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  • Home
  • About Us
    • Meet the Team
    • In The Press
    • In The Community
  • How We Work
    • Protecting Your Personal Information
  • Our Services
    • Pensions Advice & Retirement Planning
    • Active Money Management – Savings & Investments Advice
    • Tax Advice & Tax Planning Services
    • Mortgage Advice
    • Life, Health & Corporate Insurance
    • Business Solutions
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Blog

Teenagers in an IT class at school.

8 essential finance lessons you should teach teenagers as 72% say they want more financial education

Financial Advice, Pembroke Financial News, Wellbeing, Financial FutureMay 20, 2022

Research shows the majority of teenagers want to learn more about personal finance topics like mortgages and pensions. Here are eight lessons…

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Two people reviewing financial data and graphs.

Investment funds: How do they work and how they could play an important role in your portfolio?

Investment, Pembroke Financial NewsMay 17, 2022

Investment funds are a popular way to invest and can make sense as part of your financial plan. If you’re not sure…

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A smiling family sitting around a garden table.

Misconceptions mean that 40% of homeowners don’t have life insurance

Protection, Estate Planning, Pembroke Financial News, Life AssuranceMay 13, 2022

Life insurance could provide your family with financial security if you pass away. Yet, a survey suggests that many homeowners aren’t covered…

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A group of young employees talking and working at a desk.

4 valuable pension lessons younger generations can learn from the regrets of the over-50s

Pension, Pembroke Financial NewsMay 10, 2022

A survey of over-50s has highlighted that many wish they’d started a pension earlier and saved more. Younger generations can learn from…

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hand holding key with keyring shaped like a house.

What is a mortgage in principle, and how can it help prospective buyers?

Mortgage, Pembroke Financial News, PropertyApril 26, 2022

Securing a mortgage is a hugely important step in the house-buying process. Read how a mortgage in principle could help you get…

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6 insightful figures that highlight the challenges first-time buyers are facing

Mortgage, Pembroke Financial News, First Time Buyers, PropertyApril 22, 2022

First-time buyers are facing more challenges than ever as property prices soar and competition rises. These six statistics highlight some of the…

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A woman holding a takeaway cup of coffee.

3 interesting pieces of data that show why you shouldn’t panic during market volatility

Financial Planning, Pembroke Financial NewsApril 19, 2022

During times of uncertainty, it can be tempting to make changes to your investments. However, data suggests that holding tight and sticking…

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A person using a watering can.

Half of workers would choose a “green” pension and it could lead to ESG investments soaring

Pension, Investment, Savings, Pembroke Financial NewsApril 15, 2022

21 million people would consider moving their pension to a “green” fund if it was an option offered by their scheme. With…

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A woman depositing a coin into a piggy bank.

Why it pays to use your 2022/23 ISA allowance right now

Investment, Savings, ISAs, Pembroke Financial NewsApril 12, 2022

While you may be tempted to leave using your annual ISA allowance until the end of the tax year, using it now…

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A shopper using contactless payment to pay.

Your older pensions could be delivering “poor value for money”, and it could cost you thousands of pounds

Pension, Investment, Pembroke Financial NewsApril 8, 2022

If you have pensions from the 1990s or 2000s, the fees you’re paying could be delivering “poor value for money”, research suggests.…

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The recent Okta breach in the United States has not affected Pembroke clients

General, Financial Planning, Pembroke Financial Services, Pembroke Financial NewsMarch 24, 2022

You may have read in the press about a recent Okta breach in the U.S, so I want to reassure you this…

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Financial stock market graph on an abstract background

Investment market update: February 2022

Investment, Pembroke Financial NewsMarch 22, 2022

Tensions in Europe and the invasion of Ukraine affected stock markets around the world. Here’s your investment market update with all the…

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A woman typing on a laptop with a screen that says “mortgage”.

Interest rates are rising. What does it mean for your mortgage?

Mortgage, Inflation, Pembroke Financial News, Interest RatesMarch 18, 2022

The Bank of England has increased interest rates twice since December 2021. If you’re a mortgage holder, it may affect your monthly…

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Seb Lewis Independent Financial Adviser (IFA) at Pembroke Financial Services

Pembroke Financial Welcomes Seb Lewis to the Team

General, Pembroke Financial Services, Pembroke Financial NewsMarch 15, 2022

Pembroke Financial Services are absolutely delighted to announce the arrival of Seb Lewis as the latest addition to our thirteen strong financial…

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A man packing cardboard boxes to move home.

5 practical questions to answer when you move up the property ladder

Mortgage, Pembroke Financial NewsMarch 15, 2022

If you’re ready to move up the property ladder, understanding your mortgage needs and the cost of moving can help make the…

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A busy logistics and transportation location with cargo ships.

The ESG investment trends to watch out for this year

Investment, Pembroke Financial News, ESG, SustainabilityMarch 11, 2022

The pandemic and the climate conference in 2021 are driving some of the key ESG investment trends this year, including net zero…

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A father teaching his young son to ride a bike.

Inheritance Tax receipts rise again. What can you do to minimise the bill?

Inheritance Tax, Retirement Planning, Pembroke Financial NewsMarch 8, 2022

The amount of Inheritance Tax paid has increased and a freeze on allowances means it will affect more families in the future.…

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An older couple sitting on the sofa and laughing together.

A quarter of retirees are relying on an inheritance. Here’s why you shouldn’t

Retirement Planning, Pembroke Financial NewsMarch 4, 2022

Research shows that millions of people in the UK are relying on an inheritance to pay for their retirement. It could mean…

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3 tips to manage your concern in an uncertain time

Investment, Pembroke Financial NewsFebruary 28, 2022

It’s been an uncertain start to 2022 for the global economy. Here’s some useful information, and three tips for managing your anxiety…

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A workman measuring a wooden plank

10 tips if you’re taking on a property project

Pembroke Financial News, PropertyFebruary 22, 2022

If you’ve purchased a property that needs work completing or you want to renovate your home, these tips could help you plan…

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While the process of buying a flat is similar to a home, it can create more obstacles if you’ll be using a mortgage to purchase one says Paul Grennan, Principal Mortgage and Equity Release Adviser at Pembroke Financial Services.

5 reasons your mortgage application for a flat could be rejected

Mortgage, Pembroke Financial News, PropertyFebruary 18, 2022

Figures suggest that demand for flats is on the rise. If they’re something you’re thinking about, you should be aware of these…

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ASNP The Sponsored Family Walk from Shoreham to Worthing and back again, raises money for a great cause.

ASNP Sponsored Family Walk Target Almost Reached!

Pembroke Financial News, In The CommunityFebruary 15, 2022

Please help us achieve our target for our Family Walk for Adur Special Needs Project (ASNP).

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Being diagnosed with cancer can mean facing physical and mental challenges, but research finds that many patients also face financial obstacles says Ryan Marshall, Independent Financial Adviser at Pembroke Financial Services.

8 in 10 cancer patients suffer a financial hit. Here’s how protection policies can offer security

Protection, Financial Planning, Pembroke Financial News, Financial ShockFebruary 15, 2022

Research suggests that 83% of cancer patients experience some kind of financial impact from their diagnosis. This may be reduced income or…

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8 things to do to give your finances a spring clean

8 things to do to give your finances a spring clean

Financial Planning, Pembroke Financial News, Financial FutureFebruary 11, 2022

As spring approaches, now is the perfect time to review your finances and assets. This can help make sure the steps you’re…

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Half admit to making impulsive, emotional investment decisions, and many go on to regret it

Half admit to making impulsive, emotional investment decisions, and many go on to regret it

Investment, Financial Planning, Pembroke Financial NewsFebruary 8, 2022

Have emotions ever influenced an investment decision you’ve made? If so, you’re not alone, but impulsive decisions can lead to regret and…

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ASNP The Sponsored Family Walk from Shoreham to Worthing and back again, raises money for a great cause.

Adur Special Needs Project Sponsored Family Walk

Pembroke Financial News, In The CommunityFebruary 4, 2022

Adur Special Needs Project’s first fund raising venture of this kind, and our team will walk either the five or the 10-mile…

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Pension drawdown: Are you taking a sustainable income?

Pension drawdown: Are you taking a sustainable income?

Pension, Pembroke Financial News, SustainabilityFebruary 4, 2022

Research suggests that some retirees are taking unsustainable sums from their pensions. It could mean they run out of money in retirement,…

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Independent financial advice regarding Why do people use equity release, and is it an option you should consider?

Why do people use equity release, and is it an option you should consider?

Pension, Mortgage, Financial Planning, Pembroke Financial News, Equity Release, Pensions, PropertyJanuary 28, 2022

Equity release is becoming a popular way for people to fund their later years, and it could give your finances a significant…

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Mortgage advice Long-term fixed mortgages is not the right option for every homeowner and you need to carefully consider before you choose a deal

Long-term fixed mortgages are now on offer, but are they a good choice for you?

Mortgage, Financial Planning, Pembroke Financial NewsJanuary 25, 2022

Long-term mortgages with a fixed rate are now on offer. They can provide homebuyers with peace of mind, but there are drawbacks…

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Keith Bonner, Independendent Financial Adviser asks 59% of people say the pandemic has made them question their priorities. Has it affected your plans?

59% of people say the pandemic has made them question their priorities. Has it affected your plans?

Pembroke Financial News, Financial FutureJanuary 21, 2022

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…

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Why now is the perfect time to start thinking about the end of the tax year

Why now is the perfect time to start thinking about the end of the tax year

Tax Planning, Financial Planning, Pembroke Financial News, Tax Year EndJanuary 18, 2022

While it might seem some way off, preparing for the end of the tax year now can help you make the most…

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The majority of divorcees are overlooking pensions and it could leave them financially vulnerable expert financial advice from Pembroke financial services

The majority of divorcees are overlooking pensions and it could leave them financially vulnerable

Financial Planning, Pembroke Financial News, Pension Planning, Pensions, Financial FutureJanuary 14, 2022

The law changed in 2000 to allow pensions to be split during a divorce or dissolution. Yet, just 1 in 8 couples…

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Investment Market Update financial advice

Investment market update: December 2021

Investment, Pembroke Financial News, Covid-19, Financial FutureJanuary 11, 2022

As 2021 drew to a close, high levels of inflation, supply chain issues, and the challenges of a new Covid-19 variant affected…

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Improve your financial wellbeing with independent financial advice from Pembroke Financial Services

7 new year resolutions that could improve your financial wellbeing

Financial Advice, Financial Planning, Pembroke Financial News, Wellbeing, Financial Future, New YearJanuary 7, 2022

This year, making a new year resolution that considers your long-term financial wellbeing could have a positive impact far beyond 2022.

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Reducing your mortgage payments

2 ways you can reduce your monthly mortgage payments

Mortgage, Pembroke Financial NewsDecember 17, 2021

If you’re looking for a way to reduce household expenses, there are some steps you can take to cut your mortgage repayments.

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The UN Climate Change Conference (COP26) how it could affect investments.

COP26: What does the outcome mean for investors?

Pembroke Financial News, COP26December 16, 2021

COP26 took place in Glasgow in November and set the global climate change agenda. Find out how it could affect investments here.

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Independent financial advice Spend, save, or invest: What should you do with your child’s Christmas money?

Spend, save, or invest: What should you do with your child’s Christmas money?

Financial Planning, Pembroke Financial News, Savings & Investments, Financial Future, GoalsDecember 14, 2021

If your children will receive money this Christmas, it can be an excellent way to teach money skills, from the value of…

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A man pointing to a screen showing data on a chart about do you have realistic investment expectations?

Do you have realistic investment expectations?

Investment, Financial Planning, Pembroke Financial NewsDecember 12, 2021

When you’re investing, it’s important that you set out realistic expectations to create an accurate plan and to spot potential scams.

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A young woman considering the pension gap: Life expectancy means women need to save more for retirement

The pension gap: Life expectancy means women need to save more for retirement

Pension, Financial Planning, Pembroke Financial NewsDecember 10, 2021

Women need to save an extra £185,000 in their pension to close the gender gap and ensure they have enough for their…

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Financial advice 5 retirement challenges you could face and what to do about them

5 retirement challenges you could face and what to do about them

Pension, Retirement Planning, Pembroke Financial NewsDecember 9, 2021

A new survey has highlighted some of the biggest challenges that those planning their retirement could face. Understanding these obstacles now can…

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What does rising inflation mean for mortgage holders? Independent financial advisers IFA in brighton

What does rising inflation mean for mortgage holders?

Mortgage, Inflation, Pembroke Financial NewsNovember 26, 2021

With inflation rising, the Bank of England could increase interest rates to reduce the impact. If you’re a mortgage holder, it may…

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IFA Peter Banks independent financial advice about Do you have more than £10,000 in cash? You could be missing out on investment returns

Do you have more than £10,000 in cash? You could be missing out on investment returns

Investment, Pembroke Financial News, Savings & InvestmentsNovember 25, 2021

If you hold more than £10,000 in a cash account, you could be missing out on potential growth and the value of…

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Keith Bonner IFA at pembroke Financial Services advice on Inheritance Tax (IHT) advice How a life insurance policy could help you preserve an inheritance for loved ones

How a life insurance policy could help you preserve an inheritance for loved ones

Tax Planning, Inheritance Tax, Estate Planning, Pembroke Financial NewsNovember 23, 2021

If your estate could be liable for Inheritance Tax, taking out an appropriate life insurance policy could help your loved ones pay…

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Independent financial advice on Dividend Tax rate rise: Could it affect you?

