5 ways financial planning could help you emotionally prepare for retirement
While financial challenges often come up when talking to people nearing retirement, the emotional obstacles could be just as important.…
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Looking beyond the numbers when using a cashflow model
When reviewing a cashflow model, it can seem like there are a lot of numbers. Looking beyond the figures to…
Investment market update: January 2025
Concerns around potential trade wars following President Trump’s inauguration weighed on investment markets in January 2025. Yet, there was positive…
Is your estate worth more than £2 million? Your Inheritance Tax liability could be higher than you expect
If the value of your estate is more than £2 million when you pass away, the threshold for paying Inheritance…
Business owners: 5 reasons you could benefit from saving into a pension
Around half of business owners aren’t regularly contributing to a pension. While you might plan to use your business to…
How to stop following the investment crowd and stick to your strategy
Being part of a crowd can be comforting. However, following trends when you’re investing could lead to decisions that aren’t…
Investment market update: December 2024
Political instability in Europe and further afield led to market volatility in December 2024. Yet, as the end of the…
5 useful tips for talking about mental health with your loved ones
If you find it difficult to talk about your mental health, Time to Talk Day is encouraging you to fix…
3 insightful property market predictions for 2025
Read about three property market predictions for 2025, including transactions rising as buyers seek to complete sales before Stamp Duty…
5 useful allowances and exemptions that will reset at the end of the tax year
The end of the tax year is approaching and some key allowances will reset. Find out more about five useful…
Research: Financial stability could be the key to retirement happiness
Research seeking to uncover the secret to happiness in retirement has found a common theme – financial stability. For many,…
The compelling benefits of building a tailored financial plan
A financial plan isn’t a one-size-fits-all solution. Instead, to get the most out of it, it should be tailored to…
Investment market update: November 2024
In November, US citizens voted for their next president, and it affected investment markets around the world. Find out what…
The pros and cons of choosing joint life insurance
Life insurance could provide your loved ones with a valuable safety net should you pass away. If you and your…
How to calculate the maximum you could afford to borrow through a mortgage
If you’re searching for a new home, understanding your budget is essential. If you’ll be taking out a mortgage, that…
The key Autumn Budget takeaways business owners should be aware of
As a business owner, some of the announcements made in the Autumn Budget could affect your firm’s finances and how…
Financial fears could be holding back millions of retirement dreams
A third of retirees say they hold back making purchases they need because they’re worried about running out of money…
3 simple questions that may help you update your life goals for 2025
Whether you’ve already set life goals or not, spending some time thinking about what you want to achieve in 2025…
Investment market update: October 2024
While inflation is stabilising in many major economies, there continue to be challenges that have led to investment market volatility.…
Interest rates are predicted to fall to 3% next year and could slash mortgage repayments
As inflation eases, experts are predicting that interest rates will fall over the next 12 months and reach 3% by…
5 smart reasons why retirement planning should start in your 30s and 40s
Just 5% of Brits aged between 35 and 44 have taken financial advice to help them prepare for retirement. While…
4 valuable ways lifetime cashflow forecasting could give you financial confidence
Lifetime cashflow forecasting could help you make better financial decisions and feel more confident about your financial future. Discover four…
10 financial tasks to complete this year to head into 2025 feeling confident
The end of the year is the perfect time to tick off some of the financial tasks you might have…
2 key Budget announcements that may affect your financial plan
The Autumn Budget included some key changes that might affect your financial plan. Discover what the announcements about Capital Gains…
Your Autumn Budget update – the key news from the chancellor’s statement
The chancellor has delivered the Labour government’s first Autumn Budget. Here’s a useful summary of the key measures Rachel Reeves…
How would soaring property prices affect a 2024 Monopoly board?
Classic real estate board game Monopoly hit shelves in 1935. The game was loosely based on property prices at the…
Why inflation solutions should remain part of your long-term financial plan
The rate of inflation has stabilised and is near the Bank of England’s 2% target. Yet, inflation solutions are still…
Climbing annuity rates could boost your retirement income
Statistics suggest average annuity rates for a healthy 65-year-old have surpassed 7%. If you’d like to create a guaranteed income…
5 reassuring ways a financial plan could help you deal with life’s scares
It’s not just the ghouls and ghosts of Halloween that are scary – daily life, especially unexpected events, could be…
3 insightful pieces of data that could help you remain calm during market volatility
If investment market volatility makes you feel nervous, it could lead to you making decisions that don’t align with your…
Investment market update: September 2024
While there has been some positive news, data suggests many economies struggled in September 2024, particularly manufacturing sectors. This led…
Investment market update: August 2024
Investors are likely to have experienced stock market volatility in August 2024 due to concerns the US is on track…
5 practical questions to consider when you’re naming a Lasting Power of Attorney
A Lasting Power of Attorney (LPA) has the power to make decisions on your behalf if you’re unable to. So,…
Regular financial reviews may help you get more out of every stage of life
Throughout your life, your goals and circumstances will change. Regular financial reviews could help ensure your plan continues to reflect…
How “lifestyle financial planning” could help you reach your goals
Effectively managing your finances to get the most out of your assets often means going beyond paying into a pension…
Study: Greater freedom means money can buy happiness
Despite the common saying “money can’t buy happiness”, a new study suggests the opposite is true. The greater freedom having…
Inheritance Tax: 5 shrewd strategies for reducing a potential bill
If your estate could be liable for Inheritance Tax, there might be some steps you could take to reduce or…
Hidden UK gems that offer spectacular summer views
If you’re looking for spectacular views this summer without the hassle of crowded tourist locations, read on to discover these…
5 interesting figures that prove financial protection could provide a valuable safety net
It’s a common misconception that financial protection doesn’t pay out when you need to make a claim. Yet, the statistics…
Could “lifestyle creep” affect your retirement plans?
When your income rises, it’s easy for your expenses to creep up too. While indulging in some luxuries is a…
What does a Labour government mean for the property market?
The Labour Party made some key pledges that could affect the property market, including a commitment to build more homes…
Investment market update: July 2024
General election results in the UK and France, as well as the ongoing presidential campaign in the US, caused volatility…
Inheritance Tax: The basics you need to know about the “death tax”
Inheritance Tax could reduce the wealth you leave for your family when you pass away. Around 4% of estates are…
How “time travelling” as part of your financial plan could help you secure your goals
A chance to take a glimpse into the future could help you make better financial decisions that support your long-term…
More than half of homeowners don’t have enough life insurance to protect them
More than half of homeowners don’t have an adequate amount of life insurance cover in place should the worst happen.…
Higher-rate taxpayers: Beware of the 60% tax trap
Around 1.35 million people were affected by the tapering of the Personal Annual Allowance in 2023/24. It could mean their…
The value of financial planning: How it could help you achieve your aspirations
One of the key benefits of a tailored financial plan is that it could help you reach your goals, whether…
How to use life insurance to cover a future Inheritance Tax bill for your family
The amount HMRC collected through Inheritance Tax hit a record high in 2023/24. If your estate could be liable for…
Investment market update: June 2024
General elections taking place around the world, including in the UK and France, led to some market volatility in June…
How many steps should you take every day to improve your health?
