in October, we explain what ESG investing is and how it could add value to your investment…
How a will can help you reduce Inheritance Tax
A will is an essential part of your estate plan and it could help reduce the amount of Inheritance Tax due on…
Chancellor announces new Covid-19 economic support – everything you need to know
Read about the announcements Rishi Sunak has made as part of a new range of measures designed to support the economy through…
Giving to charity: How it can be tax-efficient too
Giving to charity may be part of your financial plan now or in the future. Donations can provide tax benefits too, reducing…
5 things to expect when you return to work in the office
After months of working remotely during lockdown many are returning to office life. You may be worried about safety, or curious about…
Older borrowers facing challenges securing mortgages
Figures suggest eight in ten borrowers over 55 are struggling to secure a traditional mortgage. If you have mortgage debt remaining in…
What to do if you have multiple small pension pots
Research shows there are millions of small pension pots. It can make it difficult to keep track of retirement savings, but should…
4 financial steps to take if you’re facing redundancy
A Bank of England poll suggests the unemployment rate could reach 11%. If you are worried about your job situation, understanding the…
5 things to consider when you come into unexpected money
Coming into unexpected money has the potential to transform your life if used wisely. Here are our five tips on how to…
Could family income benefit insurance be right for you?
When we plan for the future, it’s also important to think about the unexpected things that might happen. No one wants to…
5 steps that allow you to handle a financial crisis
Even with careful financial planning, shocks can happen. Often financial crises are unexpected and out of our control, so it’s important to…
Retirement planning as a couple: Balancing different goals
Planning for retirement should be an exciting time in your life. You’re able to give up work and focus on the things…
3 financial lessons to teach young adults before they go to university
Young adults planning to head to university this year have faced more challenges than usual thanks to Covid-19. Yet, come September, thousands…
5 things you might not know about Equity Release
Every year older homeowners use Equity Release to help access millions of pounds to fund retirement. As property prices have risen significantly…
Could a guarantor mortgage help you secure a home?
If you’ve been saving up to buy your first home, it may feel like the goalposts have been moved. First-time buyers are…
The economic impact of coronavirus
As Covid-19 health concerns begin to fall, worries have shifted to the long-term economic impact. 90% of people are worried about what…
Cashflow planning: Helping to answer ‘what if…’ questions
It’s natural to wonder what will happen if things don’t go according to your plans. Cashflow planning can help you understand potential…
Accessing your pension: Annuity vs Flexi-Access Drawdown
Investment, Retirement Planning, Financial Advice, Financial Planning, Pension Planning, Stocks & Shares, Covid-19, General
Should you choose a guaranteed income in retirement or an option that provides flexibility? Considering five questions can help you decide which…
Covid-19 market volatility highlights differing investment attitudes of men and women
Research suggests that men and women have reacted differently to market volatility, but is one of the approaches ‘right’? We look at…
Low interest rates: Should you remortgage now?
The Bank of England base rate has been cut to just 0.1%, it could mean an opportunity for mortgage payers to reduce…
5 financial podcasts to download this summer
There are thousands of podcasts to choose from, covering almost every topic imaginable. If you want to brush up on your financial…
Our Guide to Individual Savings Accounts (ISAs) for 2020
ISAs, or Individual Savings Accounts, have been around for over 20 years. Back in 1999, then Chancellor Gordon Brown introduced the product…
3 Pembroke Financial IFAs carry the Gold Standard for Pensions
Chartered Financial Planners, Frances Boiling and Guy Ovenden and new Adviser, David Brunning, of Pembroke Financial Services Ltd, one of Sussex’s leading…
Pembroke Financial Services Coronavirus Update
These last few months have been interesting times for us all and we want to thank, from the bottom of our hearts,…
First-time buyers, remember to factor in these costs
It’s easy to see why first-time buyers focus on building a deposit, but other costs need to be factored in too, from…
Dividends and coronavirus: Will your income be affected?
As companies announce they’re suspending or reducing dividend payments, you may be worried about what it means for you. Find out more…
What are your rights if you have a summer holiday booked?
If you had a summer holiday booked, what are your refund rights amid the coronavirus pandemic? We take a look at when…
Imminent Retirement Planning in 2020 – Brighton IFA’s 7 step plan
If you’re retiring this year, congratulations! Jim Rixon, Independent Financial Adviser at Pembroke Financial Services, who offer expert pensions advice to clients…
Sussex IFAs on ‘Why you should have a Power of Attorney in place’
If you don’t have a Power of Attorney in place, Adrian Moy, one of Pembroke Financial Service’s Independent Financial Advisers and a…
Is now the time to invest?