Dividend Tax rate rise: Could it affect you?

Tax Planning, Pembroke Financial News, Dividend TaxNovember 19, 2021

The Chancellor has announced a Dividend Tax hike. Find out if it affects you and what steps you can take to reduce…

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More people plan to work past traditional retirement age. Here’s what they need to consider

More people plan to work past traditional retirement age. Here’s what they need to consider

Retirement Planning, State Pension Age, Pembroke Financial News, PensionsNovember 16, 2021

More people are expected to work past State Pension Age by 2030. Work can provide a sense of purpose and boost your…

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David Brunning IFA advice concerning Generation X is looking forward to life’s small pleasures in retirement, but are in the dark about the cost

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, PensionsNovember 12, 2021

Research finds that Generation X is looking forward to life’s small pleasures in retirement, like socialising with family and friends more. To…

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Keith Relf, founder and managing partner of Pembroke Financial services gives the low down on Everything you need to know about the 2021 Autumn Budget

Everything you need to know about the 2021 Autumn Budget

Budget, Pembroke Financial NewsOctober 27, 2021

Rishi Sunak has delivered the 2021 Autumn Budget. Here’s everything you need to know about the chancellor’s announcements and what they mean…

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keith Relf advice on 10 tips for travelling sustainably in 2022

10 tips for travelling sustainably in 2022

Pembroke Financial News, Sustainability, Goals, TravelOctober 26, 2021

If you’re looking at holidays for next year, a few small adjustments could make your trip more sustainable and support the local…

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Julie Ward offers mortgage advice about First-time buyers turn to longer mortgages, but the total interest paid could soar

First-time buyers turn to longer mortgages, but the total interest paid could soar

Mortgage, Pembroke Financial News, First Time Buyers, PropertyOctober 22, 2021

First-time buyers are turning to longer mortgages to make homeownership more affordable. But it could mean paying thousands of pounds extra in…

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Adrian Moy IFA offers independent financial advice about 5 behavioural biases that lead to investment mistakes

5 behavioural biases that lead to investment mistakes

Investment, Pembroke Financial News, Behavioural BiasesOctober 19, 2021

Unconscious decisions and emotions can affect your investment decisions. Recognising some of the most common financial biases can help you reduce their…

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Ryan Marshall IFA offers independent financial advice Why you should consider involving your family in your financial plan

Why you should consider involving your family in your financial plan

Financial Advice, Financial Planning, Pembroke Financial Services, Pembroke Financial NewsOctober 15, 2021

Financial planning is often something you do alone or with a partner. But, at times, including your wider family in the process…

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IFA Chris Hughes offers his financial advice about how these 7 steps to take when you receive an inheritance to make the most of it

7 steps to take when you receive an inheritance to make the most of it

Financial Planning, Pembroke Financial News, InheritanceOctober 12, 2021

Receiving an inheritance can be life-changing. But it can also be overwhelming and you may not know where to start when deciding…

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Andy Knight, Chartered Financial Planner at Pembroke Financial services offers advice on Consolidation: Why it could help you beat the challenge of keeping track of pensions

Consolidation: Why it could help you beat the challenge of keeping track of pensions

Pension, Retirement Planning, Pembroke Financial News, Pension PlanningOctober 8, 2021

Auto-enrolment and regular job switching mean the average worker will have multiple pensions. Consolidation could make it easier to manage your retirement…

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Paul Grennan, Principal Mortgage Adviser, Pembroke Financial Services offers advice about Equity release: As house prices soar, here’s what you need to consider first

Equity release: As house prices soar, here’s what you need to consider first

Financial Planning, Pembroke Financial News, Equity Release, Financial Future, PropertySeptember 24, 2021

£1.17 billion of property wealth has been unlocked through equity release. However, it’s important to weigh up the pros and cons, as…

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HMRC building sign in London

Income Tax doubles since 2000 – here are 2 allowances to help your money go further

Income Tax, Pembroke Financial News, HMRCSeptember 21, 2021

In the last 20 years, the amount of Income Tax paid has doubled. With tax bands frozen until 2026, you could find…

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Table filled with paper with graphs and pie charts on as someone uses a calculator

After 2 “once in a lifetime” economic events in 12 years, how can you protect your assets?

The Economy, Pembroke Financial News, Financial Future, Financial ShockSeptember 17, 2021

In the space of just 12 years, investors have experienced two economic events that have caused volatility. What steps can you take…

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Aerial photo of wind turbines surrounded by woods in Wales, UK

Good Money Week: The beginner’s guide to “ethical” money

Investment, The Economy, Pembroke Financial News, ESG, Good Money WeekSeptember 14, 2021

Good Money Week is approaching and aims to raise awareness of ethical finances. Find out what that means and the steps you…

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Calendar with a date circled in red and a note reading “Retire!”

When can you access your pension? It might be further away than you think

Pension, Retirement Planning, Pembroke Financial NewsSeptember 10, 2021

The age you can access defined contribution pensions is rising from 2028, which could affect your retirement plans.

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British prime minister, Boris Johnson

National Insurance and Dividend Tax rise as government suspends State Pension triple lock

Pembroke Financial News, National Insurance Contributions, State Pension Triple LockSeptember 9, 2021

The government has announced a National Insurance and Dividend Tax rise and suspended the State Pension triple lock. Here is what you…

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Senior couple sitting in a colourful park

Why switching to a sustainable pension is the best thing you can do to tackle climate change

Pension, Pembroke Financial News, Sustainability, PensionsSeptember 7, 2021

A sustainable pension could prove to be an environmentally friendly alternative to your standard pension. Read about whether an ESG pension is…

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A busy high street in the daytime

The millennial generation and wealth transfer paves the way for ESG investing boom

Investment, Pembroke Financial Services, Pembroke Financial News, Ethical Investments, ESGAugust 23, 2021

Millennials are the generation most likely to consider ESG issues when investing. With wealth set to pass to them in the coming…

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Desk filled with paperwork and tablet that says “mortgage”

Why interest rates could start to rise in 2022 and what it means for your mortgage

Mortgage, Pembroke Financial Services, Pembroke Financial News, Interest RatesAugust 20, 2021

After more than a decade of low interest rates, they could start to rise. While good news for savers, it could affect…

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Computer screen showing a stock market graph

Market shocks present reasons not to invest but you could miss out

Investment, Pembroke Financial Services, Pembroke Financial NewsAugust 20, 2021

Greater access to the news means it often seems like there’s a reason not to invest. But over the long term, investors…

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Plastic red house sitting on top of a pile of money

Why rising house prices could mean you need to reconsider your Inheritance Tax plan

Tax Planning, Pension, Retirement Planning, Pembroke Financial Services, Pembroke Financial NewsAugust 17, 2021

House prices have soared and could mean that you’re nearing the Inheritance Tax threshold. Taking a proactive approach can help you reduce…

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Senior couple clinking champagne on a yacht deck

Should you take a tax-free lump sum from your pension to celebrate retirement in style?

Tax Planning, Pension, Retirement Planning, Pembroke Financial Services, Pembroke Financial NewsAugust 13, 2021

If you’re nearing retirement age, you may be thinking about taking a tax-free lump sum from your pension. While it can be…

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Woman holding papers with a calculator on the table

7 things you need to do this Pension Awareness Day

Pension, Financial Planning, Pembroke Financial Services, Pembroke Financial NewsAugust 10, 2021

Ahead of Pension Awareness Day, there are some things you can do to make sure your pension is on track to deliver…

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Hiker approaching a fork in a path

5 excuses for not seeking financial advice, and why they’re wrong

Financial Advice, Financial Planning, Pembroke Financial Services, Pembroke Financial News, GoalsJuly 20, 2021

Research suggests 9.4 million Brits aren’t seeking financial advice despite being open to the idea of it. For some, misconceptions, like that…

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Colourful hot air balloon over a green field

Life after lockdown: What do you want to achieve?

Pembroke Financial News, Covid-19, Wellbeing, GoalsJuly 16, 2021

As lockdown restrictions lift, now is a great time to start thinking about what you want to achieve next year and setting…

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Purple for sale sign outside a home

What does the end of the Stamp Duty holiday mean for the property market?

Mortgage, Stamp Duty, Pembroke Financial News, PropertyJuly 13, 2021

The Stamp Duty holiday will end in October. After record-high property prices in June, reports suggest prices could start to fall but…

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City of London financial district skyscrapers

Can you still earn an income from investments in 2021?

Investment, Savings, Financial Advice, Pembroke Financial NewsJuly 8, 2021

The pandemic means many companies have slashed dividends. If you rely on investments to create an income stream, don’t panic – there…

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Mind the gap sign on the London underground

The gender pay gap: How it goes beyond salaries and affects retirement

Retirement Planning, Pembroke Financial News, PensionsJuly 6, 2021

While steps have been taken to close the gender pay gap, it’s still having a huge impact on pension and the financial…

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Young team working on a project in an office

How compounding could help younger generations become a pension millionaire

Pension, Investment, Savings, Pembroke Financial NewsJuly 2, 2021

Retiring with a £1 million pension can seem like an impossible challenge for young workers. Yet, with the benefits of compounding, it…

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4 things parents can do to help children secure a mortgage and financial security

Mortgage, Financial Planning, Pembroke Financial News, First Time BuyersJune 25, 2021

As younger generations struggle to secure a mortgage, you may want to provide support as a parent. There’s more than one way…

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Investment market update: May 2021

Investment, Pembroke Financial NewsJune 24, 2021

Signs continue to point towards economic growth as Covid-19 restrictions lift. However, businesses and economies continue to face challenges, including rising inflation…

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What is shareholder protection and why is it important for business owners?

Pembroke Financial News, Insurance, Business Owners, Shareholder ProtectionJune 22, 2021

If a shareholder passed away or became ill, what would happen to your business? It can present challenges, but a shareholder protection…

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What you need to know if you’re a Power of Attorney

Pembroke Financial News, Power of AttorneyJune 18, 2021

If you’ve been named as a Power of Attorney, it can be daunting. Find out what you need to know and what…

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Over 55s planning once in a lifetime experiences, but could finances hold back aspirations?

Pension, Savings, Financial Planning, Pembroke Financial News, Wellbeing, GoalsJune 15, 2021

Research finds that over 55s are planning to tick off bucket list items as Covid-19 restrictions lift, but some say their finances…

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Retiring in 2021? Planning is key as two-thirds risk depleting their pension savings

Pension, Retirement Planning, Savings, Financial Planning, Pembroke Financial News, Pension PlanningJune 11, 2021

Research suggests that two-thirds of retirees risk running out of money. As well as understanding what income your pension will provide, there…

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World Environment Day: Why restoring ecosystems is important

Pembroke Financial News, World Environment Day, EcosystemsMay 28, 2021

The theme for this year’s World Environment Day is ecosystems. The protection and restoration of ecosystems is a huge task, but one…

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Equity release: As property values soar, could your home help fund your later life?

Mortgage, Retirement Planning, Financial Planning, Pembroke Financial News, Equity ReleaseMay 28, 2021

As property wealth climbs to £6 trillion, more people are using equity release to access this wealth in retirement. It could boost…

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Covid-19 spurs more people to seek financial advice, but it’s not just for times of crisis

Financial Advice, Financial Planning, Pembroke Financial News, Covid-19, Financial FutureMay 25, 2021

Half of UK adults say Covid-19 has prompted them to seek financial advice. However, long-term financial planning can mean families are more…

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5 financial steps new parents should take to protect their family

Financial Advice, Financial Planning, Pembroke Financial News, Financial FutureMay 21, 2021

If you’re a new parent, taking these five financial steps can help provide security for your family now and in the long…

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5 reasons why Generation X need to engage with their pension to achieve security in retirement

Pension, Savings, Financial Planning, Pembroke Financial News, Pension PlanningMay 18, 2021

While retirement may be some way off for Generation X, changes to pensions, lifestyle and the State Pension means they need to…

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How inflation can reduce your pension and what you can do about it

Pension, Investment, Financial Planning, Inflation, Pembroke Financial News, Pension PlanningMay 14, 2021

One overlooked retirement risk is inflation. Without careful planning, inflation can mean your retirement savings don’t go as far in your later…

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10 books to fall in love with from the British Book Awards 2021 shortlist

Pembroke Financial News, WellbeingApril 24, 2021

Britain has a long history of fantastic storytellers, and a new generation of authors have filled this year’s British Book Awards shortlist…

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7 things to consider when choosing your mortgage

Mortgage, Pembroke Financial News, First Time BuyersApril 22, 2021

Whether you’re a first-time buyer or already a homeowner, choosing the right mortgage product for you is important. We explain some of…

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Employee benefits that self-employed workers miss out on, and how to bridge the gap

Pembroke Financial News, Self Employed WorkersApril 20, 2021

Research shows that self-employed workers are missing out on almost £10,000 worth of benefits every year. However, you can take steps to…

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Job market changes present retirement challenges for young workers

Pension, Retirement Planning, Savings, Pembroke Financial NewsApril 15, 2021

While young workers are thinking about pensions and retirement, changes to employment trends mean they’re likely to face different challenges. By thinking…

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IFA Brighton reasons to switch pension providers to boost your retirement savings

5 reasons to switch pension providers to boost your retirement savings (and 3 things to do first)

Pension, Retirement Planning, Savings, Pembroke Financial NewsApril 14, 2021

Most pension savers simply pay into the pension their employer has chosen. But you may want to switch – it could save…

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Pension Lifetime Allowance is frozen until 2026: Will it mean your retirement tax bill soars?