Research reveals that walking a few thousand steps a day can reduce the risk of disease. Discover how many steps…
Could downsizing help fund your retirement?
Research suggests retirees who downsize could benefit from an average £1,218 a month boost to their income. However, before you…
3 practical ways you could reduce your tax bill in retirement
As the Personal Allowance is frozen, more retirees are finding they’re liable for Income Tax. If you’re retired, there could…
How a financial plan could alleviate your inflation worries
Research has found that inflation continues to be the biggest concern in households around the world. While inflation is falling,…
Investment market update: May 2024
The UK Conservative government called a general election in May after positive GDP and inflation figures were released. The uncertainty…
Could you face an unexpected bill now the Capital Gains Tax allowance has halved?
The amount of profit you can make before Capital Gains Tax (CGT) could be due has fallen to just £3,000…
The value of financial planning: The intangible benefits that could boost your wellbeing
Consider the benefits of working with a financial planner. If the first advantage that comes to mind is the opportunity…
Investment market update: April 2024
While inflation continued to fall in many countries, central banks in advanced economies opted to hold interest rates despite expectations…
10 unexpected effects of the work-from-home trend
With 4 in 10 workers now choosing hybrid or remote jobs, the shift to working from home has had a…
Britain’s housing dubbed “worst value for money” of any advanced economy
A think tank has said Britain’s houses are smaller, less efficient, and cost more than other advanced economies. As house…
3 useful options you may want to consider when passing on assets to your loved ones
If you want to pass on wealth to your family, there’s more than one option. Read about the key considerations…
How to make the unexpected part of your financial plan
Unexpected events could derail even the best-laid plans. While you might not know what’s around the corner, an effective financial…
The value of financial planning: 5 fantastic ways tailored advice may help grow your wealth
Financial planning could add value to your life. This month, read about how it could help you grow your wealth…
Investment market update: March 2024
There are signs that economies are overcoming inflation challenges and recession risks. Find out what may have affected investment markets…
5 ancient wellness tips that could improve your life
While striving for good health may seem like a modern trend, this isn’t the case. Read to discover five ancient…
Mortgage holders could benefit from rising property prices as an average sale made £74,000 in 2023
Home movers made, on average, £74,000 in 2023. You don’t have to wait until you move to benefit from rising…
5 practical tips that could help you set realistic financial goals
Being realistic when setting out financial goals can be difficult. Your goals might be decades away and factors outside of…
Running out of money tops retirement concerns, but financial planning could bring peace of mind
A survey of financial advisers has revealed that running out of money is one of the biggest retirement fears. Seeking…
Retirement planning: Bringing together your goals and finances
Over the last few months, you’ve read about some of the areas you might want to consider if you’re nearing…
3 savvy tips that could help you pay off your mortgage sooner
Figures suggest more homeowners own their property outright when compared to 30 years ago. If you’re still paying off your…
1.5 million households could see their mortgage repayments soar when their deal ends in 2024
1.5 million homeowners are expected to face higher mortgage repayments when their fixed-rate deal comes to an end this year.…
Here’s what you need to know about the “Magnificent Seven” stocks that are driving the market
The S&P 500 index reached a new high in January, and it was driven by just seven technology stocks dubbed…
Are you risking a pension shortfall by overlooking longevity?
Two-thirds of people haven’t considered how long they’ll spend in retirement, and it could mean they face a financial shortfall.…
Investment market update: February 2024
While economies continue to be weighed down by high inflation and concerns of recession, markets were boosted by optimism about…
Retirement planning: The 3 main ways you could access your pension
Last month, you read about the importance of setting retirement goals. Your pension will often play a fundamental role in…
All the winners and losers from the 2024 Spring Budget
If you want to know how the 2024 Spring Budget affects you, here are all the winners and losers from…
Your Spring Budget update – the key news from the chancellor’s statement
The chancellor has delivered the government’s Spring Budget. Here’s a useful summary of the key measures Jeremy Hunt announced in…
Landlords: Could using a limited company reduce your tax bill?
More landlords are using limited companies to reduce their tax liability. It could be a useful way to boost your…
Mortgage availability is rising. Here’s what to consider when narrowing down your options
There were more mortgage options available in January 2024 than at any time since 2008. More choice could be good…
A Lasting Power of Attorney could offer protection at every life stage
While you might associate needing a Lasting Power of Attorney with the elderly, ill health and accidents could occur at…
5 handy tips that could help couples create an effective financial plan
Managing your finances as a couple could mean you’re more likely to reach goals, but it can come with challenges…
4 excellent reasons you may want to boost your ISA now
With the end of the tax year approaching, now could be the perfect time to boost your ISA if you…
Retirement planning: The importance of setting out your lifestyle goals
When you start planning for retirement, your focus might be on the financial side. However, paying some attention to your…
Why taking out life insurance alongside your mortgage could provide peace of mind
A survey has revealed that almost half of people aged between 18 and 40 don’t have life insurance. Overlooking financial…
How to secure a competitive interest rate to cut your mortgage costs
With interest rates higher than they have been in the last decade, finding a mortgage deal that’s right for you…
4 insightful property market predictions for 2024
By the end of 2024, the Bank of England expects to start lowering its base interest rate, which will affect…
The pros and cons of choosing a living legacy over leaving an inheritance
You may want to support loved ones by gifting assets during your lifetime, rather than leaving them an inheritance. A…
Inflation is falling. Here’s what it could mean for your finances
Inflation is starting to fall. While this could be good news for your long-term finances, it might not affect your…
Retirement planning: Should you consider a phased retirement?
If you’re planning your retirement, one of the first questions you might want to consider is: how will you retire?…
10 excellent box sets perfect for festive nights in
If you’re looking for something to binge watch over Christmas, we’ve got you covered. Flick on your fairy lights and…
How to negotiate a better deal if you’re buying during a property downturn
A lack of demand has led to some property sellers reducing asking prices to generate interest. So, if you’re looking…
How to prepare if you’ll be applying for a mortgage in 2024
Those applying for a mortgage in 2024 could face some key challenges as interest rates are higher than they have…
3 helpful ways an effective financial plan could ease health fears
NHS waiting lists are at a record high. Unsurprisingly, people are worried about how long they’d have to wait if…
The families of 6 in 10 over-75s could face challenges if they lose mental capacity
A new survey suggests around 3.4 million people over 75 haven’t arranged a Lasting Power of Attorney (LPA). Find out…
2 Autumn Statement announcements you may have missed that could simplify your finances
Jeremy Hunt delivered his second Autumn Statement as chancellor. Among the measures, you might have overlooked two, related to ISAs…
10 festive markets to visit in Europe this year
It’s not too late to book a last-minute Christmas getaway. There are excellent Christmas markets across Europe that are well…
Everything you need to know about the 2023 Autumn Statement
Jeremy Hunt has delivered the 2023 Autumn Statement. Here’s everything you need to know about the chancellor’s announcements and what…
Why an offset mortgage could cut your mortgage repayments and provide flexibility
Offset mortgages account for just 7% of mortgages. Yet, they could provide a way to use your savings to reduce…
Falling affordability means first-time buyers are increasingly relying on family support
The Bank of Family is predicted to give more than £8.1 billion in 2023 to help fund property purchases. While…
How much life insurance will provide your family with security?