With stock markets falling, is now the ‘right’ time to invest? It may seem like a straightforward question, but your personal goals…
What does the Covid-19 pandemic mean for my pension and retirement?
As the coronavirus pandemic continues to dominate world headlines, here’s what it might mean for your pension and retirement plans. You may…
12 things to do during lockdown to improve your financial well-being
These are strange and uncertain times during which the UK Government has advised its citizens to remain at home in order to…
How to save for retirement in your 20s
More people in their 20s are saving into a pension than ever before. But what steps should they be taking to get…
The new tax year dawns (just in case you hadn’t noticed)
The new tax year is now a week or so old and, whilst we appreciate that this may not be the first…
A brief guide to retirement interest-only mortgages
For anyone nearing retirement with time remaining before your mortgage comes to an end, it can be concerning when a significant portion…
Sussex IFAs outline the Covid-19 Financial measures: March 2020
It feels like an eternity, but only 2 weeks ago the new Chancellor, Rishi Sunak, conducted his first Budget which included £7…
Three points to consider when accessing your pension at 55
For the majority, from the age of 55 they have access to their pension. Should you be coming up to your 55th…
The 2020 Budget Winners and Losers
On Wednesday 11th March, Rishi Sunak delivered the new Conservative government’s first budget. Backed by a large majority, the essence of the…
Impact of the Coronavirus outbreak on global investment markets
Clearly, the Coronavirus outbreak is not a traditional macroeconomic event like say, the 2008 Credit Crunch and the ensuing global economic recession…
Have you thought about your financial well-being recently?
We all try to take care of our emotional and physical well-being, but have you given the same consideration to the importance…
Top ten tips for successful mortgage applications
Buying a house is one of the most stressful events in many people’s lives. From finding your dream home to finally moving…
Tax efficient investing in Sussex: VCTs continue to attract investors
The latest statistics from HMRC show that Venture Capital Trusts (VCTs) are increasingly attractive to investors, offering potential tax benefits but substantial…
Savings Advice Sussex: is the LISA an option for first-time buyers?
The Help-to-Buy ISA has departed, though you can still pay in if you already had one. But is the Lifetime ISA -or…
Investment Advice in Sussex: 5 things to keep in mind when you review your investments in 2020
2019 is over but how has your investment portfolio performed over the last 12 months? We take a look at some of…
Mortgage Advisers in Sussex: Why financial protection is important when buying your home
Your home is clearly one of the largest purchases you’ll ever make. You’ve probably taken out Buildings and Contents insurance to protect…
Ethical Investing with Sussex’s leading IFA: Investing on principle
Whether it’s the Extinction Rebellion protests or Greta Thunberg’s speech to the UN, there has been a renewed focus on climate change…
Always factor inflation into your financial planning cycle
UK Inflation has fallen to its lowest level in almost three years, but it could have a cumulative knock-on effect on your…
Pembroke Financial Services Winter 2019/2020 Newsletter – Money Wise
What’s next? …into the new decade. 2019 was quite a year. In the final few months of the year the upheaval and…
IFAs in Brighton recommend five ways to develop better spending habits
At a time of year even more focused on spending than usual, there are a few simple habits you can develop to…
A very Happy Christmas from all of us at Pembroke Financial Services
Festive Financial Services joke for the day “Why don’t you ever see Santa in hospital? Because he has private elf care!”. Christmas…
The Christmas financial gifts that keep on giving
Christmas is around the corner and adverts for toys and gadgets are everywhere. But have you thought of making a gift of…
Sussex pension advisers see higher state pension increases on the cards
The new state pension looks likely to be in line for a relatively large increase next year, but it still won’t to…
Pembroke launch a suite of Responsible investment portfolios
Independent Financial Advisers and Investment specialists, Pembroke Financial Services are delighted to announce the launch of the Prestige Better World Growth portfolio,…
Investment Advice in Sussex – UK dividend growth continues, but for how long?
Recent statistics show that dividends from UK shares rose by nearly 7% year-on-year in the third quarter of 2019. The latest Dividend…
What price our tax reliefs? Some of them may be in the next Chancellor’s firing line
Have you ever pondered the overall cost of the tax reliefs which you enjoy when you look at your annual tax statement?…
Starting early for tax year end investments
There is more time to capitalise on opportunities for early year-end tax planning and Venture Capital Trusts (VCTs) are launching their fund-raising…
High Return Investments – If it looks too good to be true…
The recent failure of a promoter of high return investments was a reminder of the dangers of being lured by headline numbers…
How much is enough on pension contributions?