Tax Planning, Pension, Retirement Planning, Pembroke Financial NewsApril 13, 2021

The Lifetime Allowance is frozen until 2026. Exceeding the threshold could mean you pay more tax when you start taking an income…

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Relief for savers as “tax day” sees government announce no significant tax reforms

Tax Planning, The Economy, Pembroke Financial News, Tax Year End, New Tax YearMarch 23, 2021

There was great news for savers today as personal finances were largely untouched by reforms announced on “tax day”. Here’s your summary…

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What would an alternative to Stamp Duty look like?

Tax Planning, The Economy, Stamp Duty, Pembroke Financial NewsMarch 23, 2021

The chancellor is facing calls to scrap Stamp Duty. While it’s an unpopular tax, it’s likely some alternative would needed as residential…

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First-time buyers, have you considered financial protection? The risk could be higher than you think

Protection, Financial Advice, Financial Planning, Pembroke Financial News, First Time Buyers, InsuranceMarch 23, 2021

Taking out a mortgage is a huge financial commitment and creating a safety net to ensure you can pay if something unexpected…

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How has Covid-19 affected ESG investing? Signs suggest it could become mainstream

Pembroke Financial News, Savings & Investments, ESGMarch 19, 2021

While there were concerns that Covid-19 would have a negative impact on ESG investing, reports suggest the opposite is true. More money…

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5 steps to take for successful business succession planning to prime your firm for growth

Pembroke Financial News, Succession Planning, Business OwnersMarch 16, 2021

If you’re a business owner, succession planning can help you nurture talent within your business and provide security.

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Why planning for the 2021/22 tax year now is a fantastic idea

Tax Planning, Investment, Financial Planning, Pembroke Financial News, Tax Year End, Financial FutureMarch 12, 2021

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…

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10 practical financial spring cleaning tips to boost your savings

Financial Planning, Pembroke Financial News, Savings & InvestmentsMarch 9, 2021

The days are getting longer and it’s the perfect time to review your finances to make sure everything is on track.

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Budget 2021 – The winners and losers

Budget, Budget Changes, Pembroke Financial NewsMarch 3, 2021

The measures announced in the Chancellor’s speech today will affect millions of people across the country. Here’s your look at the Budget…

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Your 2021 Budget summary

Budget, Budget Changes, Pembroke Financial NewsMarch 3, 2021

Today, the Chancellor delivered his second Budget. Here’s your summary of the main points announced by Rishi Sunak in his Budget speech.

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International Day of Happiness: 5 reasons to be optimistic - financial advice

International Day of Happiness: 5 reasons to be optimistic

General, Pembroke Financial News, Covid-19, Wellbeing, International Day of HappinessFebruary 26, 2021

In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there are signs…

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Financial Advice Will house prices rise or fall in 2021?

Will house prices rise or fall in 2021?

The Economy, Pembroke Financial News, PropertyFebruary 23, 2021

Despite economic uncertainty, house prices increased in 2020. However, rising unemployment and the end of the Stamp Duty holiday mean a fall…

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Independent financial adviser Keith Bonner says 43% of savers and investors don’t know where to find advice

43% of savers and investors don’t know where to find advice

Financial Advice, Pembroke Financial Services, Pembroke Financial NewsFebruary 19, 2021

More than four in ten people don’t know where to seek financial advice and it could mean they’re missing out on opportunities.…

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Financial advice FTSE 100 suffers worst year since 2008 but your portfolio may still have gained

FTSE 100 suffers worst year since 2008 but your portfolio may still have gained

Pembroke Financial News, Savings & Investments, Stocks & Shares, Covid-19, FTSE 100February 16, 2021

The FTSE 100 suffered its worst performance since the 2008 financial crisis in 2020. Yet, that doesn’t mean your overall investment portfolio…

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Capital Gains Tax review: 2 things that could change Pembroke Financial Services

Capital Gains Tax review: 2 things that could change

Tax Planning, Financial Planning, Pembroke Financial News, Capital Gains TaxFebruary 15, 2021

The government is currently reviewing Capital Gains Tax. It could mean that the allowances or tax bands change, potentially affecting your tax…

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Money Wise Winter 2021 newsletter Independent financial advice

Pembroke Financial Money Wise Winter 2021 newsletter

Tax Planning, Newsletters, ISAsFebruary 15, 2021

In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there are signs…

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Financial advice in Brighton and hove 6 tax allowances to use before 5 April 2021 to boost your finances

6 tax allowances to use before 5 April 2021 to boost your finances

Tax Planning, Financial Planning, Pembroke Financial News, Tax Year EndFebruary 9, 2021

The current tax year ends on 5 April 2021. Some allowances will reset after this date. Making use of them before the…

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5 tips for ‘switching off’ when you’re working from home

5 tips for ‘switching off’ when you’re working from home

General, Remote Working, WellbeingJanuary 27, 2021

Four in ten employees say they find it hard to switch off when they stop working. It’s something more workers are finding…

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Top mortgage advice East Sussex 7 mortgage tips that could save you money in 2021

7 mortgage tips that could save you money in 2021

Mortgage, Savings, Key Guides, Financial Planning, Pembroke Financial NewsJanuary 27, 2021

Reviewing your mortgage and options now could save you money in 2021 and over the rest of your mortgage term. Here are…

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Insurance advice from Pembroke Financial Services Brighton and Hove Protecting your business: What you need to know about key person insurance

Protecting your business: What you need to know about key person insurance

Protection, Pembroke Financial News, Financial Future, Insurance, Key Person InsuranceJanuary 27, 2021

Just one in five SMEs protect their business by taking out key person insurance. It’s a product that can provide peace of…

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Financial health check: How do you score?

Financial Advice, Financial Planning, Pembroke Financial Services, Pembroke Financial News, Wellbeing, Financial FutureJanuary 27, 2021

77% of Brits define financial success as not having to worry about money. However, many aren’t taking steps to prepare for the…

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Have you prepared emotionally for retirement?

Retirement Planning, Financial Planning, Pembroke Financial News, WellbeingJanuary 27, 2021

When approaching retirement, it’s common to organise your pension and other financial areas. But it’s just as important to consider your lifestyle…

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Pension gap: How can women improve their security in retirement?

Pension, Protection, Retirement Planning, Savings, Financial Planning, Pembroke Financial NewsJanuary 27, 2021

Women are retiring with £100,000 less in their pensions on average when compared to men despite progress. However, there are steps women…

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Financial advisers: 7 tips for sticking to your new year’s resolution

7 tips for sticking to your new year’s resolution

General, New Year, GoalsDecember 18, 2020

Are you planning to make a new year’s resolution for 2021? It’s difficult to stick to plans and stay on track. These…

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Mortgage Advice: How to beat the Stamp Duty holiday deadline

How to beat the Stamp Duty holiday deadline

Stamp Duty, Financial Advice, PropertyDecember 15, 2020

If you’re thinking of moving home, beating the Stamp Duty holiday deadline at the end of March 2021 could save you up…

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Financial advice brighton: Research finds that Brits are worryingly exposed to financial shocks

Research finds that Brits are worryingly exposed to financial shocks

Protection, Financial Advice, Financial ShockDecember 11, 2020

While Brits are good at managing their day-to-day finances, many are overlooking planning for the unexpected. This could leave families worryingly exposed…

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Investment advice: What has 2020 taught us about investing?

What has 2020 taught us about investing?

Investment, Financial Advice, Stocks & Shares, Covid-19December 8, 2020

Covid-19 has meant stocks markets in 2020 have experienced volatility, but it’s taught us many valuable investment lessons too. Read our blog…

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Pension advice brighton: The pension basics everyone needs to know

The pension basics everyone needs to know

Pension, Retirement Planning, Key Guides, Financial PlanningDecember 4, 2020

Research has found seven in ten people don’t fully understand how their pension works. We explain the basics that you need to…

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New year’s resolutions to improve your finances

New year’s resolutions to improve your finances

Financial Advice, Financial Future, New YearDecember 1, 2020

New year is the perfect time to get your finances in order. If you want a healthier financial future, here are five…

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Half of workers planning a career change in the coming months due to Covid-19

Half of workers planning a career change in the coming months due to Covid-19

The Economy, Covid-19, Career ChangeNovember 27, 2020

Research suggests that half of workers are planning a career change in the next 12 months, from retraining to work in a…

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Your 2020 Spending Review summary

Your 2020 Spending Review summary

Covid-19, Spending ReviewNovember 25, 2020

Find out more about the announcements Rishi Sunak has made as part of the Spending Review and what they could mean for…

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6 reasons to use a mortgage broker

6 reasons to use a mortgage broker

MortgageNovember 24, 2020

When searching for a mortgage, you may be thinking about finding one by yourself. But working with a mortgage broker does add…

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Why financial lessons are important for children and teens

Financial Advice, Financial EducationNovember 20, 2020

While financial education is now taught in schools, young people are still reaching adulthood with gaps in their knowledge. The good news…

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Balancing investment risk and reward: What should you consider?

InvestmentNovember 17, 2020

All investments come with risks, but how is this linked to the rewards? Our blog explains what you need to consider when…

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Underestimating the amount you need in retirement: How a mid-life check can help

Retirement Planning, PensionsNovember 13, 2020

Two-thirds of those aged 50 to 65 are under saving for retirement. Reviewing your pensions while still working can help you get…

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Are you taking an unsustainable amount from your pension?

PensionsNovember 10, 2020

Figures suggest four in ten people may be taking an unsustainable income from their pension, potentially leading to financial insecurity later in…

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7 signs your work-life balance could benefit from an adjustment

7 signs your work-life balance could benefit from an adjustment

Covid-19, Remote Working, WellbeingOctober 27, 2020

Our working life can spill into personal life and affect our wellbeing, but it’s not always easy to spot when it’s happening…

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Millennials struggle with homeownership: 5 things that could help

Millennials struggle with homeownership: 5 things that could help

First Time Buyers, Help to BuyOctober 23, 2020

71% of millennials are worried they will never be able to buy a home as property prices continue to rise. However, some…

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Mortgage Advice on how the surge in house prices could affect securing a mortgage

How the surge in house prices could affect securing a mortgage

Mortgage, First Time BuyersOctober 20, 2020

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…

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Independent Financial Advice Accessing a Child Trust Fund: What are the options?

Accessing a Child Trust Fund: What are the options?

Savings, Financial Planning, Investments for Children, Savings & Investments, Child Trust FundOctober 16, 2020

Those that turned 18 in September were the first teenagers to be able to access their Child Trust Fund. If your child…

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Investment Advice Good Money Week: ESG and investment sustainability

Good Money Week: ESG and investment sustainability

Investment, Financial Advice, ESG, SustainabilityOctober 13, 2020

With Good Money Week celebrated in October, we explain what ESG investing is and how it could add value to your investment…

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Financial Planning How a will can help you reduce Inheritance Tax

How a will can help you reduce Inheritance Tax

Inheritance Tax, Estate Planning, Financial Planning, WillOctober 9, 2020

A will is an essential part of your estate plan and it could help reduce the amount of Inheritance Tax due on…

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Chancellor announces new Covid-19 economic support – everything you need to know

Chancellor announces new Covid-19 economic support – everything you need to know

Budget, The Economy, Autumn Statement, Budget Changes, Pembroke Financial Services, Covid-19September 25, 2020

Read about the announcements Rishi Sunak has made as part of a new range of measures designed to support the economy through…

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Giving to charity: How it can be tax-efficient too

Tax Planning, The Economy, CharitySeptember 25, 2020

Giving to charity may be part of your financial plan now or in the future. Donations can provide tax benefits too, reducing…

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5 things to expect when you return to work in the office

5 things to expect when you return to work in the office

General, Covid-19, Coronavirus, Remote WorkingSeptember 22, 2020

After months of working remotely during lockdown many are returning to office life. You may be worried about safety, or curious about…

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Older borrowers facing challenges securing mortgages

Older borrowers facing challenges securing mortgages

Mortgage, Retirement Planning, Financial PlanningSeptember 18, 2020

Figures suggest eight in ten borrowers over 55 are struggling to secure a traditional mortgage. If you have mortgage debt remaining in…

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What to do if you have multiple small pension pots

What to do if you have multiple small pension pots

Pension, Retirement Planning, Savings, Financial Planning, Pension PlanningSeptember 15, 2020

Research shows there are millions of small pension pots. It can make it difficult to keep track of retirement savings, but should…

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4 financial steps to take if you’re facing redundancy

4 financial steps to take if you’re facing redundancy

Financial Planning, Covid-19September 11, 2020

A Bank of England poll suggests the unemployment rate could reach 11%. If you are worried about your job situation, understanding the…

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5 things to consider when you come into unexpected money

5 things to consider when you come into unexpected money

Investment, Savings, Financial PlanningSeptember 8, 2020

Coming into unexpected money has the potential to transform your life if used wisely. Here are our five tips on how to…

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Could family income benefit insurance be right for you?

Could family income benefit insurance be right for you?