Life insurance could provide your family with financial security if the worst should happen. Understanding the level of cover that’s…
Don’t overlook trusts, they could be a useful way to pass on wealth
A survey suggests many families could be overlooking the value trusts could add to their estate plan. Find out why…
4 annuity myths that could mean you’re missing out on security in retirement
More than 8 in 10 people taking financial advice say income security in retirement is very important. Yet, research also…
5 practical steps first-time buyers can take to make putting in an offer smoother
If you’re a first-time buyer, there are some steps you can take before you put an offer in to make…
Half of mortgage borrowers stick with their lender, but it could mean paying more interest
When your current mortgage deal ends, a “product transfer” may seem like an attractive option. However, staying with your existing…
Inflation has cost savers £113 billion in real terms in the last year
High inflation has reduced the value of savings across the UK by as much as £113 billion in real terms.…
How to make happiness part of your financial plan
When you think about your financial plan, pensions, financial protection, and investments might come to mind. Yet, financial planning is…
The Lewis Moody Foundation, Western Front Cycle Ride raises over £60,000!
Our Managing Director Mark Rockliffe recently successfully completed a challenging 1000km charity bike ride following The Western Front with Lewis…
3 essential factors to consider if you plan to gift wealth to avoid Inheritance Tax
Figures suggest more people are gifting assets to loved ones to reduce a potential Inheritance Tax bill. However, while it…
Financial security is the most important retirement goal for 9 in 10 Brits
The majority of people say financial security is their biggest retirement dream. With so many other goals dependent on money,…
The Bank of England warns mortgage repayments could jump by £500 for 1 million households
The Bank of England predicts millions of households will see their mortgage repayments soar by the end of 2026. If…
Soaring interest rates are driving more people to consider interest-only mortgages
Data suggests more homeowners are considering an interest-only mortgage to reduce their costs. While it could improve your short-term budget,…
Pensions could be fuelling climate change with huge £88 billion investment
Research suggests the average pension holder could be unwittingly investing £3,000 in the fossil fuel industry. The campaign behind the…
Financial planning, like space exploration, needs careful management after success
You might think space exploration and financial planning have little in common. Yet, to be successful they both require careful…
8.5 million over-65s are paying Income Tax. Do you need to consider your tax liability?
8.5 million over-65s are paying Income Tax – that’s a 10% increase compared to last year. Inflation and frozen tax…
Pedalling for a purpose!
Raising money to support The Lewis Moody Foundation for The Brain Tumour Charity. Mark Rockliffe and Lewis Moody MBE’s 1000…
Should you take your pension tax-free lump sum to kickstart retirement?
Did you know you could withdraw a lump sum from your pension without paying Income Tax? This could provide the…
4 practical steps landlords can take to protect their income
Some practical steps for landlords to take to protect your income, from requiring guarantors to taking out appropriate landlord insurance.
Here’s what mortgage lenders consider when carrying out affordability tests
Understanding what is considered during an affordability tests could put your mind at ease and highlight issues you may be…
Getting married? Here’s why you should review your will and wishes
Getting married revokes your will. If you’re planning to tie the knot, reviewing your wishes and writing a new will…
Why emotional decision-making could be costing you investment returns
Paying too much attention to the news and taking too little risk due to fear are two of the biggest…
Market volatility means thousands of families may have overpaid Inheritance Tax
The way Inheritance Tax is calculated could mean some families have overpaid. Falling property prices could mean more people also…
Millions of retirees could be overlooking the benefits of annuities, research suggests
Millions of retirees could be overlooking annuities because they don’t understand them – they could provide financial security in retirement.
Organisation could help you save money if you need to remortgage this year
If you need to remortgage, it’s a process that could take up to 3 months. Being organised could mean you…
1 in 5 first-time buyers are choosing a longer mortgage term to balance costs
More first-time buyers are choosing mortgages that last for 35 years or more. This option could lead to buyers paying…
Financial Protection: 3 unlikely stories that demonstrate why preparing for the unexpected can be valuable
It’s easy to overlook financial protection for the unexpected if you think “it’ll never happen to me” – 3 events…
Business owners: Is your firm protected against the loss of a key person?
A quarter of small businesses would close immediately if they lost a key person. Appropriate protection is something firms are…
Savers celebrate rising interest rates, but it could mean an unexpected tax charge
Interest you earn on your savings could be liable for Income Tax. With rising interest rates could you face an…
Retirees, don’t overlook the surprising risk of underspending in retirement
While a common fear is spending too much, retirement underspending is a challenge too and could mean you miss out…
As interest rates soar, should you remortgage your home in 2023?
1.4 million fixed-rate mortgage deals will end in 2023. If yours is one of them, find out if you should…
100% mortgages return to the market. Are they a solution for first-time buyers?
No-deposit 100% mortgages are now available. While they present a solution for first-time buyers there are drawbacks to consider first.
Why inaction is a crucial part of successful investing
When investing, the actions you decide not to take are just as important as those you do. Sticking to your…
Pensions v ISAs: Tax relief makes a huge difference to your calculations
Weighing up pensions v ISAs: Tax relief is an essential part of the calculations and could mean your savings go…
Want to retire early? Financial planning could make it a reality
A report suggests that people seeking financial advice are planning to retire three years earlier than those that aren’t. What’s…
5 fantastic reasons to contribute to your child’s pension
Have you considered contributing to your child’s pension? It could be an excellent way to improve their financial security.
5 useful options to fund your home renovation plans
5 tips to fund home renovation plans if you have a home project and need to borrow money to pay…
Your mortgage could have a negative effect on your mental health. Here’s why, and what you could do about it.
Concern about paying a mortgage during the cost of living crisis and it is affecting mental health. A mortgage broker…
Get your plans moving with an Individual Savings Account (ISA)
ISAs are simply a tax-efficient ‘wrapper’ that surrounds a specific investment. For example, a unit trust, shares or cash savings…
Corporation Tax hike: Here are the essentials business owners need to know
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
5 essential money lessons that could improve your child’s financial independence
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Received an inheritance? Here’s why you should consider boosting your pension
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
4 essential Budget announcements that could boost your pension
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Self-employed? Read these 6 useful tips before applying for a mortgage
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
If your mortgage repayments have increased, you should review your financial protection
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
1 in 40 homes is now worth more than £1 million and it could affect Inheritance Tax liability
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Why it could pay to use your 2023/24 tax year allowances right now
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
51% of adults don’t have a will. Here’s why it should be a priority task
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
4 valuable ways a financial planner can help you tackle “overwhelming” pension information
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Mortgage repayments are costing first-time buyers 39% of their take-home pay
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
3 useful ways a mortgage broker can help you navigate a market that changes quickly
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
5 inaccurate expert predictions that prove why you shouldn’t try to time the market
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
All the winners and losers from the 2023 spring Budget
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Your spring Budget – the key news from the chancellor’s statement
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Explained: How pension tax relief works and boosts your retirement savings
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Soaring inflation drives up retirement costs by almost 20% in just a year
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Estate planning: 3 different ways you can pass on wealth to your loved ones
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Do you want to unlock property wealth? Read the essentials you need to know first
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Millions of fixed-rate mortgages are ending. Discover 6 practical steps you can take now
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
6 savvy financial reasons to get married
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
4 reasons you may want to boost your ISA before the tax year ends
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Here’s why your pension could reduce your estate’s Inheritance Tax liability
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
Explained: Your 3 main options when accessing your pension for the first time
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
5 fantastic reasons to work with a mortgage broker
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
The 2022/23 tax year ends on Wednesday the 5th of April
After this date, many allowances will reset, so it could be your last chance to use some of them.