Pension contributions rose in April for many people, but the increase may still not be enough to fund a comfortable retirement. The…
Annuity rates have fallen to their lowest level in 25 years as interest rates and drawdowns bite
Annuity rates hit their lowest level since 1994 in September, with implications for those making retirement decisions. Since the introduction of pensions…
The search for yields gets harder
In September the Bank of England held off from following the Federal Reserve (the Fed) and the European Central Bank (the ECB)…
Holding your nerve in volatile times – Autumn Newsletter
Welcome to your Autumn 2019 newsletter. We hope you enjoy reading it. It’s almost impossible these days not to think of that…
Who are the top 1% of income tax payers?
The top 1% of income tax payers account for 27% of all the UK’s income tax collected, but who are they? A…
The lasting power of peace of mind
More people are now setting up a Lasting Power of Attorney (LPA)… and not just those in later life. The growing use…
How do you feel about state pension age increasing to 75?
A report from a Conservative think tank suggesting a quicker rise to a state pension age of 75 has ruffled feathers, but…
A bumpy ride for August on the stock markets
Wealth Management, Pembroke Financial Services, Savings & Investments, Stocks & Shares, Tax Planning
August was a rollercoaster month for international markets with interest rates, trade wars and Brexit contributing to a bumpy ride. Stock markets,…
Money purchase pension annual allowance penalties – pick a number, any number.
Freedom of Information (FoI) requests have highlighted a lack of HMRC’s knowledge about how many people have been hit with pension annual…
New headaches for private landlords
Private landlords could find it harder to evict tenants in future, thanks to new government legislation. Landlords will no longer be able…
New prime minister, new tax policies
Boris Johnson took office towards the end of last month with a new chancellor in Sajid Javid, both with different ideas from…
Balancing the school fees equation
School fees are rising faster than the rate of inflation, creating financial challenges for parents who want to educate their children privately.…
When it comes to funds, the best investment advice is personal
The recent trials of the Woodford fund highlight the importance of personal advice on your investments. The suspension of dealings in this…
Could We See the Back of Inheritance Tax?
Widely regarded as the most unpopular tax, IHT is under scrutiny from both government and opposition. Is it time it was scrapped…
Inflated expectations
Investor expectations have been dialled up by the market returns of recent years. Independent Financial Advisers will need to add perspective and…
Brave new world of Universal Basic Income (UBI)?
If those three letters mean nothing to you now, they may do soon. Universal Basic Income – or UBI – is becoming…
A second successful Midnight Walk for St Barnabas…. and a thank you!
This time it was ‘Team Marshall’, organised and captained by Ryan Marshall’s wife, Maxine. Maxine (who walked with the Pembroke Plodders last…
Pensions and divorce – not just about the split
When it comes to dividing up assets on divorce, pension rights can turn out to be one of the most valuable elements…
Dividends wobble with 40% cuts
From a record high in the first quarter of 2019, dividends were knocked by some high-profile cuts in May. Recent dividend announcements…
How well do you understand inheritance tax?
Only one in four respondents to an HMRC survey completely understood how the inheritance tax (IHT) system could work for them. How…
Pension flexibility: too taxing for many
Lump sum withdrawals under pension flexibility are resulting in over-paid tax due to emergency tax codes. Don’t be caught out. Recent HMRC…
Ripple effect widens for China investors
It is not only Chinese mainland shares which are now attracting investor attention. China is in the investment news again as Bloomberg…
A popular peak for venture capital trusts
Venture capital trust (VCT) investment is at a 10-year high. There may be opportunities early in the tax year to explore your…
Riding out the US investment bends
A brief dip in US Treasury securities yields illustrates the benefits of holding your nerve amid investment ‘noise’. On 22 March the…
Retirement Planning – How long do you want to work… ?
New labour market figures show record levels of employment for the over 65s. As people are living longer, a parallel older-age profile…
Living longer, but will your pension last? Pension planning is essential
Statistics are showing a slowdown in the rate of improvements on our longevity, but don’t let the headlines mask the reality –…
Planning the longest holiday of your life – Retirement Planning Key Guide
There comes a time when you stop working for your money and put your money to work for you. For most people,…
ISA’s – Happy 20th birthday!!