Investment, Estate Planning, Financial Planning, Life AssuranceAugust 27, 2020

When we plan for the future, it’s also important to think about the unexpected things that might happen. No one wants to…

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Financial Advice: 5 steps that allow you to handle a financial crisis

5 steps that allow you to handle a financial crisis

The Economy, Savings, Financial Advice, Financial PlanningAugust 25, 2020

Even with careful financial planning, shocks can happen. Often financial crises are unexpected and out of our control, so it’s important to…

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Retirement planning as a couple: Balancing different goals

Pension, Retirement Planning, Financial Planning, Pension Planning, Savings & InvestmentsAugust 23, 2020

Planning for retirement should be an exciting time in your life. You’re able to give up work and focus on the things…

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3 financial lessons to teach young adults before they go to university

3 financial lessons to teach young adults before they go to university

Financial Advice, Financial PlanningAugust 21, 2020

Young adults planning to head to university this year have faced more challenges than usual thanks to Covid-19. Yet, come September, thousands…

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5 things you might not know about Equity Release

Mortgage, Retirement Planning, Equity ReleaseAugust 20, 2020

Every year older homeowners use Equity Release to help access millions of pounds to fund retirement. As property prices have risen significantly…

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Pembroke Financial Services in Shoreham ask Could a guarantor mortgage help you secure a home?

Could a guarantor mortgage help you secure a home?

Mortgage, First Time BuyersAugust 18, 2020

If you’ve been saving up to buy your first home, it may feel like the goalposts have been moved. First-time buyers are…

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The economic impact of coronavirus

The economic impact of coronavirus

General, The Economy, CoronavirusJuly 17, 2020

As Covid-19 health concerns begin to fall, worries have shifted to the long-term economic impact. 90% of people are worried about what…

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Cashflow planning: Helping to answer ‘what if…’ questions

Cashflow planning: Helping to answer ‘what if…’ questions

General, Financial Advice, Financial PlanningJuly 14, 2020

It’s natural to wonder what will happen if things don’t go according to your plans. Cashflow planning can help you understand potential…

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Accessing your pension: Annuity vs Flexi-Access Drawdown

Accessing your pension: Annuity vs Flexi-Access Drawdown

General, Investment, Retirement Planning, Financial Advice, Financial Planning, Pension Planning, Stocks & Shares, Covid-19July 10, 2020

Should you choose a guaranteed income in retirement or an option that provides flexibility? Considering five questions can help you decide which…

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Covid-19 market volatility highlights differing investment attitudes of men and women

Covid-19 market volatility highlights differing investment attitudes of men and women

General, Investment, Financial Advice, Stocks & Shares, Covid-19July 7, 2020

Research suggests that men and women have reacted differently to market volatility, but is one of the approaches ‘right’? We look at…

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Low interest rates: Should you remortgage now?

Low interest rates: Should you remortgage now?

General, Investment, Mortgage, Financial AdviceJuly 3, 2020

The Bank of England base rate has been cut to just 0.1%, it could mean an opportunity for mortgage payers to reduce…

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Pembroke Financial services 5 financial podcasts to download this summer

5 financial podcasts to download this summer

General, Financial AdviceJune 30, 2020

There are thousands of podcasts to choose from, covering almost every topic imaginable. If you want to brush up on your financial…

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Our Guide to Individual Savings Accounts (ISAs) for 2020

Our Guide to Individual Savings Accounts (ISAs) for 2020

Tax Planning, Investment, Financial Advice, Financial Planning, ISAsJune 23, 2020

ISAs, or Individual Savings Accounts, have been around for over 20 years. Back in 1999, then Chancellor Gordon Brown introduced the product…

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3 Pembroke Financial IFAs carry the Gold Standard for Pensions

3 Pembroke Financial IFAs carry the Gold Standard for Pensions

Pension, Retirement Planning, Pension PlanningJune 16, 2020

Chartered Financial Planners, Frances Boiling and Guy Ovenden and new Adviser, David Brunning, of Pembroke Financial Services Ltd, one of Sussex’s leading…

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Pembroke Financial Services Coronavirus Update Brighton, Shoreham IFA

Pembroke Financial Services Coronavirus Update

Pembroke Financial Services, Covid-19, CoronavirusJune 9, 2020

These last few months have been interesting times for us all and we want to thank, from the bottom of our hearts,…

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First-time buyers, remember to factor in these costs - Pembroke Financial

First-time buyers, remember to factor in these costs

Mortgage, First Time BuyersJune 2, 2020

It’s easy to see why first-time buyers focus on building a deposit, but other costs need to be factored in too, from…

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Dividends and coronavirus: Will your income be affected?

Dividends and coronavirus: Will your income be affected?

Investment, Wealth Management, Covid-19, CoronavirusMay 30, 2020

As companies announce they’re suspending or reducing dividend payments, you may be worried about what it means for you. Find out more…

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What are your rights if you have a summer holiday booked?

What are your rights if you have a summer holiday booked?

Financial Planning, Covid-19, CoronavirusMay 28, 2020

If you had a summer holiday booked, what are your refund rights amid the coronavirus pandemic? We take a look at when…

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Imminent Retirement Planning in 2020 - Brighton IFA’s 7 step plan

Imminent Retirement Planning in 2020 – Brighton IFA’s 7 step plan

Pension, Retirement Planning, Financial Planning, Pension PlanningMay 26, 2020

If you’re retiring this year, congratulations! Jim Rixon, Independent Financial Adviser at Pembroke Financial Services, who offer expert pensions advice to clients…

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https://pembrokefinancial.co.uk/our-services/retirement-planning/

Sussex IFAs on ‘Why you should have a Power of Attorney in place’

Inheritance Tax, Retirement Planning, Estate Planning, Financial PlanningMay 19, 2020

If you don’t have a Power of Attorney in place, Adrian Moy, one of Pembroke Financial Service’s Independent Financial Advisers and a…

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Is now the time to invest? - Pembroke Financial Shoreham & Brighton IFA's

Is now the time to invest?

Investment, Wealth Management, Financial PlanningMay 12, 2020

With stock markets falling, is now the ‘right’ time to invest? It may seem like a straightforward question, but your personal goals…

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What does the Covid-19 pandemic mean for my pension and retirement?

What does the Covid-19 pandemic mean for my pension and retirement?

Retirement Planning, Financial Planning, Pension PlanningMay 5, 2020

As the coronavirus pandemic continues to dominate world headlines, here’s what it might mean for your pension and retirement plans. You may…

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12 things to do during lockdown to improve your financial well-being

12 things to do during lockdown to improve your financial well-being

Tax Planning, Retirement Planning, Financial Advice, Financial Planning, Pension PlanningApril 28, 2020

These are strange and uncertain times during which the UK Government has advised its citizens to remain at home in order to…

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How to save for retirement in your 20s - Pensions and Retirement Savings

How to save for retirement in your 20s

Mortgage, Retirement Planning, Pension Planning, Retirement Interest Only MortgagesApril 21, 2020

More people in their 20s are saving into a pension than ever before. But what steps should they be taking to get…

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The new tax year dawns (just in case you hadn’t noticed)

The new tax year dawns (just in case you hadn’t noticed)

Mortgage, Retirement Planning, Pension Planning, Retirement Interest Only MortgagesApril 14, 2020

The new tax year is now a week or so old and, whilst we appreciate that this may not be the first…

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A brief guide to retirement interest-only mortgages

A brief guide to retirement interest-only mortgages

Mortgage, Retirement Planning, Pension Planning, Retirement Interest Only MortgagesApril 7, 2020

For anyone nearing retirement with time remaining before your mortgage comes to an end, it can be concerning when a significant portion…

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Sussex IFAs outline the Covid-19 Financial measures: March 2020

Sussex IFAs outline the Covid-19 Financial measures: March 2020

Financial Advice, Financial Planning, Covid-19, CoronavirusMarch 31, 2020

It feels like an eternity, but only 2 weeks ago the new Chancellor, Rishi Sunak, conducted his first Budget which included £7…

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Three points to consider when accessing your pension at 55 - Pembroke IFAs

Three points to consider when accessing your pension at 55

Pension, Retirement Planning, Financial Advice, Financial Planning, Pension PlanningMarch 24, 2020

For the majority, from the age of 55 they have access to their pension. Should you be coming up to your 55th…

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The 2020 Budget Winners and Losers - Analysis by Pembroke Financial

The 2020 Budget Winners and Losers

Budget, Investment, The Economy, Financial Advice, Financial PlanningMarch 17, 2020

On Wednesday 11th March, Rishi Sunak delivered the new Conservative government’s first budget. Backed by a large majority, the essence of the…

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Impact of the Coronavirus outbreak on global investment markets

Impact of the Coronavirus outbreak on global investment markets

Investment, The Economy, Financial Advice, Financial PlanningMarch 10, 2020

Clearly, the Coronavirus outbreak is not a traditional macroeconomic event like say, the 2008 Credit Crunch and the ensuing global economic recession…

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Have you thought about your financial well-being recently?

Wealth Management, Financial Advice, Financial PlanningMarch 3, 2020

We all try to take care of our emotional and physical well-being, but have you given the same consideration to the importance…

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top- ten tips for successful mortgage applications

Top ten tips for successful mortgage applications

Mortgage, Financial AdviceFebruary 25, 2020

Buying a house is one of the most stressful events in many people’s lives. From finding your dream home to finally moving…

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Tax efficient investing Sussex: VCTs continue to attract investors - Pembroke Financial

Tax efficient investing in Sussex: VCTs continue to attract investors

Tax Planning, Investment, Venture Capital Scheme InvestmentsFebruary 18, 2020

The latest statistics from HMRC show that Venture Capital Trusts (VCTs) are increasingly attractive to investors, offering potential tax benefits but substantial…

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Savings Advice Sussex: is the LISA an option for first-time buyers?

Savings Advice Sussex: is the LISA an option for first-time buyers?

Investment, Financial AdviceFebruary 11, 2020

The Help-to-Buy ISA has departed, though you can still pay in if you already had one. But is the Lifetime ISA -or…

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Investment Advice in Sussex: 5 things to keep in mind when you review your investments in 2020

Investment Advice in Sussex: 5 things to keep in mind when you review your investments in 2020

Investment, Financial AdviceFebruary 4, 2020

2019 is over but how has your investment portfolio performed over the last 12 months? We take a look at some of…

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Mortgage Advisers in Sussex: Why financial protection is important when buying your home

Mortgage Advisers in Sussex: Why financial protection is important when buying your home

Investment, Mortgage, Financial AdviceJanuary 28, 2020

Your home is clearly one of the largest purchases you’ll ever make. You’ve probably taken out Buildings and Contents insurance to protect…

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Ethical Investing with Sussex’s leading IFA: Investing on principle

Ethical Investing with Sussex’s leading IFA: Investing on principle

Investment, Financial Advice, Pembroke Financial Services, Ethical InvestmentsJanuary 21, 2020

Whether it’s the Extinction Rebellion protests or Greta Thunberg’s speech to the UN, there has been a renewed focus on climate change…

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Always factor inflation into your financial planning cycle - Pembroke IFA's

Always factor inflation into your financial planning cycle

Retirement Planning, Financial Planning, InflationJanuary 14, 2020

UK Inflation has fallen to its lowest level in almost three years, but it could have a cumulative knock-on effect on your…

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Pembroke Financial IFA Winter Newsletter 2019/2020

Pembroke Financial Services Winter 2019/2020 Newsletter – Money Wise

Tax Planning, Wealth Management, Savings, Newsletters, Financial Advice, Pembroke Financial NewsJanuary 7, 2020

What’s next? …into the new decade. 2019 was quite a year. In the final few months of the year the upheaval and…

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IFAs in Brighton recommend five ways to develop better spending habits

IFAs in Brighton recommend five ways to develop better spending habits

Savings, Pembroke Financial Services, ISAs, Interest Rates, Savings & InvestmentsDecember 31, 2019

At a time of year even more focused on spending than usual, there are a few simple habits you can develop to…

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A very Happy Christmas from all of us at Pembroke Financial Services

A very Happy Christmas from all of us at Pembroke Financial Services

Happy ChristmasDecember 24, 2019

Festive Financial Services joke for the day “Why don’t you ever see Santa in hospital? Because he has private elf care!”. Christmas…

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The Christmas financial gifts that keep on giving - Pembroke Financial IFAs

The Christmas financial gifts that keep on giving

Savings, ISAs, Investments for ChildrenDecember 17, 2019

Christmas is around the corner and adverts for toys and gadgets are everywhere. But have you thought of making a gift of…

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Sussex pension advisers see higher state pension increases on the cards

Sussex pension advisers see higher state pension increases on the cards

Pension, Retirement Planning, State Pension Age, Pension PlanningDecember 10, 2019

The new state pension looks likely to be in line for a relatively large increase next year, but it still won’t to…

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mbroke Financial launch a suite of Responsible investment portfolios

Pembroke launch a suite of Responsible investment portfolios

Investment, Financial Advice, Financial Planning, Ethical InvestmentsDecember 3, 2019

Independent Financial Advisers and Investment specialists, Pembroke Financial Services are delighted to announce the launch of the Prestige Better World Growth portfolio,…

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Investment Advice in Sussex - UK dividend growth continues

Investment Advice in Sussex – UK dividend growth continues, but for how long?