Why you need to consider your retirement plans if you choose a longer mortgage
Research suggests that the number of people taking out a longer mortgage in their 40s is rising. While it could…
Why a hands-off approach could make sense when you invest
While it can be tempting to actively monitor your investments and try to time the market, it could affect your…
3.3 million pre-retirees have started a phased retirement. Here’s what you need to know about managing your finances
Around a third of workers nearing retirement are choosing to phase into their next chapter, rather than quit work completely.…
3 key autumn statement changes you need to be aware of for the new tax year
In the autumn statement, chancellor Jeremy Hunt announced changes to Income Tax bands, the Dividend Allowance, and the Capital Gains…
61% of Brits feel stressed about later-life planning. Here are 5 things you can do to boost your confidence
More than half of Brits are worried about how they’ll cope financially in retirement. While managing your later-life finances can…
4 key factors that could affect your mortgage interest rate
Interest rates are rising, and it may affect your mortgage repayments. While the Bank of England increasing its base rate…
7 essential steps to take now if you plan to buy your first home in 2023
Buying your first home is a huge milestone. If it’s something you plan to achieve in 2023, here are some…
Experts forecast a recession in 2023. Here’s why and what it means for your investments
The UK is expected to face a recession in 2023. The situation could affect your investment portfolio, but, in most…
4 vital things you should discuss when naming a Lasting Power of Attorney
Naming a Lasting Power of Attorney is important, and it’s something you should discuss to ensure the person understands the…
Annuity rates soar 52% in 2022 and could provide security amid uncertainty
Rising annuity rates could help your retirement savings go further and provide security amid uncertainty. However, there are still drawbacks…
6 essential steps to take if you’re retiring in 2023
If you’re retiring in 2023, here are some essential steps to take that could help you plan effectively and get…
Almost half of homeowners are worried about rising mortgage bills. Here’s what you can do
Discover what happened to affect investment markets in September. From the emergency budget in the UK to growing recession worries…
The Help to Buy Equity Loan scheme is ending. Here are 5 alternatives that could help first-time buyers
Discover what happened to affect investment markets in September. From the emergency budget in the UK to growing recession worries…
26% of people without financial protection would like it. Here’s what you need to know
Discover what happened to affect investment markets in September. From the emergency budget in the UK to growing recession worries…
Your autumn statement update and what it means for you
Chancellor Jeremy Hunt has delivered an autumn statement and economic outlook, including some changes that could affect your financial plan
The cost of living crisis is giving scammers more opportunities. Here are 3 scams to watch out for
Discover what happened to affect investment markets in September. From the emergency budget in the UK to growing recession worries…
How to deal with political uncertainty when making financial decisions
Discover what happened to affect investment markets in September. From the emergency budget in the UK to growing recession worries…
The UK could face a “retirement savings crisis” as workers aren’t putting enough away
Discover what happened to affect investment markets in September. From the emergency budget in the UK to growing recession worries…
Investment market update: September 2022
Discover what happened to affect investment markets in September. From the emergency budget in the UK to growing recession worries…
More people are turning to equity release to boost their income. Find out why here
Equity release could provide you with a way to boost your income later in life. It’s something more people are…
How to assess your affordability when taking out a mortgage
As house prices reach record highs and the rising cost of living continues to affect budgets, ensuring you can afford…
Business owners: The essential basics about salary sacrifice pensions
As a business owner, offering a salary sacrifice pension scheme could benefit both you and your employees. Find out how…
5 practical reasons you should create a financial plan with your partner
Finances are often still seen as a taboo subject. However, creating a financial plan with your partner can make sense…
Before you increase pension withdrawals as the cost of living rises, here’s what you need to consider
As the cost of living rises, you may want to increase the income you take from your pension. Before you…
What proposed ultra-long mortgages would mean for your repayments
A government proposal suggests introducing 50-year mortgages to help first-time buyers step onto the property ladder. While it could make…
Everything you need to know about the “emergency mini-budget”
Chancellor Kwasi Kwarteng delivered an emergency mini-budget to address the rising cost of living. Find out what was announced and…
Average rent is increasing. Is now the “right” time to buy a home?
As rent prices rise, you may be considering if now is the right time for you to get on the…
5 useful tips for building a nest egg for children during a cost of living crisis
Do you want to create a nest egg for your child? These five tips can help you stay on track…
Cost of living crisis: Why you should review your budget and plans
As the cost of living continues to rise, taking some time to review your budget and understand how the decisions…
1 in 3 savers worry they’ve “lost” a pension. Here’s how to track them down
It’s easier than you might think to lose track of pensions, especially if you move job or house. It could…
7 compelling reasons you should seek financial advice at retirement
Research suggests that fewer than 3 in 10 retirees seek professional financial advice. Working with a professional can give you…
Mortgage lenders are told they can scrap affordability rules. Here’s why it’s still important to assess your budget
The Bank of England’s (BoE) decision to scrap some affordability tests for people taking out a mortgage could mean you’re…
Average standard variable rate reaches a 13-year high. Is it time you looked for a new mortgage deal?
If a previous mortgage deal has ended and you’ve not taken out a new one, you could be paying a…
7 essential money lessons your children need to know before they go to university
The day that you send your child or grandchild off to university can bring up mixed feelings. There’s pride and…
Women are investing earlier than men, and it could close the wealth gap
The gender wealth gap is a widely acknowledged issue in the UK, particularly in the context of pension savings and…
Taking care of your investments – Rate hikes and recession warnings
With price inflation running presently at 9.4% in the UK, it was no surprise that the Bank of England (BoE)…
5 crucial things you need to consider when reviewing your estate plan
If you have an estate plan, you shouldn’t simply forget about it. Instead, regular reviews can help ensure it continues…
5 important things to check this Pension Awareness Day.
If you’re guilty of ignoring your pension, a review ahead of Pension Awareness Day on 15 September can help make…
Equity release: Here’s why the right to make repayments could cut the cost of borrowing
A new right to make repayments for equity release customers could make the cost of borrowing more affordable. Find out…
10 useful tips for getting your home ready to put on the property market
You don’t need to invest huge sums to make your home more appealing to prospective buyers. Some steps like a…
5 compelling reasons why you should share a financial planner with your family
A third of advised families share the same financial planner. It can help your family reduce your tax bill and…
ESG investing faces “greenwashing” criticism, but it could be a good thing for the sector
ESG investments are facing criticism over “greenwashing”. While it could harm perceptions, it could also give the sector a push…
1 in 10 accessing their pension do so to pay off debt. Here’s what you need to consider
Data suggests that some people are accessing their pension tax-free cash to pay off debt. While this can be useful,…
How delaying retirement could help you maintain your standard of living as inflation rises
As inflation rises, you may be worried about what it means for your retirement. Delaying your plans by a few…
National Insurance threshold change from 6 July 2022
Following the announcement in the spring that the National Insurance (NI) threshold will increase for the 2022/23 tax year, HMRC…
Do you have a poor credit score? It doesn’t mean home ownership is out of reach
A poor credit score can make buying a home more difficult, but it doesn’t automatically mean you’ll be rejected when…
8 useful questions to ask when you’re viewing a property
When you’re looking for a new home, viewing properties can be overwhelming and you may forget to ask important questions.…
Young investors are championing the “S” in ESG investing, so what does it mean?