ISAs celebrate their 20th birthday this April. If you haven’t reviewed yours in a while, this a good opportunity to ensure they…
China emerges on to the investment stage
Chinese investment markets set to become increasingly important part of investment portfolios as share of Emerging Markets Index likely to quadruple. China…
Planning for the 100-year life
Your chances of reaching 100 are probably greater than you imagine. It may sound fanciful, but a 100-year lifespan is well within…
Ringing the changes of the new tax year
The tax year 2018/19 ends on Friday 5 April, which means it’s time to start planning for the new tax year and…
One more twist on buy to let
Buy-to-let investors will be hit by the latest phase of tax changes coming in from April, coupled with changes to CGT payment…
Your 2019/2020 tax tables
Full of useful information to have at your fingertips for the coming tax year. Please find attached Pembroke’s updated Tax Tables for…
Check your April pay slip
April is the one month in the year it pays to check your payslip with new tax and auto-enrolment rates coming into…
Pembroke becomes Adur Special Needs Projects first Corporate Sponsor
We are absolutely delighted to become Adur Special Needs Project’s (ASNP) first business sponsor. Our sponsorship of this fabulous little local charity…
Inheritance tax reductions ahead of potential reform
Future increases to the residence nil rate band might be in question, thanks to the OTS review of inheritance tax. Inheritance tax…
Happy birthday to tax-free savings
It’s the 20th birthday for tax-free investment in ISAs. With the deadline for contributions approaching, have you made the most of your…
Preparing for the new tax year
Changes to income tax, NICs and pension contributions are coming for 2019/20. One of the few certainties about 2019 is that the…
Do your employees know that earnings thresholds are rising with auto-enrolment contributions?
In early December the Department for Work and Pensions (DWP) announced the thresholds that should apply to automatic enrolment pension contributions from…
Filling the pensions hole for the self-employed
The Department for Work and Pensions (DWP) is aiming to expand pension coverage among the self-employed. Pension automatic enrolment – or Workplace…
The world’s share markets mostly saw falls in 2018
2018 was a much more volatile year than its predecessor for investors as Brexit and Trump worried the markets. 2018 was a…
The FCA advises caution with crypto-currencies
The Financial Conduct Authority (FCA) is warning consumers about investment scams that purport to invest in crypto-currencies. The watchdog has seen a…
Shake up your New Year’s resolutions
New year, new resolutions to break? Try our four financial resolutions with long term benefits. Have your New Year resolutions fallen by…
Don’t ignore your credit report
It pays to be aware of your credit history to ensure no-one is applying for loans or credit cards in your name.…
Christmas Wishes from Pembroke Financial Services
At the festive season, our thoughts turn gratefully to those who have made our progress possible. It is in this spirit that…
Growing ethical investment for sustainable returns
The amount of money invested in ethical funds has trebled over the past 10 years according to the Investment Association. The growing…
State pension age equality means increases for everyone
The State Pension Age (SPA) became equal for men and women for the first time, at age 65, on 6 November 2018.…
Unmarried couples lack the rights of married couples
Two recent events have shone different lights on the government’s view of unmarried couples. As the graph shows, marriage has been drifting…
HMRC spotlights IHT returns as a new case shows risks of late planning
Imagine you are named as the executor and a beneficiary of your wife’s wealthy aunt. You learn that she is suffering from…
Is Inflation eating into the value of your savings?
Interest rates on instant access savings accounts continue to be outstripped by inflation, so where should you invest your money? At the…
The Budget 2018: an end to austerity? What did it mean for you?
The 2018 Budget, which was delivered on a Monday for the first time since 1962, produced a number of surprises, not least…
Leading think tank proposes radical shake up of UK’s tax system
The Institute for Public Policy Research (IPPR) is a centre-left think tank that has a long history of influencing Labour Party policy.…
Cash ISAs fall out of favour as inflation outstrips interest rates
The popularity of Cash ISAs is continuing to wane according to new statistics from HMRC. With inflation persistently above interest rates, it’s…
Class 2 National Insurance Contributions are here to stay
Self-employed workers with small profits breathe a sigh of relief as the Chancellor has changed his mind – again – on National…
Global stock markets are showing very mixed results in 2018.
Is your investment plan making the most of the opportunities out there? Ryan Marshall, Investment specialist and Independent Financial Adviser at Pembroke…
Trick or treat? The Chancellor calls the 2018 Budget for late October
What should we expect from the 2018 Budget? Will the Chancellor turn to inheritance tax, fuel duty, stamp duty, a digital tax…
Auto enrolment into Workplace Pensions six years on – a success?
There is absolutely no doubt that pension savings have grown after six years of Automatic Enrolment, but more progress is required to…
Is your pension planning good enough to cover your retirement years?
…the beginning of the end for rising life expectancy? A paper published in August by the Office for National Statistics (ONS) casts…
Record inheritance tax revenues ahead of simplification review
As inheritance tax (IHT) receipts hit a record for the Treasury, is it time to review your estate planning ahead of any…
Interest rates start to creep up after nine years – more to come?