Investment, Financial Advice, Financial Planning, Stocks & SharesNovember 26, 2019

Recent statistics show that dividends from UK shares rose by nearly 7% year-on-year in the third quarter of 2019. The latest Dividend…

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What price our tax reliefs? Some may be in the next Chancellor’s firing line - Pembroke Financial IFA's

What price our tax reliefs? Some of them may be in the next Chancellor’s firing line

Tax Planning, Inheritance Tax, Income TaxNovember 19, 2019

Have you ever pondered the overall cost of the tax reliefs which you enjoy when you look at your annual tax statement?…

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Starting early for tax year end investments - Pembroke Financial, IFA's

Starting early for tax year end investments

Financial Advice, Ethical Investments, Savings & InvestmentsNovember 12, 2019

There is more time to capitalise on opportunities for early year-end tax planning and Venture Capital Trusts (VCTs) are launching their fund-raising…

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High Return Investments - If it looks too good to be true…

High Return Investments – If it looks too good to be true…

Financial Advice, Ethical Investments, Savings & InvestmentsNovember 5, 2019

The recent failure of a promoter of high return investments was a reminder of the dangers of being lured by headline numbers…

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How much is enough on pension contributions? Pembroke Financial IFA's

How much is enough on pension contributions?

Pension, Retirement Planning, Financial Planning, Pension Planning, Workplace PensionsOctober 29, 2019

Pension contributions rose in April for many people, but the increase may still not be enough to fund a comfortable retirement. The…

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Annuity rates have fallen to their lowest level in 25 years as interest rates and drawdown bite

Annuity rates have fallen to their lowest level in 25 years as interest rates and drawdowns bite

Retirement Planning, Annuity Rates, Lifetime AnnuitiesOctober 22, 2019

Annuity rates hit their lowest level since 1994 in September, with implications for those making retirement decisions. Since the introduction of pensions…

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Interest rate cuts? The search for yields gets harder - Pembroke Financial

The search for yields gets harder

Tax Planning, Wealth Management, Income Tax, Pembroke Financial ServicesOctober 15, 2019

In September the Bank of England held off from following the Federal Reserve (the Fed) and the European Central Bank (the ECB)…

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Holding your nerve in volatile times, Autumn Newsletter, Pembroke Financial

Holding your nerve in volatile times – Autumn Newsletter

Tax Planning, Wealth Management, Income Tax, Pembroke Financial ServicesOctober 8, 2019

Welcome to your Autumn 2019 newsletter. We hope you enjoy reading it. It’s almost impossible these days not to think of that…

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Who are the top 1% of income tax payers - Pembroke Financial IFA's

Who are the top 1% of income tax payers?

Tax Planning, Wealth Management, Income Tax, Pembroke Financial ServicesOctober 1, 2019

The top 1% of income tax payers account for 27% of all the UK’s income tax collected, but who are they? A…

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Lasting Power of Attorney (LPA) - the lasting power of peace of mind

The lasting power of peace of mind

Protection, Inheritance Tax, Financial Planning, Power of AttorneySeptember 24, 2019

More people are now setting up a Lasting Power of Attorney (LPA)… and not just those in later life. The growing use…

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How do you feel about state pension age increasing to 75?

How do you feel about state pension age increasing to 75?

Pension, Retirement Planning, State Pension Age, Pembroke Financial ServicesSeptember 17, 2019

A report from a Conservative think tank suggesting a quicker rise to a state pension age of 75 has ruffled feathers, but…

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A bumpy ride for August on the markets - Pembroke Financial IFA's

A bumpy ride for August on the stock markets

Tax Planning, Wealth Management, Pembroke Financial Services, Savings & Investments, Stocks & SharesSeptember 10, 2019

August was a rollercoaster month for international markets with interest rates, trade wars and Brexit contributing to a bumpy ride. Stock markets,…

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Money purchase pension annual allowance penalties – pick a number - Pembroke Financial

Money purchase pension annual allowance penalties – pick a number, any number.

Investment, Financial Advice, Financial Planning, Pembroke Financial ServicesSeptember 3, 2019

Freedom of Information (FoI) requests have highlighted a lack of HMRC’s knowledge about how many people have been hit with pension annual…

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New headaches for landlords - Pembroke Financial IFA's

New headaches for private landlords

Investment, Financial Advice, Financial Planning, Pembroke Financial ServicesAugust 27, 2019

Private landlords could find it harder to evict tenants in future, thanks to new government legislation. Landlords will no longer be able…

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New prime minister, new tax policies - Pembroke Financial IFA's

New prime minister, new tax policies

Tax Planning, Financial Advice, Financial Planning, Pembroke Financial ServicesAugust 20, 2019

Boris Johnson took office towards the end of last month with a new chancellor in Sajid Javid, both with different ideas from…

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Balancing the school fees equation - Pembroke Financial Services

Balancing the school fees equation

Financial Advice, Financial Planning, Pembroke Financial Services, School Fees PlanningAugust 13, 2019

School fees are rising faster than the rate of inflation, creating financial challenges for parents who want to educate their children privately.…

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Personal Pensions Advice from Pembroke Financial Services

When it comes to funds, the best investment advice is personal

Investment, Financial Advice, Financial Planning, Pembroke Financial ServicesAugust 6, 2019

The recent trials of the Woodford fund highlight the importance of personal advice on your investments. The suspension of dealings in this…

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Could we see the back of inheritance tax? - Pembroke Financial IFA's

Could We See the Back of Inheritance Tax?

Inheritance Tax, Estate Planning, Financial Advice, Pembroke Financial ServicesJuly 30, 2019

Widely regarded as the most unpopular tax, IHT is under scrutiny from both government and opposition. Is it time it was scrapped…

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Investor expectations have been dialled up by the market returns recently

Inflated expectations

Investment, Retirement Planning, Financial PlanningJuly 23, 2019

Investor expectations have been dialled up by the market returns of recent years. Independent Financial Advisers will need to add perspective and…

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Brave new world of UBI? - Pembroke Financial IFA's

Brave new world of Universal Basic Income (UBI)?

Tax Planning, Income Tax, Financial Planning, UBIJuly 16, 2019

If those three letters mean nothing to you now, they may do soon. Universal Basic Income – or UBI – is becoming…

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A second successful Midnight Walk for St Barnabas…. and a thank you!

A second successful Midnight Walk for St Barnabas…. and a thank you!

Pembroke Financial Services, Pembroke Financial News, In The CommunityJuly 9, 2019

This time it was ‘Team Marshall’, organised and captained by Ryan Marshall’s wife, Maxine. Maxine (who walked with the Pembroke Plodders last…

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Pensions and divorce – not just about the split - Pembroke Financial IFA's

Pensions and divorce – not just about the split

Pension, Financial Advice, Financial Planning, Pension PlanningJuly 2, 2019

When it comes to dividing up assets on divorce, pension rights can turn out to be one of the most valuable elements…

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dividends wobble with 40 percent cuts

Dividends wobble with 40% cuts

Investment, Savings, Stocks & SharesJune 25, 2019

From a record high in the first quarter of 2019, dividends were knocked by some high-profile cuts in May. Recent dividend announcements…

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How well do you understand inheritance tax? - Pembroke Financial IFA's

How well do you understand inheritance tax?

Inheritance Tax, Financial PlanningJune 18, 2019

Only one in four respondents to an HMRC survey completely understood how the inheritance tax (IHT) system could work for them. How…

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Pension flexibility: too taxing for many - Pembroke Financial IFA's

Pension flexibility: too taxing for many

Tax Planning, Pension, Retirement Planning, Financial AdviceJune 11, 2019

Lump sum withdrawals under pension flexibility are resulting in over-paid tax due to emergency tax codes. Don’t be caught out. Recent HMRC…

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Ripple effect widens for China investors - Pembroke Financial IFA's

Ripple effect widens for China investors

Investment, Savings, Financial Advice, Savings & InvestmentsJune 4, 2019

It is not only Chinese mainland shares which are now attracting investor attention. China is in the investment news again as Bloomberg…

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A popular peak for venture capital trusts - Pembroke Financial IFA's

A popular peak for venture capital trusts

Savings, Venture Capital Scheme Investments, Savings & InvestmentsMay 28, 2019

Venture capital trust (VCT) investment is at a 10-year high. There may be opportunities early in the tax year to explore your…

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Riding out the US investment bends - Pembroke Financial - Brighton IFA's

Riding out the US investment bends

Investment, Savings, Financial AdviceMay 21, 2019

A brief dip in US Treasury securities yields illustrates the benefits of holding your nerve amid investment ‘noise’. On 22 March the…

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Retirement planning - how long do you want to work...?

Retirement Planning – How long do you want to work… ?

Pension, Retirement Planning, Pension PlanningMay 14, 2019

New labour market figures show record levels of employment for the over 65s. As people are living longer, a parallel older-age profile…

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Living Longer, will your pension last? Pensions Planning advice from Pembroke Financial Services

Living longer, but will your pension last? Pension planning is essential

Pension, Retirement PlanningMay 7, 2019

Statistics are showing a slowdown in the rate of improvements on our longevity, but don’t let the headlines mask the reality –…

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Planning the longest holiday of your life - Retirement Planning

Planning the longest holiday of your life – Retirement Planning Key Guide

Retirement Planning, Key GuidesApril 30, 2019

There comes a time when you stop working for your money and put your money to work for you. For most people,…

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ISA's - Happy 20th birthday!! - Pembroke Financial Brighton IFA's

ISA’s – Happy 20th birthday!!

Investment, Wealth Management, Financial Planning, Pembroke Financial Services, ISAsApril 23, 2019

ISAs celebrate their 20th birthday this April. If you haven’t reviewed yours in a while, this a good opportunity to ensure they…

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China emerges on to the investment stage - Pembroke Financial IFA's

China emerges on to the investment stage

Investment, Wealth Management, Financial Planning, Pembroke Financial ServicesApril 16, 2019

Chinese investment markets set to become increasingly important part of investment portfolios as share of Emerging Markets Index likely to quadruple. China…

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Planning for the 100-year life - Pembroke Financial - Brighton IFA's

Planning for the 100-year life

Retirement Planning, Financial Planning, Pension PlanningApril 9, 2019

Your chances of reaching 100 are probably greater than you imagine. It may sound fanciful, but a 100-year lifespan is well within…

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Ringing the changes of the new tax year - Pembroke Financial, IFA's

Ringing the changes of the new tax year

Tax Planning, Tax Year End, New Tax YearApril 2, 2019

The tax year 2018/19 ends on Friday 5 April, which means it’s time to start planning for the new tax year and…

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One more twist on buy to let - Pembroke Financial - Brighton IFA's

One more twist on buy to let

Investment, Mortgage, Buy to LetMarch 26, 2019

Buy-to-let investors will be hit by the latest phase of tax changes coming in from April, coupled with changes to CGT payment…

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Your 2018/2019 tax tables - Pembroke Financial - Brighton IFA's

Your 2019/2020 tax tables

Tax Planning, Tax TablesMarch 19, 2019

Full of useful information to have at your fingertips for the coming tax year. Please find attached Pembroke’s updated Tax Tables for…

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Check your April pay slip

Check your April pay slip

Automatic Enrolment, Income TaxMarch 12, 2019

April is the one month in the year it pays to check your payslip with new tax and auto-enrolment rates coming into…

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Pembroke becomes Adur Special Needs Projects first Corporate Sponsor

Pembroke becomes Adur Special Needs Projects first Corporate Sponsor

Pembroke Financial Services, In The CommunityMarch 5, 2019

We are absolutely delighted to become Adur Special Needs Project’s (ASNP) first business sponsor. Our sponsorship of this fabulous little local charity…

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Inheritance tax reductions ahead of potential reform - Pembroke Financial

Inheritance tax reductions ahead of potential reform

Tax Planning, Inheritance TaxFebruary 26, 2019

Future increases to the residence nil rate band might be in question, thanks to the OTS review of inheritance tax. Inheritance tax…

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Happy birthday to tax-free savings

Happy birthday to tax-free savings

Investment, Savings, ISAsFebruary 19, 2019

It’s the 20th birthday for tax-free investment in ISAs. With the deadline for contributions approaching, have you made the most of your…

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Preparing for the new tax year with Pembroke Financial Services

Preparing for the new tax year

Tax Planning, Pension, Income Tax, National Insurance ContributionsFebruary 12, 2019

Changes to income tax, NICs and pension contributions are coming for 2019/20. One of the few certainties about 2019 is that the…

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Earnings thresholds will rise with auto-enrolment contributions

Do your employees know that earnings thresholds are rising with auto-enrolment contributions?