A survey has found that young investors considering ESG factors are most concerned about social issues. It could lead to…
Trustees, here is what you need to know about the Trust Registration Service deadline
Many UK trusts and some non-UK trusts need to be registered with the Trust Registration Service by 1 September 2022.…
8 key tax allowances have shrunk by 6% in the last decade
Over the last decade, key tax allowances have been reduced. It means you could be paying more tax, so it’s…
Two-thirds of retirees are planning a flexible retirement, but many don’t understand the potential tax implications
More people are planning a flexible retirement where they continue to work in some form. It can help your income…
The 3 different types of mortgages and what they mean for your interest rate
If you’re looking for a new mortgage, you need to understand the difference between the three main types. It could…
3 useful mortgages you can use to help your child get on the property ladder without gifting a deposit
The Bank of Mum and Dad has become an essential part of the property market. If you can’t gift a…
8 essential finance lessons you should teach teenagers as 72% say they want more financial education
Research shows the majority of teenagers want to learn more about personal finance topics like mortgages and pensions. Here are…
Investment funds: How do they work and how they could play an important role in your portfolio?
Investment funds are a popular way to invest and can make sense as part of your financial plan. If you’re…
Misconceptions mean that 40% of homeowners don’t have life insurance
Life insurance could provide your family with financial security if you pass away. Yet, a survey suggests that many homeowners…
4 valuable pension lessons younger generations can learn from the regrets of the over-50s
A survey of over-50s has highlighted that many wish they’d started a pension earlier and saved more. Younger generations can…
What is a mortgage in principle, and how can it help prospective buyers?
Securing a mortgage is a hugely important step in the house-buying process. Read how a mortgage in principle could help…
6 insightful figures that highlight the challenges first-time buyers are facing
First-time buyers are facing more challenges than ever as property prices soar and competition rises. These six statistics highlight some…
3 interesting pieces of data that show why you shouldn’t panic during market volatility
During times of uncertainty, it can be tempting to make changes to your investments. However, data suggests that holding tight…
Half of workers would choose a “green” pension and it could lead to ESG investments soaring
21 million people would consider moving their pension to a “green” fund if it was an option offered by their…
Why it pays to use your 2022/23 ISA allowance right now
While you may be tempted to leave using your annual ISA allowance until the end of the tax year, using…
Your older pensions could be delivering “poor value for money”, and it could cost you thousands of pounds
If you have pensions from the 1990s or 2000s, the fees you’re paying could be delivering “poor value for money”,…
The recent Okta breach in the United States has not affected Pembroke clients
You may have read in the press about a recent Okta breach in the U.S, so I want to reassure…
Investment market update: February 2022
Tensions in Europe and the invasion of Ukraine affected stock markets around the world. Here’s your investment market update with…
Interest rates are rising. What does it mean for your mortgage?
The Bank of England has increased interest rates twice since December 2021. If you’re a mortgage holder, it may affect…
Pembroke Financial Welcomes Seb Lewis to the Team
Pembroke Financial Services are absolutely delighted to announce the arrival of Seb Lewis as the latest addition to our thirteen…
5 practical questions to answer when you move up the property ladder
If you’re ready to move up the property ladder, understanding your mortgage needs and the cost of moving can help…
The ESG investment trends to watch out for this year
The pandemic and the climate conference in 2021 are driving some of the key ESG investment trends this year, including…
Inheritance Tax receipts rise again. What can you do to minimise the bill?
The amount of Inheritance Tax paid has increased and a freeze on allowances means it will affect more families in…
A quarter of retirees are relying on an inheritance. Here’s why you shouldn’t
Research shows that millions of people in the UK are relying on an inheritance to pay for their retirement. It…
3 tips to manage your concern in an uncertain time
It’s been an uncertain start to 2022 for the global economy. Here’s some useful information, and three tips for managing…
10 tips if you’re taking on a property project
If you’ve purchased a property that needs work completing or you want to renovate your home, these tips could help…
5 reasons your mortgage application for a flat could be rejected
Figures suggest that demand for flats is on the rise. If they’re something you’re thinking about, you should be aware…
ASNP Sponsored Family Walk Target Almost Reached!
Please help us achieve our target for our Family Walk for Adur Special Needs Project (ASNP).
8 in 10 cancer patients suffer a financial hit. Here’s how protection policies can offer security
Research suggests that 83% of cancer patients experience some kind of financial impact from their diagnosis. This may be reduced…
8 things to do to give your finances a spring clean
As spring approaches, now is the perfect time to review your finances and assets. This can help make sure the…
Half admit to making impulsive, emotional investment decisions, and many go on to regret it
Have emotions ever influenced an investment decision you’ve made? If so, you’re not alone, but impulsive decisions can lead to…
Adur Special Needs Project Sponsored Family Walk
Adur Special Needs Project’s first fund raising venture of this kind, and our team will walk either the five or…
Pension drawdown: Are you taking a sustainable income?
Research suggests that some retirees are taking unsustainable sums from their pensions. It could mean they run out of money…
Why do people use equity release, and is it an option you should consider?
Equity release is becoming a popular way for people to fund their later years, and it could give your finances…
Long-term fixed mortgages are now on offer, but are they a good choice for you?
Long-term mortgages with a fixed rate are now on offer. They can provide homebuyers with peace of mind, but there…
59% of people say the pandemic has made them question their priorities. Has it affected your plans?
If the pandemic has affected your plans, you’re not alone. Covid-19 has led to more people thinking about what’s important…
Why now is the perfect time to start thinking about the end of the tax year
While it might seem some way off, preparing for the end of the tax year now can help you make…
The majority of divorcees are overlooking pensions and it could leave them financially vulnerable
The law changed in 2000 to allow pensions to be split during a divorce or dissolution. Yet, just 1 in…
Investment market update: December 2021
As 2021 drew to a close, high levels of inflation, supply chain issues, and the challenges of a new Covid-19…
7 new year resolutions that could improve your financial wellbeing
This year, making a new year resolution that considers your long-term financial wellbeing could have a positive impact far beyond…
2 ways you can reduce your monthly mortgage payments
If you’re looking for a way to reduce household expenses, there are some steps you can take to cut your…
COP26: What does the outcome mean for investors?
COP26 took place in Glasgow in November and set the global climate change agenda. Find out how it could affect…
Spend, save, or invest: What should you do with your child’s Christmas money?
If your children will receive money this Christmas, it can be an excellent way to teach money skills, from the…
Do you have realistic investment expectations?