The Bank of England increased the base interest rate in August to 0.75% – the second increase in 12 months. The Bank’s…
Our updated Key Guides series: July 2018
Whilst most of us basked in the hottest summer for over half a century, the government is busy running consultations and trying…
OBR forecasts to force government to raise taxes next Budget?
The long-term outlook for government finances suggests that tax increases are inevitable. The Office for Budget Responsibility (OBR) produces medium-term financial forecasts…
2018 proves volatile for investors after the smooth sailing of 2017
The first six months of 2018 were unpredictable times for investors as global stock markets suffered a sudden bout of volatility. The…
LISAs mauled by Select Committee – Should you invest before they disappear?
The Lifetime ISA (LISA) may not survive after low uptake by providers and fresh criticisms from parliament. The LISA has been reviewed…
More pre-Budget rumours of changes to pension tax relief
The prospect of a flat rate of tax relief on pension contributions has resurfaced in the national press. The cost of pension…
Important rate announcements made in June in the UK and the US
Interest rates for the Eurozone and US diverge leading to currency fluctuations as investment markets prepare for base rate rises. The US…
NS&I put the brakes on investments for their Growth and Income bonds
National Savings & Investments (NS&I) has introduced limits on its offerings for wealthier savers. In mid-June NS&I announced a revision to the…
New data from HMRC shows where income tax revenue comes from
Who pays the most income tax? HMRC’s latest statistics provide an interesting insight into the income tax paying population. These figures reveal…
A Successful Midnight Walk for St Barnabas…. thank you
Can we say a huge thank you to everyone who supported us for this most worthy of causes. St Barnabas benefited by…
Pension scams and cold calling – Be on your guard
Be wary of cold-callers who offer a ‘free’ pension review – it could cost you more than you think. Cold-calling has increased…
Interest rates likely to rise this year, despite being held in May
The Bank of England did not raise interest rates in May, despite earlier suggestions that it would. About four years ago a…
Transfers out of private sector final salaries pensions boomed in 2017
There was a dramatic increase in the number and the value of transfers out of defined benefit (usually final salary) pension schemes…
Please help us achieve our target for our Midnight Walk for St Barnabas
You will remember that we messaged you at the beginning of May telling you that we hoped to raise at least £500…
Heard about the potential savings from Relevant Life Assurance Policies?
No? A little-known type of life assurance policy could provide you – or your employees – with highly tax-efficient life cover…
What will your pensions savings mean at retirement and are you saving enough?
It is most definitely worth working out what your potential pension pot could actually buy for you in terms of income and…
An unexpected dip in UK inflation delays interest rate rise in May
UK inflation is falling faster than expected, as the March figure for the Consumer Price Index (CPI) was 2.5%. Could we have…
Graduates get a break as student loan repayment threshold rises
The income threshold at which student loan repayments begin rose on 6 April 2018. English and Welsh students who started their courses…
Couples can save an extra £20k in inheritance tax from April
Couples could now save an extra £20,000 of inheritance tax (IHT), as the residence nil rate band (RNRB) increased in April 2018.…
The Pembroke Plodders are walking for St Barnabas!
The ‘Night to Remember Midnight Walk’ in Worthing raises money for a great cause – St Barnabas House. It all happens on…
New risk criteria for venture capital schemes in 2018
Important changes for venture capital schemes and enterprise investment have recently come into effect. New, what are called ‘risk-to-capital’ conditions apply to…
The benefits of early ISA investments
Don’t wait for the end of tax year reminders! There are advantages to planning your ISA investments at the beginning of the…
Pembroke Financial Welcomes Frances Boiling to The Team
Pembroke Financial Services are absolutely delighted to announce the arrival of Frances Boiling as the latest addition to their 9 strong IFA…
2018/2019 tax tables and the Chancellor’s first Spring Statement
These tables are up-to-date with everything announced in the Spring Statement, giving you all the key numbers in one place. Mr Hammond…
Your Financial Key Guides for 2018: Nothing Stands Still
Despite some high-profile giveaways from the Chancellor’s second Budget of 2017, the message was very much one of continuity and a desire…
New tax rates apply from 6 April – summary now available
The start of the new tax year on 6 April marks several changes to tax and related matters that could make you…
Government refund for Power of Attorney fees for registration between April 2013 and March 2017. Are you eligible?
You could well be due a refund if you have registered a Power of Attorney in recent years. It’s not often that…
The ISA inheritance rules are simplified for couples from 6 April
Back in 2014 the then Chancellor of the Exchequer , George Osborne, announced that that Individual Savings Accounts (ISAs) would become inheritable…
The Spring Statement – replacing the Spring Budget – is on 13 March
There will be no Spring Budget this March, but that doesn’t necessarily mean that the Chancellor, Phillip Hammond will be keeping silent….