Pension, Retirement Planning, Automatic EnrolmentFebruary 5, 2019

In early December the Department for Work and Pensions (DWP) announced the thresholds that should apply to automatic enrolment pension contributions from…

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Filling the pensions hole for the self-employed - Pembroke Financial

Filling the pensions hole for the self-employed

Pension, Retirement Planning, Automatic EnrolmentJanuary 29, 2019

The Department for Work and Pensions (DWP) is aiming to expand pension coverage among the self-employed. Pension automatic enrolment – or Workplace…

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The world’s share markets mostly saw falls in 2018

The world’s share markets mostly saw falls in 2018

Investment, Wealth Management, Financial AdviceJanuary 22, 2019

2018 was a much more volatile year than its predecessor for investors as Brexit and Trump worried the markets. 2018 was a…

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The FCA advises caution with crypto-currencies

The FCA advises caution with crypto-currencies

Investment, Wealth Management, Savings, Financial AdviceJanuary 15, 2019

The Financial Conduct Authority (FCA) is warning consumers about investment scams that purport to invest in crypto-currencies. The watchdog has seen a…

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Shake up your financial New Year’s resolutions

Shake up your New Year’s resolutions

Pension, Investment, Inheritance Tax, Retirement Planning, Wealth Management, Financial AdviceJanuary 8, 2019

New year, new resolutions to break? Try our four financial resolutions with long term benefits. Have your New Year resolutions fallen by…

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Don’t ignore your credit report come and chat to Pembroke Financial Services

Don’t ignore your credit report

Mortgage, Financial Advice, Credit ReportsJanuary 1, 2019

It pays to be aware of your credit history to ensure no-one is applying for loans or credit cards in your name.…

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Christmas Wishes from Pembroke Financial Services - Brighton IFA's

Christmas Wishes from Pembroke Financial Services

Financial Planning, Pembroke Financial Services, Pembroke Financial NewsDecember 21, 2018

At the festive season, our thoughts turn gratefully to those who have made our progress possible. It is in this spirit that…

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Growing ethical investment for sustainable returns independent financial advisers brighton

Growing ethical investment for sustainable returns

Investment, Savings, Ethical InvestmentsDecember 18, 2018

The amount of money invested in ethical funds has trebled over the past 10 years according to the Investment Association. The growing…

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State pension age equality means increases for everyone

State pension age equality means increases for everyone

Pension, Retirement Planning, State Pension AgeDecember 11, 2018

The State Pension Age (SPA) became equal for men and women for the first time, at age 65, on 6 November 2018.…

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Unmarried couples lack the rights of married couples

Unmarried couples lack the rights of married couples

Tax Planning, Inheritance Tax, Estate Planning, Financial PlanningDecember 4, 2018

Two recent events have shone different lights on the government’s view of unmarried couples. As the graph shows, marriage has been drifting…

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HMRC spotlights IHT returns as a new case shows risks of late planning

HMRC spotlights IHT returns as a new case shows risks of late planning

Tax Planning, Inheritance Tax, Estate Planning, HMRCNovember 27, 2018

Imagine you are named as the executor and a beneficiary of your wife’s wealthy aunt. You learn that she is suffering from…

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Is Inflation eating into the value of your savings?

Investment, Savings, Financial PlanningNovember 20, 2018

Interest rates on instant access savings accounts continue to be outstripped by inflation, so where should you invest your money? At the…

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The Budget 2018: an end to austerity? What did it mean for you?

The Budget 2018: an end to austerity? What did it mean for you?

Pension, Retirement Planning, Financial Planning, Pension PlanningNovember 13, 2018

The 2018 Budget, which was delivered on a Monday for the first time since 1962, produced a number of surprises, not least…

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Leading think tank proposes radical shake up of UK's tax system

Leading think tank proposes radical shake up of UK’s tax system

Pension, Retirement Planning, Financial Planning, Pension PlanningNovember 6, 2018

The Institute for Public Policy Research (IPPR) is a centre-left think tank that has a long history of influencing Labour Party policy.…

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Cash ISAs fall out of favour as inflation outstrips interest rates

Cash ISAs fall out of favour as inflation outstrips interest rates

Investment, Wealth Management, Savings, Financial Advice, Financial PlanningOctober 30, 2018

The popularity of Cash ISAs is continuing to wane according to new statistics from HMRC. With inflation persistently above interest rates, it’s…

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Class 2 National Insurance Contributions are here to sta

Class 2 National Insurance Contributions are here to stay

General, Income Tax, National Insurance ContributionsOctober 23, 2018

Self-employed workers with small profits breathe a sigh of relief as the Chancellor has changed his mind – again – on National…

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Global stock markets are showing very mixed results in 2018

Global stock markets are showing very mixed results in 2018.

Investment, Wealth Management, Savings, Financial Advice, Financial PlanningOctober 16, 2018

Is your investment plan making the most of the opportunities out there? Ryan Marshall, Investment specialist and Independent Financial Adviser at Pembroke…

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Trick or treat? The Chancellor calls the 2018 Budget for late October

Tax Planning, Budget, Retirement Planning, Financial PlanningOctober 9, 2018

What should we expect from the 2018 Budget? Will the Chancellor turn to inheritance tax, fuel duty, stamp duty, a digital tax…

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Auto enrolment into Workplace Pensions six years on - a success?

Auto enrolment into Workplace Pensions six years on – a success?

Pension, Retirement Planning, Financial Planning, Pension PlanningOctober 2, 2018

There is absolutely no doubt that pension savings have grown after six years of Automatic Enrolment, but more progress is required to…

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Is your pension planning good enough to cover your retirement years?

Is your pension planning good enough to cover your retirement years?

Pension, Retirement Planning, Financial Planning, Pension PlanningSeptember 25, 2018

…the beginning of the end for rising life expectancy? A paper published in August by the Office for National Statistics (ONS) casts…

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Record inheritance tax revenues ahead of simplification review

Record inheritance tax revenues ahead of simplification review

Tax Planning, Inheritance Tax, Retirement PlanningSeptember 18, 2018

As inheritance tax (IHT) receipts hit a record for the Treasury, is it time to review your estate planning ahead of any…

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Interest rates start to creep up after nine years- more to come?

Interest rates start to creep up after nine years – more to come?

Investment, Wealth Management, Financial Advice, Financial PlanningSeptember 11, 2018

The Bank of England increased the base interest rate in August to 0.75% – the second increase in 12 months. The Bank’s…

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Planning the longest holiday of your life - Retirement Planning

Our updated Key Guides series: July 2018

Key GuidesSeptember 4, 2018

Whilst most of us basked in the hottest summer for over half a century, the government is busy running consultations and trying…

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OBR forecasts to force government to raise taxes next Budget?

OBR forecasts to force government to raise taxes next Budget?

Tax Planning, Budget, Income TaxAugust 28, 2018

The long-term outlook for government finances suggests that tax increases are inevitable. The Office for Budget Responsibility (OBR) produces medium-term financial forecasts…

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2018 proves volatile for investors after the smooth sailing of 2017

2018 proves volatile for investors after the smooth sailing of 2017

Investment, SavingsAugust 21, 2018

The first six months of 2018 were unpredictable times for investors as global stock markets suffered a sudden bout of volatility. The…

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LISAs mauled by Select Committee - Should you invest before they disappear?

LISAs mauled by Select Committee – Should you invest before they disappear?

Investment, Savings, ISAsAugust 14, 2018

The Lifetime ISA (LISA) may not survive after low uptake by providers and fresh criticisms from parliament. The LISA has been reviewed…

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More pre-Budget rumours of changes to pension tax relief

More pre-Budget rumours of changes to pension tax relief

Investment, Savings, Interest RatesAugust 7, 2018

The prospect of a flat rate of tax relief on pension contributions has resurfaced in the national press. The cost of pension…

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Important rate announcements made in June in the UK and the US

Important rate announcements made in June in the UK and the US

Investment, Savings, Interest RatesJuly 31, 2018

Interest rates for the Eurozone and US diverge leading to currency fluctuations as investment markets prepare for base rate rises. The US…

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NS&I put the brakes on investments for their Growth and Income bonds

NS&I put the brakes on investments for their Growth and Income bonds

Investment, Wealth Management, National Savings, SavingsJuly 24, 2018

National Savings & Investments (NS&I) has introduced limits on its offerings for wealthier savers. In mid-June NS&I announced a revision to the…

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New data from HMRC shows where income tax revenue comes from

New data from HMRC shows where income tax revenue comes from

Tax Planning, Income Tax, HMRCJuly 17, 2018

Who pays the most income tax? HMRC’s latest statistics provide an interesting insight into the income tax paying population. These figures reveal…

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A Successful Midnight Walk for St Barnabas…. thank you

A Successful Midnight Walk for St Barnabas…. thank you

Pembroke Financial Services, Pembroke Financial News, In The CommunityJuly 10, 2018

Can we say a huge thank you to everyone who supported us for this most worthy of causes. St Barnabas benefited by…

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Pension scams and cold calling - Be on your guard

Pension scams and cold calling – Be on your guard

Pension, Retirement PlanningJuly 3, 2018

Be wary of cold-callers who offer a ‘free’ pension review – it could cost you more than you think. Cold-calling has increased…

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Interest rates likely to rise this year, despite being held in May

Interest rates likely to rise this year, despite being held in May

Interest RatesJune 26, 2018

The Bank of England did not raise interest rates in May, despite earlier suggestions that it would. About four years ago a…

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Transfers out of private sector final salaries pensions boomed in 2017

Transfers out of private sector final salaries pensions boomed in 2017

Pension, Retirement Planning, Financial PlanningJune 19, 2018

There was a dramatic increase in the number and the value of transfers out of defined benefit (usually final salary) pension schemes…

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Please help us achieve our target for our Midnight Walk for St Barnabas

Please help us achieve our target for our Midnight Walk for St Barnabas

Pembroke Financial Services, Pembroke Financial News, In The CommunityJune 12, 2018

You will remember that we messaged you at the beginning of May telling you that we hoped to raise at least £500…

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Heard about the potential savings from Relevant Life Assurance Policies?

Heard about the potential savings from Relevant Life Assurance Policies?

Financial Planning, Relevant Life Policies, Life AssuranceJune 5, 2018

No? A little-known type of life assurance policy could provide you – or your employees – with highly tax-efficient life cover…

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What Will Your Pension Pot Mean at Retirement? Are You Saving enough?

What will your pensions savings mean at retirement and are you saving enough?

Pension, Retirement Planning, SavingsMay 29, 2018

It is most definitely worth working out what your potential pension pot could actually buy for you in terms of income and…

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An unexpected dip in UK inflation delays interest rate rise in May

An unexpected dip in UK inflation delays interest rate rise in May

Inflation, Interest RatesMay 22, 2018

UK inflation is falling faster than expected, as the March figure for the Consumer Price Index (CPI) was 2.5%. Could we have…

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Graduates get a break as student loan repayment threshold rises

Graduates get a break as student loan repayment threshold rises

Financial PlanningMay 15, 2018

The income threshold at which student loan repayments begin rose on 6 April 2018. English and Welsh students who started their courses…

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Couples can save an extra £20k in inheritance tax from April

Couples can save an extra £20k in inheritance tax from April

Investment, Financial Planning, Venture Capital Scheme InvestmentsMay 8, 2018

Couples could now save an extra £20,000 of inheritance tax (IHT), as the residence nil rate band (RNRB) increased in April 2018.…

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The Pembroke Plodders are walking for St Barnabas!

The Pembroke Plodders are walking for St Barnabas!

Pembroke Financial Services, Pembroke Financial News, In The CommunityMay 1, 2018

The ‘Night to Remember Midnight Walk’ in Worthing raises money for a great cause – St Barnabas House. It all happens on…

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New risk criteria for venture capital schemes in 2018

New risk criteria for venture capital schemes in 2018

Investment, Financial Planning, Venture Capital Scheme InvestmentsApril 24, 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…

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The benefits of early ISA investments - Pembroke Financial Services

The benefits of early ISA investments

Investment, Financial Advice, ISAsApril 17, 2018

Don’t wait for the end of tax year reminders! There are advantages to planning your ISA investments at the beginning of the…

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Pembroke Financial Welcomes Frances Boiling to The Team

Financial Advice, Pembroke Financial Services, Pembroke Financial NewsApril 10, 2018

Pembroke Financial Services are absolutely delighted to announce the arrival of Frances Boiling as the latest addition to their 9 strong IFA…

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2018/2019 tax tables and the Chancellor’s first Spring Statement

2018/2019 tax tables and the Chancellor’s first Spring Statement

Tax PlanningApril 10, 2018

These tables are up-to-date with everything announced in the Spring Statement, giving you all the key numbers in one place. Mr Hammond…

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Your Financial Key Guides for 2018: Nothing Stands Still - Pembroke Financial

Your Financial Key Guides for 2018: Nothing Stands Still

Tax Planning, Pension, Investment, Retirement Planning, Savings, Key GuidesApril 3, 2018

Despite some high-profile giveaways from the Chancellor’s second Budget of 2017, the message was very much one of continuity and a desire…

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New tax rates apply from 6 April. Summary now available

New tax rates apply from 6 April – summary now available

Tax Planning, Income TaxMarch 27, 2018

The start of the new tax year on 6 April marks several changes to tax and related matters that could make you…

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Government refund of fees for Power of Attorney registrations

Government refund for Power of Attorney fees for registration between April 2013 and March 2017. Are you eligible?

Inheritance Tax, Retirement Planning, Power of AttorneyMarch 20, 2018

You could well be due a refund if you have registered a Power of Attorney in recent years. It’s not often that…

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The ISA inheritance rules are simplified for couples from 6 April

The ISA inheritance rules are simplified for couples from 6 April

Investment, ISAsMarch 13, 2018

Back in 2014 the then Chancellor of the Exchequer , George Osborne, announced that that Individual Savings Accounts (ISAs) would become inheritable…

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The Spring Statement – replacing the Spring Budget – is on 13 March

Budget, The EconomyMarch 6, 2018

There will be no Spring Budget this March, but that doesn’t necessarily mean that the Chancellor, Phillip Hammond will be keeping silent….