When you’re investing, it’s important that you set out realistic expectations to create an accurate plan and to spot potential…
The pension gap: Life expectancy means women need to save more for retirement
Women need to save an extra £185,000 in their pension to close the gender gap and ensure they have enough…
5 retirement challenges you could face and what to do about them
A new survey has highlighted some of the biggest challenges that those planning their retirement could face. Understanding these obstacles…
What does rising inflation mean for mortgage holders?
With inflation rising, the Bank of England could increase interest rates to reduce the impact. If you’re a mortgage holder,…
Do you have more than £10,000 in cash? You could be missing out on investment returns
If you hold more than £10,000 in a cash account, you could be missing out on potential growth and the…
How a life insurance policy could help you preserve an inheritance for loved ones
If your estate could be liable for Inheritance Tax, taking out an appropriate life insurance policy could help your loved…
Dividend Tax rate rise: Could it affect you?
The Chancellor has announced a Dividend Tax hike. Find out if it affects you and what steps you can take…
More people plan to work past traditional retirement age. Here’s what they need to consider
More people are expected to work past State Pension Age by 2030. Work can provide a sense of purpose and…
Generation X is looking forward to life’s small pleasures in retirement, but are in the dark about the cost
Research finds that Generation X is looking forward to life’s small pleasures in retirement, like socialising with family and friends…
Everything you need to know about the 2021 Autumn Budget
Rishi Sunak has delivered the 2021 Autumn Budget. Here’s everything you need to know about the chancellor’s announcements and what…
10 tips for travelling sustainably in 2022
If you’re looking at holidays for next year, a few small adjustments could make your trip more sustainable and support…
First-time buyers turn to longer mortgages, but the total interest paid could soar
First-time buyers are turning to longer mortgages to make homeownership more affordable. But it could mean paying thousands of pounds…
5 behavioural biases that lead to investment mistakes
Unconscious decisions and emotions can affect your investment decisions. Recognising some of the most common financial biases can help you…
Why you should consider involving your family in your financial plan
Financial planning is often something you do alone or with a partner. But, at times, including your wider family in…
7 steps to take when you receive an inheritance to make the most of it
Receiving an inheritance can be life-changing. But it can also be overwhelming and you may not know where to start…
Consolidation: Why it could help you beat the challenge of keeping track of pensions
Auto-enrolment and regular job switching mean the average worker will have multiple pensions. Consolidation could make it easier to manage…
Equity release: As house prices soar, here’s what you need to consider first
£1.17 billion of property wealth has been unlocked through equity release. However, it’s important to weigh up the pros and…
Income Tax doubles since 2000 – here are 2 allowances to help your money go further
In the last 20 years, the amount of Income Tax paid has doubled. With tax bands frozen until 2026, you…
After 2 “once in a lifetime” economic events in 12 years, how can you protect your assets?
In the space of just 12 years, investors have experienced two economic events that have caused volatility. What steps can…
Good Money Week: The beginner’s guide to “ethical” money
Good Money Week is approaching and aims to raise awareness of ethical finances. Find out what that means and the…
When can you access your pension? It might be further away than you think
The age you can access defined contribution pensions is rising from 2028, which could affect your retirement plans.
National Insurance and Dividend Tax rise as government suspends State Pension triple lock
The government has announced a National Insurance and Dividend Tax rise and suspended the State Pension triple lock. Here is…
Why switching to a sustainable pension is the best thing you can do to tackle climate change
A sustainable pension could prove to be an environmentally friendly alternative to your standard pension. Read about whether an ESG…
The millennial generation and wealth transfer paves the way for ESG investing boom
Millennials are the generation most likely to consider ESG issues when investing. With wealth set to pass to them in…
Why interest rates could start to rise in 2022 and what it means for your mortgage
After more than a decade of low interest rates, they could start to rise. While good news for savers, it…
Market shocks present reasons not to invest but you could miss out
Greater access to the news means it often seems like there’s a reason not to invest. But over the long…
Why rising house prices could mean you need to reconsider your Inheritance Tax plan
House prices have soared and could mean that you’re nearing the Inheritance Tax threshold. Taking a proactive approach can help…
Should you take a tax-free lump sum from your pension to celebrate retirement in style?
If you’re nearing retirement age, you may be thinking about taking a tax-free lump sum from your pension. While it…
7 things you need to do this Pension Awareness Day
Ahead of Pension Awareness Day, there are some things you can do to make sure your pension is on track…
5 excuses for not seeking financial advice, and why they’re wrong
Research suggests 9.4 million Brits aren’t seeking financial advice despite being open to the idea of it. For some, misconceptions,…
Life after lockdown: What do you want to achieve?
As lockdown restrictions lift, now is a great time to start thinking about what you want to achieve next year…
What does the end of the Stamp Duty holiday mean for the property market?
The Stamp Duty holiday will end in October. After record-high property prices in June, reports suggest prices could start to…
Can you still earn an income from investments in 2021?
The pandemic means many companies have slashed dividends. If you rely on investments to create an income stream, don’t panic…
The gender pay gap: How it goes beyond salaries and affects retirement
While steps have been taken to close the gender pay gap, it’s still having a huge impact on pension and…
How compounding could help younger generations become a pension millionaire
Retiring with a £1 million pension can seem like an impossible challenge for young workers. Yet, with the benefits of…
4 things parents can do to help children secure a mortgage and financial security
As younger generations struggle to secure a mortgage, you may want to provide support as a parent. There’s more than…
Investment market update: May 2021
Signs continue to point towards economic growth as Covid-19 restrictions lift. However, businesses and economies continue to face challenges, including…
What is shareholder protection and why is it important for business owners?
If a shareholder passed away or became ill, what would happen to your business? It can present challenges, but a…
What you need to know if you’re a Power of Attorney
If you’ve been named as a Power of Attorney, it can be daunting. Find out what you need to know…
Over 55s planning once in a lifetime experiences, but could finances hold back aspirations?
Research finds that over 55s are planning to tick off bucket list items as Covid-19 restrictions lift, but some say…
Retiring in 2021? Planning is key as two-thirds risk depleting their pension savings
Research suggests that two-thirds of retirees risk running out of money. As well as understanding what income your pension will…
World Environment Day: Why restoring ecosystems is important
The theme for this year’s World Environment Day is ecosystems. The protection and restoration of ecosystems is a huge task,…
Equity release: As property values soar, could your home help fund your later life?
As property wealth climbs to £6 trillion, more people are using equity release to access this wealth in retirement. It…
Covid-19 spurs more people to seek financial advice, but it’s not just for times of crisis
Half of UK adults say Covid-19 has prompted them to seek financial advice. However, long-term financial planning can mean families…
5 financial steps new parents should take to protect their family
If you’re a new parent, taking these five financial steps can help provide security for your family now and in…
5 reasons why Generation X need to engage with their pension to achieve security in retirement
While retirement may be some way off for Generation X, changes to pensions, lifestyle and the State Pension means they…
How inflation can reduce your pension and what you can do about it
One overlooked retirement risk is inflation. Without careful planning, inflation can mean your retirement savings don’t go as far in…
10 books to fall in love with from the British Book Awards 2021 shortlist
Britain has a long history of fantastic storytellers, and a new generation of authors have filled this year’s British Book…
7 things to consider when choosing your mortgage
Whether you’re a first-time buyer or already a homeowner, choosing the right mortgage product for you is important. We explain…
Employee benefits that self-employed workers miss out on, and how to bridge the gap
Research shows that self-employed workers are missing out on almost £10,000 worth of benefits every year. However, you can take…
Job market changes present retirement challenges for young workers
While young workers are thinking about pensions and retirement, changes to employment trends mean they’re likely to face different challenges.…
5 reasons to switch pension providers to boost your retirement savings (and 3 things to do first)
Most pension savers simply pay into the pension their employer has chosen. But you may want to switch – it…
Pension Lifetime Allowance is frozen until 2026: Will it mean your retirement tax bill soars?