Your tax year end planning – how Pembroke Financial can help
The 5th April is approaching fast so it’s important to take the time to give your finances a tax year-end check-up. Here…
The deadline is approaching for using your ISA allowances
Your Individual Savings Account (ISA) allowances expire on 5th April and with a lower dividend allowance from 18/19, should you be looking…
There is still time for tax year end pension contributions
With the tax year end approaching, have you maximised your pension contributions? Both February and March are rightly popular times for reviewing…
A Helping Hand for Whoopsadaisy from Pembroke Financial Services
Shoreham-based Independent Financial Advisers Pembroke Financial Services has donated £3,500 to support the children’s disability charity, Whoopsadaisy. Whoopsadaisy is a small local…
How can you help counter the effects of rising inflation and low interest rates in your investment choices?
Prices have been rising at their fastest rate for five years. Annual inflation (as measured by the Consumer Prices Index or CPI)…
The next steps for auto-enrolment start this April, with more change on the cards.
The Automatic Enrolment of employees into workplace pensions has been a greater success than many predicted when it was introduced in October…
A good year for global share markets – but are we to expect a volatile 2018?
The world’s share markets were a profitable place to be in 2017, but the year was not without its drama. We saw…
Investing for children – it’s not just for Christmas!
National Savings has closed one option, but there are many more possibilities to consider. Back in September of last year National Savings…
Pembroke Financial Services – Winter 2017 Newsletter
Welcome to your Winter 2017 newsletter. We hope you enjoy reading it. It’s been quite a year. Two Budgets and an election…
What did November’s interest rate rise mean for you?
November marked the first rise in the Bank of England Base Rate in over ten years. At the start of November, the…
NS&I increase interest rates and lower the odds of winning.
At the start of November, the Bank of England raised its base rate for the first time since 5 July 2007 and…
Buy-to-let investors took a hidden hit in the Autumn Budget
Chancellor Philip Hammond’s Autumn Budget contained more bad news for many buy-to-let investors which went largely under the radar. Next April will…
Why buy financial advice and who to buy it from?
Deciding to pay for financial advice is a big step. It is normal to question yourself, especially as the results of this…
Autumn Budget snippets… from a Financial Planners’ perspective
In truth, there were no momentous changes to tax or pensions announced in last week’s Budget which will have any significant impact…
Nothing stands still – New Financial Key Guides Available
Now that the nights are drawing in again, the heady times earlier in the year around the Budget and then election seem…
Will current inflation levels really boost state pension income?
State pensions will rise by 3% next April, but it’s not all strictly good news. The BBC website, covering the announcement that…
The Bank of England finally raises interest rate after inflation dodges 3%
The September inflation rate was just low enough to spare Bank of England (BoE) Governor, Mark Carney, from having to write to…
Are Cash ISAs losing favour?
In the world of ISAs, cash ISAs have long attracted more contributions than their stocks and shares counterpart. However, new statistics from…
What space does the Chancellor have for change in his Autumn Budget in November?
The Chancellor, Phillip Hammond, announced the date of his first Autumn Budget as Wednesday 22 November and this will be his second…
Are you covered on personal lending?
The boom in personal lending is worrying the Bank of England. The rate at which people are taking out loans, maximising store…
Inheritance tax receipts hit a new high according to HMRC
Inheritance tax (IHT) is raising more than ever according to HM Revenue & Customs. How much do you want to contribute? IHT…
How many different ways can we measure inflation? More than you might think
August was a month when inflation hit the news headlines several times trailing with it a cloud of acronyms: The Bank of…
A Junior ISA with a minor interest rate!
National Savings and Investments (NS&I) have entered the Junior ISA market. In 2011, the Junior ISA (JISA) was introduced as a replacement…
Seven tax tips for 2017/18
Uncertainty is the name of the game so far during this tax year, with post-Budget U-turns and a rushed pre-election Finance Act…
Self-employed workers are under-insured and struggle to save
As the dream of retirement creeps further out of reach, Self-employment has become the route of many. There are around five million…
The Latest Pembroke Financial Services Guide to the Taxation of Property
The Latest Pembroke Financial Services Guide to the Taxation of Property, covering the key implications of taxation of property including buying, renting…
Pembroke’s new blood – introducing two new members of our team
A warm Pembroke welcome to our two new members of staff who take our numbers back to 17 and strengthen the administration…
The Pembroke Financial Services Guide to Making the Most of ISAs
ISAs have become a key component of an IFAs’ savings and investment plans for clients. With the addition of new versions of…
There is a danger that pension flexibilities encourage DIY pension planning.