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Your tax year end planning – how Pembroke Financial can help

Your tax year end planning – how Pembroke Financial can help

Tax Planning, Financial PlanningFebruary 27, 2018

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…

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The deadline is approaching for using your ISA allowances

The deadline is approaching for using your ISA allowances

Investment, Financial Planning, ISAsFebruary 20, 2018

Your Individual Savings Account (ISA) allowances expire on 5th April and with a lower dividend allowance from 18/19, should you be looking…

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There is still time for tax year end pension contributions

Tax Planning, Pension, Financial PlanningFebruary 13, 2018

With the tax year end approaching, have you maximised your pension contributions? Both February and March are rightly popular times for reviewing…

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A Helping Hand for Whoopsadaisy from Pembroke Financial Services

A Helping Hand for Whoopsadaisy from Pembroke Financial Services

Pembroke Financial Services, Pembroke Financial NewsFebruary 6, 2018

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…

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savings and investments advice from Pembroke Financial

How can you help counter the effects of rising inflation and low interest rates in your investment choices?

Investment, Savings, Financial PlanningJanuary 30, 2018

Prices have been rising at their fastest rate for five years. Annual inflation (as measured by the Consumer Prices Index or CPI)…

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The next steps for auto-enrolment start this April, with more change on the cards.

The next steps for auto-enrolment start this April, with more change on the cards.

Investment, Savings, Financial PlanningJanuary 23, 2018

The Automatic Enrolment of employees into workplace pensions has been a greater success than many predicted when it was introduced in October…

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A good year for global share markets - but are we to expect a volatile 2018?

A good year for global share markets – but are we to expect a volatile 2018?

Investment, Savings, Financial PlanningJanuary 16, 2018

The world’s share markets were a profitable place to be in 2017, but the year was not without its drama. We saw…

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Investing for children – it’s not just for Christmas!

Investing for children – it’s not just for Christmas!

Investment, Savings, Investments for ChildrenJanuary 9, 2018

National Savings has closed one option, but there are many more possibilities to consider. Back in September of last year National Savings…

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Pembroke Financial Services - Winter 2017 Newsletter

Pembroke Financial Services – Winter 2017 Newsletter

General, Wealth Management, NewslettersJanuary 2, 2018

Welcome to your Winter 2017 newsletter. We hope you enjoy reading it. It’s been quite a year. Two Budgets and an election…

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What did November’s interest rate rise mean for you?

What did November’s interest rate rise mean for you?

Investment, Savings, Inflation, Interest RatesDecember 26, 2017

November marked the first rise in the Bank of England Base Rate in over ten years. At the start of November, the…

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NS&I increase interest rates and lower the odds of winning.

NS&I increase interest rates and lower the odds of winning.

Investment, National Savings, SavingsDecember 19, 2017

At the start of November, the Bank of England raised its base rate for the first time since 5 July 2007 and…

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Buy-to-let investors took a hidden hit in the Autumn Budget

Buy-to-let investors took a hidden hit in the Autumn Budget

Budget, Investment, MortgageDecember 12, 2017

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…

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Why you should buy financial advice and who to buy it from?

Why buy financial advice and who to buy it from?

Financial Advice, Financial Planning, Pembroke Financial ServicesDecember 5, 2017

Deciding to pay for financial advice is a big step. It is normal to question yourself, especially as the results of this…

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Autumn Budget snippets… from a Financial Planners’ perspective

BudgetNovember 28, 2017

In truth, there were no momentous changes to tax or pensions announced in last week’s Budget which will have any significant impact…

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Pembroke FinancialServices

Nothing stands still – New Financial Key Guides Available

Pension, Retirement Planning, Savings, Key GuidesNovember 21, 2017

Now that the nights are drawing in again, the heady times earlier in the year around the Budget and then election seem…

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Will current inflation levels really boost state pension income?

Will current inflation levels really boost state pension income?

Pension, Wealth Management, InflationNovember 14, 2017

State pensions will rise by 3% next April, but it’s not all strictly good news. The BBC website, covering the announcement that…

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The Bank of England finally raises interest rate after inflation dodges 3%

The Bank of England finally raises interest rate after inflation dodges 3%

Investment, Savings, Inflation, Interest RatesNovember 7, 2017

The September inflation rate was just low enough to spare Bank of England (BoE) Governor, Mark Carney, from having to write to…

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Are Cash ISAs losing favour?

Investment, Savings, Financial Planning, ISAsOctober 31, 2017

In the world of ISAs, cash ISAs have long attracted more contributions than their stocks and shares counterpart. However, new statistics from…

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What space does the Chancellor have for change in his Autumn Budget in November?

Tax Planning, Pension, Budget, Financial PlanningOctober 24, 2017

The Chancellor, Phillip Hammond, announced the date of his first Autumn Budget as Wednesday 22 November and this will be his second…

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Are you covered on personal lending?

Financial Planning, Personal LendingOctober 17, 2017

The boom in personal lending is worrying the Bank of England. The rate at which people are taking out loans, maximising store…

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Inheritance tax receipts hit a new high according to HMRC

Inheritance TaxOctober 10, 2017

Inheritance tax (IHT) is raising more than ever according to HM Revenue & Customs. How much do you want to contribute? IHT…

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How many different ways can we measure inflation? More than you might think

The Economy, InflationOctober 3, 2017

August was a month when inflation hit the news headlines several times trailing with it a cloud of acronyms: The Bank of…

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A Junior ISA with a minor interest rate!

Investment, Savings, ISAsSeptember 26, 2017

National Savings and Investments (NS&I) have entered the Junior ISA market. In 2011, the Junior ISA (JISA) was introduced as a replacement…

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Seven tax tips for 2017/18

Tax PlanningSeptember 19, 2017

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…

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Self-employed workers are under-insured and struggle to save

Pension, Protection, Retirement Planning, Savings, Self Employed WorkersSeptember 12, 2017

As the dream of retirement creeps further out of reach, Self-employment has become the route of many. There are around five million…

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Pembroke FinancialServices

The Latest Pembroke Financial Services Guide to the Taxation of Property

Tax Planning, Key Guides, Property TaxationSeptember 5, 2017

The Latest Pembroke Financial Services Guide to the Taxation of Property, covering the key implications of taxation of property including buying, renting…

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Pembroke’s new blood – introducing two new members of our team

Pembroke Financial Services, Pembroke Financial NewsAugust 29, 2017

A warm Pembroke welcome to our two new members of staff who take our numbers back to 17 and strengthen the administration…

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Pembroke FinancialServices

The Pembroke Financial Services Guide to Making the Most of ISAs

Investment, Savings, ISAsAugust 22, 2017

ISAs have become a key component of an IFAs’ savings and investment plans for clients. With the addition of new versions of…

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There is a danger that pension flexibilities encourage DIY pension planning.

Pension, Retirement PlanningAugust 15, 2017

Two years on from the introduction of pension ‘freedoms’ or pension ‘flexibility’, the Financial Conduct Authority (FCA) has examined its impact and…

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Mortgage brokers are top with Consumers

MortgageAugust 8, 2017

A new poll has revealed how much mortgage customers value the services of their mortgage brokers. Of the 1,500 surveyed by Legal…

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Inflation – Prices rising at their fastest rate for nearly four years

Investment, The Economy, InflationAugust 1, 2017

Whilst May inflation data came as a surprise to many pundits – the expectation had been for inflation, as measured by the…

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The End of an Era… Keith John Stevens fondly known as KJS …we wish you well!

General, Pembroke Financial ServicesAugust 1, 2017

23 years , 11 months and 7 days after he started his journey on the “good ship Pembroke” as he calls it…

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Household savings hit record low

Investment, The EconomyJuly 25, 2017

Household savings have reached a record low, with UK residents saving on average only 1.7% of their earnings, according to the latest…

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Financial advice leaves people £40k better off

Wealth Management, Financial Advice, Financial PlanningJuly 18, 2017

A new report has found that people who receive financial advice are on average £40,000 better off than those who don’t. Research,…

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Investment indices don’t tell the whole story for the first half of 2017

Investment, The EconomyJuly 11, 2017

The first six months of 2017 have presented investors with an interesting half year. – There were several serious terrorist attacks, -…

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The Inheritance Tax Residence Nil Rate Band… not all it seems

The Inheritance Tax Residence Nil Rate Band… not all it seems

Inheritance Tax, Estate PlanningJuly 6, 2017

The inheritance tax (IHT) residence nil rate band is now available and could potentially cut the IHT bill on your estate by…

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The importance of diversifying your investments

The importance of diversifying your investments

Investment, Wealth ManagementJuly 4, 2017

We have seen how unexpected events can impact on investment markets – last year with Brexit and Trump and this year with…

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The next increase in State Pension Age has edged nearer

Pension, Retirement Planning, State Pension AgeJune 20, 2017

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…

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The importance of financial planning reviews

GeneralJune 20, 2017

Several important changes to tax and benefits were introduced at the beginning of 2017/18, so it makes sense to review your financial…

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social care p;lanning

The politics of social care – the dispute continues.

Retirement Planning, The Economy, Social CareJune 13, 2017

The politics of social care – the dispute continues. The past few months’ general election campaign provided a reminder that the issue…

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The 2017 election manifestos offered precious little good news on the future of income tax.

Tax Planning, Income TaxJune 6, 2017

The 2017 election manifestos offered precious little good news on the future of income tax. We would say that judging by the…

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probate fees

The changes to Probate fees are an election casualty few will mourn.

Inheritance Tax, Probate FeesMay 30, 2017

The changes to Probate fees are an election casualty few will mourn. The snap General Election has put a stop to planned…

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State pensions are not quite what was advertised

State pensions are not quite what was advertised.

Pension, Retirement PlanningMay 23, 2017

State pensions are not quite what was advertised – over half of eligible pensioners are not receiving the full new State Pension…

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Pembroke FinancialServices

Our updated Key Guides series: April 2017

Pension, Retirement Planning, Savings, Key GuidesMay 16, 2017

We’ve recently reviewed our series of Key Guides as usual at this time of year. These specialist publications provide you with expert…

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Spring Budget casualties from the snap election

Spring Budget casualties from the snap election

General, Budget, Budget ChangesMay 9, 2017

In hindsight, Chancellor Hammond didn’t have much luck with what he said would be his “first and last Spring Budget”. The proposal…

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Your pension allowances are shrinking

Your pension allowances are shrinking

Pension, Retirement PlanningMay 2, 2017

Cuts and adjustments made to the two main pension allowances since 2011 have made retirement planning all the more complicated. In 2010/11…

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The Budget dividend allowance cut – what will be the damage?

The Budget dividend allowance cut – what will be the damage?

Budget, InvestmentApril 25, 2017

One of the very few surprises of Phillip Hammonds’ March Budget was his cutting of the dividend allowance which comes in 2018/19.…

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Pembroke Financial Services - Brighton IFA

Another notch up in State Pension Age

Pension, Retirement PlanningApril 18, 2017

A government initiated independent review by John Cridland in March has proposed bringing forward the move to a state pension age (SPA)…

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National Savings is Both Reducing & Increasing Interest Rates

The new NS&I bond – is that it?

Investment, SavingsApril 11, 2017

The Budget confirmed the rate on the new National Savings & Investments Bond at 2.2%. That is the fixed rate on the…

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Pembroke Financial Services - Brighton IFA

Individual Savings Accounts (ISAs) and Inheritance Tax (IHT) Planning

Investment, SavingsApril 4, 2017

ISAs are seen as the ‘base layer’ of good financial planning because of their general tax efficiency. They have, however, had a…

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National Savings is Both Reducing & Increasing Interest Rates

NS&I lose lustre as it cuts interest rates from 1 May

Investment, SavingsMarch 28, 2017

National Savings and Investments (NS&I) have announced that it will be cutting interest on four of its variable rate products from 1…

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Savings & Investment Advice from Pembroke Financial Services

The beginning of the new tax year can be just as valuable as its more familiar year end counterpart.

Tax Planning, Investment, SavingsMarch 21, 2017

The run up to 5 April, with the Budget and often Easter intervening, can be a frenetic time for personal financial planning.…

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Savings & Investment Advice from Pembroke Financial Services

The new ISA variant, the Lifetime ISA (LISA) arrives on 6 April.

Investment, SavingsMarch 14, 2017

The new ISA variant, the Lifetime ISA (LISA) arrives on 6 April. One of the final surprises produced by George Osborne in…

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Savings & Investment Advice from Pembroke Financial Services

Pembroke Financial – Tax Tables for the 2017/18 Tax Year

Tax Planning, Investment, The EconomyMarch 9, 2017

We have pleasure in enclosing our tax tables for the 2017/18 tax year, updated for announcements made in the Budget. We hope…

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Savings & Investment Advice from Pembroke Financial Services

Automatic enrolment has reached a new landmark, but the path from 2017 onwards could be challenging.

Pension, Retirement Planning, Automatic EnrolmentMarch 7, 2017

Automatic enrolment has reached a new landmark, but the path from 2017 onwards could be challenging. When automatic enrolment (AE) into workplace…

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Savings & Investment Advice from Pembroke Financial Services

What do I need to remember to do before the tax year ends? Some 5th April reminders

Tax PlanningFebruary 28, 2017

What do I need to remember to do before the tax year ends? Some 5th April reminders. This year, more than many…

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Savings & Investment Advice from Pembroke Financial Services

Pembroke Financial – Spring 2017 Newsletter

General, Wealth Management, NewslettersFebruary 21, 2017

Welcome to the first newsletter of 2017. There were a number of developments at the end of last year which we have…

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Savings & Investment Advice from Pembroke Financial Services

Pension transfer values are up 15%. What’s the next step?