The Lifetime Allowance is frozen until 2026. Exceeding the threshold could mean you pay more tax when you start taking…
Relief for savers as “tax day” sees government announce no significant tax reforms
There was great news for savers today as personal finances were largely untouched by reforms announced on “tax day”. Here’s…
What would an alternative to Stamp Duty look like?
The chancellor is facing calls to scrap Stamp Duty. While it’s an unpopular tax, it’s likely some alternative would needed…
First-time buyers, have you considered financial protection? The risk could be higher than you think
Taking out a mortgage is a huge financial commitment and creating a safety net to ensure you can pay if…
How has Covid-19 affected ESG investing? Signs suggest it could become mainstream
While there were concerns that Covid-19 would have a negative impact on ESG investing, reports suggest the opposite is true.…
5 steps to take for successful business succession planning to prime your firm for growth
If you’re a business owner, succession planning can help you nurture talent within your business and provide security.
Why planning for the 2021/22 tax year now is a fantastic idea
Have you thought about how you’ll make use of allowances and tax breaks in 2021/22? If you haven’t, you’re not…
10 practical financial spring cleaning tips to boost your savings
The days are getting longer and it’s the perfect time to review your finances to make sure everything is on…
Budget 2021 – The winners and losers
The measures announced in the Chancellor’s speech today will affect millions of people across the country. Here’s your look at…
Your 2021 Budget summary
Today, the Chancellor delivered his second Budget. Here’s your summary of the main points announced by Rishi Sunak in his…
International Day of Happiness: 5 reasons to be optimistic
In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there…
Will house prices rise or fall in 2021?
Despite economic uncertainty, house prices increased in 2020. However, rising unemployment and the end of the Stamp Duty holiday mean…
43% of savers and investors don’t know where to find advice
More than four in ten people don’t know where to seek financial advice and it could mean they’re missing out…
FTSE 100 suffers worst year since 2008 but your portfolio may still have gained
The FTSE 100 suffered its worst performance since the 2008 financial crisis in 2020. Yet, that doesn’t mean your overall…
Capital Gains Tax review: 2 things that could change
The government is currently reviewing Capital Gains Tax. It could mean that the allowances or tax bands change, potentially affecting…
Pembroke Financial Money Wise Winter 2021 newsletter
In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there…
6 tax allowances to use before 5 April 2021 to boost your finances
The current tax year ends on 5 April 2021. Some allowances will reset after this date. Making use of them…
5 tips for ‘switching off’ when you’re working from home
Four in ten employees say they find it hard to switch off when they stop working. It’s something more workers…
7 mortgage advice tips that could save you money in 2021
Reviewing your mortgage and options now could save you money in 2021 and over the rest of your mortgage term.…
Protecting your business: What you need to know about key person insurance
Just one in five SMEs protect their business by taking out key person insurance. It’s a product that can provide…
Financial health check: How do you score?
77% of Brits define financial success as not having to worry about money. However, many aren’t taking steps to prepare…
Have you prepared emotionally for retirement?
When approaching retirement, it’s common to organise your pension and other financial areas. But it’s just as important to consider…
Pension gap: How can women improve their security in retirement?
Women are retiring with £100,000 less in their pensions on average when compared to men despite progress. However, there are…
7 tips for sticking to your new year’s resolution
Are you planning to make a new year’s resolution for 2021? It’s difficult to stick to plans and stay on…
How to beat the Stamp Duty holiday deadline
If you’re thinking of moving home, beating the Stamp Duty holiday deadline at the end of March 2021 could save…
Research finds that Brits are worryingly exposed to financial shocks
While Brits are good at managing their day-to-day finances, many are overlooking planning for the unexpected. This could leave families…
What has 2020 taught us about investing?
Covid-19 has meant stocks markets in 2020 have experienced volatility, but it’s taught us many valuable investment lessons too. Read…
The pension basics everyone needs to know
Research has found seven in ten people don’t fully understand how their pension works. We explain the basics that you…
New year’s resolutions to improve your finances
New year is the perfect time to get your finances in order. If you want a healthier financial future, here…
Half of workers planning a career change in the coming months due to Covid-19
Research suggests that half of workers are planning a career change in the next 12 months, from retraining to work…
Your 2020 Spending Review summary
Find out more about the announcements Rishi Sunak has made as part of the Spending Review and what they could…
6 reasons to use a mortgage broker
When searching for a mortgage, you may be thinking about finding one by yourself. But working with a mortgage broker…
Why financial lessons are important for children and teens
While financial education is now taught in schools, young people are still reaching adulthood with gaps in their knowledge. The…
Balancing investment risk and reward: What should you consider?
All investments come with risks, but how is this linked to the rewards? Our blog explains what you need to…
Underestimating the amount you need in retirement: How a mid-life check can help
Two-thirds of those aged 50 to 65 are under saving for retirement. Reviewing your pensions while still working can help…
Are you taking an unsustainable amount from your pension?
Figures suggest four in ten people may be taking an unsustainable income from their pension, potentially leading to financial insecurity…
7 signs your work-life balance could benefit from an adjustment
Our working life can spill into personal life and affect our wellbeing, but it’s not always easy to spot when…
Millennials struggle with homeownership: 5 things that could help
71% of millennials are worried they will never be able to buy a home as property prices continue to rise.…
How the surge in house prices could affect securing a mortgage
Pent up demand following lockdown means house prices have increased 5.2% year-on-year. It could present challenges for first-time buyers, but…
Accessing a Child Trust Fund: What are the options?
Those that turned 18 in September were the first teenagers to be able to access their Child Trust Fund. If…
Good Money Week: ESG and investment sustainability
With Good Money Week celebrated in October, we explain what ESG investing is and how it could add value to…
How a will can help you reduce Inheritance Tax
A will is an essential part of your estate plan and it could help reduce the amount of Inheritance Tax…
Chancellor announces new Covid-19 economic support – everything you need to know
Read about the announcements Rishi Sunak has made as part of a new range of measures designed to support the…
Giving to charity: How it can be tax-efficient too
Giving to charity may be part of your financial plan now or in the future. Donations can provide tax benefits…
5 things to expect when you return to work in the office
After months of working remotely during lockdown many are returning to office life. You may be worried about safety, or…
Older borrowers facing challenges securing mortgages
Figures suggest eight in ten borrowers over 55 are struggling to secure a traditional mortgage. If you have mortgage debt…
What to do if you have multiple small pension pots
Research shows there are millions of small pension pots. It can make it difficult to keep track of retirement savings,…
4 financial steps to take if you’re facing redundancy
A Bank of England poll suggests the unemployment rate could reach 11%. If you are worried about your job situation,…
5 things to consider when you come into unexpected money
Coming into unexpected money has the potential to transform your life if used wisely. Here are our five tips on…
Could family income benefit insurance be right for you?