Two years on from the introduction of pension ‘freedoms’ or pension ‘flexibility’, the Financial Conduct Authority (FCA) has examined its impact and…
Mortgage brokers are top with Consumers
A new poll has revealed how much mortgage customers value the services of their mortgage brokers. Of the 1,500 surveyed by Legal…
Inflation – Prices rising at their fastest rate for nearly four years
Whilst May inflation data came as a surprise to many pundits – the expectation had been for inflation, as measured by the…
The End of an Era… Keith John Stevens fondly known as KJS …we wish you well!
23 years , 11 months and 7 days after he started his journey on the “good ship Pembroke” as he calls it…
Household savings hit record low
Household savings have reached a record low, with UK residents saving on average only 1.7% of their earnings, according to the latest…
Financial advice leaves people £40k better off
A new report has found that people who receive financial advice are on average £40,000 better off than those who don’t. Research,…
Investment indices don’t tell the whole story for the first half of 2017
The first six months of 2017 have presented investors with an interesting half year. – There were several serious terrorist attacks, -…
The Inheritance Tax Residence Nil Rate Band… not all it seems
The inheritance tax (IHT) residence nil rate band is now available and could potentially cut the IHT bill on your estate by…
The importance of diversifying your investments
We have seen how unexpected events can impact on investment markets – last year with Brexit and Trump and this year with…
The next increase in State Pension Age has edged nearer
Do you know when you will start to receive your single-tier State pension? You can use the government website (www.gov.uk/state-pension-age) to tell…
The importance of financial planning reviews
Several important changes to tax and benefits were introduced at the beginning of 2017/18, so it makes sense to review your financial…
The politics of social care – the dispute continues.
The politics of social care – the dispute continues. The past few months’ general election campaign provided a reminder that the issue…
The 2017 election manifestos offered precious little good news on the future of income tax.
The 2017 election manifestos offered precious little good news on the future of income tax. We would say that judging by the…
The changes to Probate fees are an election casualty few will mourn.
The changes to Probate fees are an election casualty few will mourn. The snap General Election has put a stop to planned…
State pensions are not quite what was advertised.
State pensions are not quite what was advertised – over half of eligible pensioners are not receiving the full new State Pension…
Our updated Key Guides series: April 2017
We’ve recently reviewed our series of Key Guides as usual at this time of year. These specialist publications provide you with expert…
Spring Budget casualties from the snap election
In hindsight, Chancellor Hammond didn’t have much luck with what he said would be his “first and last Spring Budget”. The proposal…
Your pension allowances are shrinking
Cuts and adjustments made to the two main pension allowances since 2011 have made retirement planning all the more complicated. In 2010/11…
The Budget dividend allowance cut – what will be the damage?
One of the very few surprises of Phillip Hammonds’ March Budget was his cutting of the dividend allowance which comes in 2018/19.…
Another notch up in State Pension Age
A government initiated independent review by John Cridland in March has proposed bringing forward the move to a state pension age (SPA)…
The new NS&I bond – is that it?
The Budget confirmed the rate on the new National Savings & Investments Bond at 2.2%. That is the fixed rate on the…
Individual Savings Accounts (ISAs) and Inheritance Tax (IHT) Planning
ISAs are seen as the ‘base layer’ of good financial planning because of their general tax efficiency. They have, however, had a…
NS&I lose lustre as it cuts interest rates from 1 May
National Savings and Investments (NS&I) have announced that it will be cutting interest on four of its variable rate products from 1…
The beginning of the new tax year can be just as valuable as its more familiar year end counterpart.
The run up to 5 April, with the Budget and often Easter intervening, can be a frenetic time for personal financial planning.…
The new ISA variant, the Lifetime ISA (LISA) arrives on 6 April.
The new ISA variant, the Lifetime ISA (LISA) arrives on 6 April. One of the final surprises produced by George Osborne in…
Pembroke Financial – Tax Tables for the 2017/18 Tax Year
We have pleasure in enclosing our tax tables for the 2017/18 tax year, updated for announcements made in the Budget. We hope…
Automatic enrolment has reached a new landmark, but the path from 2017 onwards could be challenging.
Automatic enrolment has reached a new landmark, but the path from 2017 onwards could be challenging. When automatic enrolment (AE) into workplace…
What do I need to remember to do before the tax year ends? Some 5th April reminders
What do I need to remember to do before the tax year ends? Some 5th April reminders. This year, more than many…
Pembroke Financial – Spring 2017 Newsletter
Welcome to the first newsletter of 2017. There were a number of developments at the end of last year which we have…
Pension transfer values are up 15%. What’s the next step?