Pension, Retirement PlanningFebruary 14, 2017

Pension transfer values are up 15%. What’s the next step? It wasn’t just the UK equity market which rose in 2016. Transfer…

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Pembroke FinancialServices

Our Updated Key Guides Series: February 2017

Pension, Retirement Planning, Savings, Key GuidesFebruary 8, 2017

We’ve recently reviewed our series of Key Guides as usual at this time of year. These specialist publications provide you with expert…

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Savings & Investment Advice from Pembroke Financial Services

More protection for your savings

Budget, Investment, SavingsJanuary 31, 2017

More protection for your savings. Your savings up to £85,000 will now be safe should a bank or building society collapse from…

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Chancellor announces Wednesday 8 March as the date for the Budget 2017.

BudgetJanuary 24, 2017

Chancellor announces Wednesday 8 March as the date for the Budget 2017. It may feel like Mr Hammond’s Autumn Statement was only…

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pembroke financial services - Brighton & Shoreham IFA

Trump’s in charge. What will this mean for investments?

Investment, The EconomyJanuary 6, 2017

The arrival of Donald Trump marks a change of direction for the US government from the near status quo that Hillary Clinton…

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pembroke financial services - Brighton & Shoreham IFA

The FSCS limit may increase at the end of January so it could be time for a review

Investment, Protection, SavingsDecember 13, 2016

It looks likely that the deposit protection limit will rise at the end of January. At the start of 2016, the maximum…

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pembroke financial services - Brighton & Shoreham IFA

Our Winter 2016 Newsletter

General, Wealth Management, NewslettersDecember 8, 2016

It’s been a busy and fraught summer, both before and after the EU referendum on 23 June. With a changeover in government…

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pembroke financial services - Brighton & Shoreham IFA

Is your family financially protected?

Protection, Retirement PlanningDecember 7, 2016

Is your family financially protected? The current system of bereavement benefits is being overhauled from April 2017. A key change will be…

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pembroke financial services - Brighton & Shoreham IFA

LISA, Lifetime ISA, reappears after a summer redesign

Investment, SavingsDecember 6, 2016

LISA reappears after a summer redesign. The Lifetime ISA – LISA – is back in the spotlight, after it disappeared over the…

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piggy bank with disguise

Two wrongs don’t make it right – tax evasion, avoidance…. and planning

Tax Planning, SavingsDecember 5, 2016

Two wrongs don’t make it right – tax evasion, avoidance…. and planning. HM Revenue & Customs (HMRC) was busy in August publishing…

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pembroke financial services - Brighton & Shoreham IFA

What could a £5,000 a year pension be worth today?

Pension, Retirement PlanningDecember 2, 2016

What is a £5,000 a year pension worth? If you have pension benefits from an old private sector final salary pension scheme,…

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pembroke financial services - Brighton & Shoreham IFA

How to find income in a tricky savings climate

Pension, Autumn StatementNovember 28, 2016

Finding income in a tricky savings climate. According to the Bank of England, ‘real’ interest rates may not rise much above 1%,…

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pembroke financial services - Brighton & Shoreham IFA

Does a pension beat property?

Pension, Investment, SavingsNovember 25, 2016

Does pension beat property? “Residential property beats pensions as an investment for retirement planning” says the Bank of England’s Chief Economist, Andy…

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pembroke financial services - Brighton & Shoreham IFA

A 3rd quarter investment lesson

Investment, SavingsNovember 24, 2016

A 3rd quarter investment lesson. Short term stock market movements are hard to predict and the 3rd quarter of 2016 was a…

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Pembroke Financial Services

Autumn Statement rumours of radical reform of pension contribution tax relief.

Pension, Autumn StatementNovember 21, 2016

The pre-Autumn Statement rumour mill is suggesting a radical reform of pension contribution tax relief. Could tax relief for pension contributions be…

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Savings & Investment Advice from Pembroke Financial Services

Is it time to review your cash ISA holdings?

Investment, The Economy, SavingsNovember 1, 2016

New statistics from HMRC show that cash is still a popular ISA investment, despite ultra-low interest rates. In early summer the Financial…

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Pembroke FinancialServices

Our Updated Key Guides Series: October 2016

Investment, The Economy, SavingsNovember 1, 2016

The final days of the second quarter of 2016 were dominated by the fall-out from the outcome of the referendum on 23…

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Pembroke FinancialServices

The third quarter of 2016 was not the meltdown it threatened to be after the referendum.

Investment, The Economy, SavingsOctober 12, 2016

The final days of the second quarter of 2016 were dominated by the fall-out from the outcome of the referendum on 23…

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pembroke financial services - Brighton & Shoreham IFA

Our Autumn 2016 Newsletter

GeneralSeptember 26, 2016

It’s been a busy and fraught summer, both before and after the EU referendum on 23 June. With a changeover in government…

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pembroke financial services - Brighton & Shoreham IFA

The post-Brexit decline in the pound’s value hasn’t been all doom and gloom for investors.

Investment, SavingsSeptember 6, 2016

“The Brexit vote has completely changed the picture for dividends this year and beyond.” So said Capita, one of the UK’s main…

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pembroke financial services - Brighton & Shoreham IFA

Savings rates have fallen which is a wake-up call if you have money in closed accounts.

Investment, SavingsAugust 23, 2016

The Bank of England may have finally ended speculation and dropped the interest rate from 0.5% to a new low of 0.25%,…

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pembroke financial services - Brighton & Shoreham IFA

Are you thinking of converting your pension pot into retirement income? Read this first.

Pension, Retirement PlanningAugust 5, 2016

One of the UK’s biggest insurance companies has withdrawn from the advisory annuity market. RetirementPlanningCompassThe pension freedom reforms revealed in the 2014…

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The Department for Work & Pensions (DWP) is writing to over 100,000 people with bad news about their state pension

GeneralJuly 25, 2016

The new single-tier state pension was launched in April of this year, but the way in which it was introduced has drawn…

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pembroke financial services - Brighton & Shoreham IFA

Post-Brexit UK is a volatile place for savings & investments

General, Investment, The EconomyJuly 19, 2016

The first half of 2016 has been marked by volatility – especially in the final week. June, or to be more accurate,…

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Pembroke Financial Services

The Pension Regulator’s inbox gets fuller on Auto Enrolment penalties.

Pension, Retirement PlanningJuly 5, 2016

The Pension Regulator’s inbox gets fuller on Auto Enrolment penalties. It is not only BHS which is keeping the Pensions Regulator busy….

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Anomalies uncovered in personal savings allowance legislation.

Anomalies uncovered in personal savings allowance legislation.

Tax Planning, BudgetJune 17, 2016

Not everything your bank pays you counts towards the personal savings allowance. When the personal savings allowance (PSA) was first announced in…

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Pembroke Financial Summer 2016 Newsletter

Our summer 2016 Newsletter

GeneralJune 16, 2016

It’s a new year and attached is the summer 2016 edition of our newsletter. Now is the perfect time to think about…

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pembroke financial services - Brighton & Shoreham IFA

Making tax digital

Tax Planning, The EconomyJune 7, 2016

At the March 2015 Budget, the government set out the vision for a transformed tax system and the end of the tax…

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Putting off making a will is a false economy

Putting off making a will is a false economy.

General, Tax Planning, ProtectionJune 1, 2016

Recent research has revealed how much it costs to make sure your wishes are met on death. Do you have a will?…

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Buy With Confidence Trading Standards Approved

What does being Buy With Confidence Trading Standards Approved mean?

GeneralMay 18, 2016

What does being Buy With Confidence Trading Standards Approved mean? You can check whether a business is a Buy With Confidence member…

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Inflation was at the highest rate since December 2014 and cannot be ignored

Inflation was at the highest rate since December 2014 and cannot be ignored

The EconomyMay 18, 2016

The March inflation number was the highest since December 2014. UK inflation picked up in March, reaching the dizzy heights of 0.5%…

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National Savings is Both Reducing & Increasing Interest Rates

NS&I to cut interest rates on five of its variable rate products

National SavingsMay 18, 2016

National Savings & Investments (NS&I) has announced that it will be cutting interest on five of its variable rate products, mostly from…

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Sponsors Of Ropetackle Arts Center

Sponsorship deal made for arts centre

UncategorizedMay 4, 2016

Shoreham-based Pembroke Financial Services has teamed up with the Ropetackle Arts Centre for a new three-year sponsorship deal…

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Pembroke Financial Services Key Guides

Our updated Key Guides series: April 2016

Tax Planning, Pension, Budget, Investment, Mortgage, Protection, Inheritance Tax, Retirement Planning, Wealth ManagementApril 28, 2016

As a result of the Chancellor’s Budget in March, there have been a number of important changes in the world of finance….

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Savings & Investment Advice from Pembroke Financial Services

A cut capital gains tax (CGT) – but not for everyone

Tax Planning, BudgetApril 19, 2016

The Chancellor made a surprise decision to cut capital gains tax (CGT) in his Budget – but not for everyone. Cast your…

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Advice on Mr Osborne’s Spring Budget

Tax Planning, BudgetMarch 17, 2016

The third Budget in 12 months. This 2016 Budget looked as if it would be a difficult one for the Chancellor, faced…

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Pembroke Financial Services 2016-2017 Tax Tables

2016/17 Tax Tables

Tax Planning, BudgetMarch 17, 2016

We have pleasure in enclosing our tax tables for the 2016/17 tax year, updated for announcements made in the Budget. We hope…

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New Tax Year

It’s time to start planning for the new tax year

Tax Planning, BudgetMarch 11, 2016

As we near the end of the tax year, now is the time to consider not only year-end planning, but also planning…

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Your latest PAYE code may look a little strange

Tax PlanningMarch 7, 2016

Breaking the PAYE code. It’s the time of year when HM Revenue & Customs (HMRC) sends out PAYE codes for the new…

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Pension Tax Relief Reform

Pension tax relief reform

PensionFebruary 25, 2016

Further rumours that the Chancellor will reform pension tax relief for pension contributions in the Budget. There have been more press reports…

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Savings & Investment Advice from Pembroke Financial Services

Concern on Rising Levels of Non-Compliance on Auto-Enrolment

PensionJanuary 29, 2016

Automatic enrolment: are you ready? More employers are failing to meet their obligations. The latest report on ‘compliance and enforcement’ from the…

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National Savings is Both Reducing & Increasing Interest Rates

National Savings is Both Reducing & Increasing Interest Rates

Investment, National SavingsJanuary 20, 2016

The ups and downs of National Savings.   National Savings is both reducing and increasing interest rates. But its real rate challenge…

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What are Pembroke's Plans for 2016 to protect your investments

What are Pembroke’s Plans for 2016 to Protect your Investments

Investment, Wealth ManagementJanuary 6, 2016

What are Pembroke’s Plans for 2016 to Protect your Investments from Volatile Financial Markets Investment markets had a tough year in 2015,…

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Buy-to-Let and Second Homes hit by SDLT Increase from April 2016

Tax Planning, Investment, Buy to Let, Stamp DutyDecember 15, 2015

Buy-to-let hit again   The last Autumn Statement marked another future tax increase for buy-to-let.  “Frankly, people buying a home to let…

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Basic State Pension to Rise by Nearly 3% Next April

Basic State Pension to Rise by Nearly 3% Next April

Pension, Retirement PlanningDecember 5, 2015

State pension increases and non-increases   The basic state pension will rise by nearly 3% next April. The Autumn Statement confirmed that…

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The Government is Counting the Cost of Tax Relief on Pensions

Tax Planning, PensionNovember 25, 2015

Auto-enrolment: the first deferral   The Autumn Statement revealed more evidence that the government is counting the cost of tax relief on…

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What is the Safest Way to Save for Retirement?

What is the Safest Way to Save for Retirement?

Investment, Retirement PlanningNovember 11, 2015

And the winner for retirement savings is…    The Office for National Statistics (ONS) has been looking at attitudes to private savings.…

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The Chancellor has Announced the Date of the Autumn Statement

Retirement PlanningOctober 16, 2015

Autumn Statement to take place on 25 November In late July, the Chancellor announced that the results of the Spending Review would…

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Different Inflation Measures Tell Different Stories

Investment, The EconomyOctober 2, 2015

The latest inflation figures showed virtually zero inflation and nothing to worry about…or did they? The July Consumer Prices Index (CPI) was…

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Next Year’s Dividend Tax Changes Come Into Sharper Focus

Tax Planning, InvestmentSeptember 28, 2015

The Summer Budget announcement of a change to the rules on dividend taxation from next April caused many furrowed brows. The situation…

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Mortgage rate rises ahead?… Time to consider your options

Mortgage rate rises ahead?… Time to consider your options

MortgageAugust 14, 2015

By Jill Rickson, Principal Mortgage Adviser at Pembroke Financial Services. Mortgage rates are just rising off all-time lows and Mark Carney, the…

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The trouble with averages in Personal Finance

The trouble with averages in Personal Finance

Pension, Investment, Retirement PlanningAugust 13, 2015

Knowing what the average is may not be as helpful as you think. One of the facts which often appear in personal…

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Deposit Protection to Fall

InvestmentAugust 6, 2015

The compensation for lost deposits is to be cut by £10,000.  On the first Friday in July, a few days before the…

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