Pension transfer values are up 15%. What’s the next step? It wasn’t just the UK equity market which rose in 2016. Transfer…
Our Updated Key Guides Series: February 2017
We’ve recently reviewed our series of Key Guides as usual at this time of year. These specialist publications provide you with expert…
More protection for your savings
More protection for your savings. Your savings up to £85,000 will now be safe should a bank or building society collapse from…
Chancellor announces Wednesday 8 March as the date for the Budget 2017.
Chancellor announces Wednesday 8 March as the date for the Budget 2017. It may feel like Mr Hammond’s Autumn Statement was only…
Trump’s in charge. What will this mean for investments?
The arrival of Donald Trump marks a change of direction for the US government from the near status quo that Hillary Clinton…
The FSCS limit may increase at the end of January so it could be time for a review
It looks likely that the deposit protection limit will rise at the end of January. At the start of 2016, the maximum…
Our Winter 2016 Newsletter
It’s been a busy and fraught summer, both before and after the EU referendum on 23 June. With a changeover in government…
Is your family financially protected?
Is your family financially protected? The current system of bereavement benefits is being overhauled from April 2017. A key change will be…
LISA, Lifetime ISA, reappears after a summer redesign
LISA reappears after a summer redesign. The Lifetime ISA – LISA – is back in the spotlight, after it disappeared over the…
Two wrongs don’t make it right – tax evasion, avoidance…. and planning
Two wrongs don’t make it right – tax evasion, avoidance…. and planning. HM Revenue & Customs (HMRC) was busy in August publishing…
What could a £5,000 a year pension be worth today?
What is a £5,000 a year pension worth? If you have pension benefits from an old private sector final salary pension scheme,…
How to find income in a tricky savings climate
Finding income in a tricky savings climate. According to the Bank of England, ‘real’ interest rates may not rise much above 1%,…
Does a pension beat property?
Does pension beat property? “Residential property beats pensions as an investment for retirement planning” says the Bank of England’s Chief Economist, Andy…
A 3rd quarter investment lesson
A 3rd quarter investment lesson. Short term stock market movements are hard to predict and the 3rd quarter of 2016 was a…
Autumn Statement rumours of radical reform of pension contribution tax relief.
The pre-Autumn Statement rumour mill is suggesting a radical reform of pension contribution tax relief. Could tax relief for pension contributions be…
Is it time to review your cash ISA holdings?
New statistics from HMRC show that cash is still a popular ISA investment, despite ultra-low interest rates. In early summer the Financial…
Our Updated Key Guides Series: October 2016
The final days of the second quarter of 2016 were dominated by the fall-out from the outcome of the referendum on 23…
The third quarter of 2016 was not the meltdown it threatened to be after the referendum.
The final days of the second quarter of 2016 were dominated by the fall-out from the outcome of the referendum on 23…
Our Autumn 2016 Newsletter
It’s been a busy and fraught summer, both before and after the EU referendum on 23 June. With a changeover in government…
The post-Brexit decline in the pound’s value hasn’t been all doom and gloom for investors.
“The Brexit vote has completely changed the picture for dividends this year and beyond.” So said Capita, one of the UK’s main…
Savings rates have fallen which is a wake-up call if you have money in closed accounts.
The Bank of England may have finally ended speculation and dropped the interest rate from 0.5% to a new low of 0.25%,…
Are you thinking of converting your pension pot into retirement income? Read this first.
One of the UK’s biggest insurance companies has withdrawn from the advisory annuity market. RetirementPlanningCompassThe pension freedom reforms revealed in the 2014…
The Department for Work & Pensions (DWP) is writing to over 100,000 people with bad news about their state pension
The new single-tier state pension was launched in April of this year, but the way in which it was introduced has drawn…
Post-Brexit UK is a volatile place for savings & investments
The first half of 2016 has been marked by volatility – especially in the final week. June, or to be more accurate,…
The Pension Regulator’s inbox gets fuller on Auto Enrolment penalties.
The Pension Regulator’s inbox gets fuller on Auto Enrolment penalties. It is not only BHS which is keeping the Pensions Regulator busy….
Anomalies uncovered in personal savings allowance legislation.
Not everything your bank pays you counts towards the personal savings allowance. When the personal savings allowance (PSA) was first announced in…
Our summer 2016 Newsletter
It’s a new year and attached is the summer 2016 edition of our newsletter. Now is the perfect time to think about…
Making tax digital
At the March 2015 Budget, the government set out the vision for a transformed tax system and the end of the tax…