When we plan for the future, it’s also important to think about the unexpected things that might happen. No one…
5 steps that allow you to handle a financial crisis
Even with careful financial planning, shocks can happen. Often financial crises are unexpected and out of our control, so it’s…
Retirement planning as a couple: Balancing different goals
Planning for retirement should be an exciting time in your life. You’re able to give up work and focus on…
3 financial lessons to teach young adults before they go to university
Young adults planning to head to university this year have faced more challenges than usual thanks to Covid-19. Yet, come…
5 things you might not know about Equity Release
Every year older homeowners use Equity Release to help access millions of pounds to fund retirement. As property prices have…
Could a guarantor mortgage help you secure a home?
If you’ve been saving up to buy your first home, it may feel like the goalposts have been moved. First-time…
The economic impact of coronavirus
As Covid-19 health concerns begin to fall, worries have shifted to the long-term economic impact. 90% of people are worried…
Cashflow planning: Helping to answer ‘what if…’ questions
It’s natural to wonder what will happen if things don’t go according to your plans. Cashflow planning can help you…
Accessing your pension: Annuity vs Flexi-Access Drawdown
Should you choose a guaranteed income in retirement or an option that provides flexibility? Considering five questions can help you…
Covid-19 market volatility highlights differing investment attitudes of men and women
Research suggests that men and women have reacted differently to market volatility, but is one of the approaches ‘right’? We…
Low interest rates: Should you remortgage now?
The Bank of England base rate has been cut to just 0.1%, it could mean an opportunity for mortgage payers…
5 financial podcasts to download this summer
There are thousands of podcasts to choose from, covering almost every topic imaginable. If you want to brush up on…
Our Guide to Individual Savings Accounts (ISAs) for 2020
ISAs, or Individual Savings Accounts, have been around for over 20 years. Back in 1999, then Chancellor Gordon Brown introduced…
3 Pembroke Financial IFAs carry the Gold Standard for Pensions
Chartered Financial Planners, Frances Boiling and Guy Ovenden and new Adviser, David Brunning, of Pembroke Financial Services Ltd, one of…
Pembroke Financial Services Coronavirus Update
These last few months have been interesting times for us all and we want to thank, from the bottom of…
First-time buyers, remember to factor in these costs
It’s easy to see why first-time buyers focus on building a deposit, but other costs need to be factored in…
Dividends and coronavirus: Will your income be affected?
As companies announce they’re suspending or reducing dividend payments, you may be worried about what it means for you. Find…
What are your rights if you have a summer holiday booked?
If you had a summer holiday booked, what are your refund rights amid the coronavirus pandemic? We take a look…
Imminent Retirement Planning in 2020 – Brighton IFA’s 7 step plan
If you’re retiring this year, congratulations! Jim Rixon, Independent Financial Adviser at Pembroke Financial Services, who offer expert pensions advice…
Sussex IFAs on ‘Why you should have a Power of Attorney in place’
If you don’t have a Power of Attorney in place, Adrian Moy, one of Pembroke Financial Service’s Independent Financial Advisers…
Is now the time to invest?
With stock markets falling, is now the ‘right’ time to invest? It may seem like a straightforward question, but your…
What does the Covid-19 pandemic mean for my pension and retirement?
As the coronavirus pandemic continues to dominate world headlines, here’s what it might mean for your pension and retirement plans.…
12 things to do during lockdown to improve your financial well-being
These are strange and uncertain times during which the UK Government has advised its citizens to remain at home in…
How to save for retirement in your 20s
More people in their 20s are saving into a pension than ever before. But what steps should they be taking…
The new tax planning year dawns (just in case you hadn’t noticed)
The new tax year is now a week or so old and, whilst we appreciate that this may not be…
A brief guide to retirement interest-only mortgages
For anyone nearing retirement with time remaining before your mortgage comes to an end, it can be concerning when a…
Sussex IFAs outline the Covid-19 Financial measures: March 2020
It feels like an eternity, but only 2 weeks ago the new Chancellor, Rishi Sunak, conducted his first Budget which…
Three points to consider when accessing your pension at 55
For the majority, from the age of 55 they have access to their pension. Should you be coming up to…
The 2020 Budget Winners and Losers
On Wednesday 11th March, Rishi Sunak delivered the new Conservative government’s first budget. Backed by a large majority, the essence…
Impact of the Coronavirus outbreak on global investment markets
Clearly, the Coronavirus outbreak is not a traditional macroeconomic event like say, the 2008 Credit Crunch and the ensuing global…
Have you thought about your financial well-being recently?
We all try to take care of our emotional and physical well-being, but have you given the same consideration to…
Top ten tips for successful mortgage applications
Buying a house is one of the most stressful events in many people’s lives. From finding your dream home to…
Tax efficient investing in Sussex: VCTs continue to attract investors
The latest statistics from HMRC show that Venture Capital Trusts (VCTs) are increasingly attractive to investors, offering potential tax benefits…
Savings Advice Sussex: is the LISA an option for first-time buyers?
The Help-to-Buy ISA has departed, though you can still pay in if you already had one. But is the Lifetime…
Investment Advice in Sussex: 5 things to keep in mind when you review your investments in 2020
2019 is over but how has your investment portfolio performed over the last 12 months? We take a look at…
Mortgage Advisers in Sussex: Why financial protection is important when buying your home
Your home is clearly one of the largest purchases you’ll ever make. You’ve probably taken out Buildings and Contents insurance…
Ethical Investing with Sussex’s leading IFA: Investing on principle
Whether it’s the Extinction Rebellion protests or Greta Thunberg’s speech to the UN, there has been a renewed focus on…
Always factor inflation into your financial planning cycle
UK Inflation has fallen to its lowest level in almost three years, but it could have a cumulative knock-on effect…
Pembroke Financial Services Winter 2019/2020 Newsletter – Money Wise
What’s next? …into the new decade. 2019 was quite a year. In the final few months of the year the…
IFAs in Brighton recommend five ways to develop better spending habits
At a time of year even more focused on spending than usual, there are a few simple habits you can…
A very Happy Christmas from all of us at Pembroke Financial Services
Festive Financial Services joke for the day “Why don’t you ever see Santa in hospital? Because he has private elf…
The Christmas financial gifts that keep on giving
Christmas is around the corner and adverts for toys and gadgets are everywhere. But have you thought of making a…
Sussex pension advisers see higher state pension increases on the cards
The new state pension looks likely to be in line for a relatively large increase next year, but it still…
Pembroke launch a suite of Responsible investment portfolios
Independent Financial Advisers and Investment specialists, Pembroke Financial Services are delighted to announce the launch of the Prestige Better World…
Investment Advice in Sussex – UK dividend growth continues, but for how long?
Recent statistics show that dividends from UK shares rose by nearly 7% year-on-year in the third quarter of 2019. The…
What price our tax reliefs? Some of them may be in the next Chancellor’s firing line
Have you ever pondered the overall cost of the tax reliefs which you enjoy when you look at your annual…
Starting early for tax year end investments
There is more time to capitalise on opportunities for early year-end tax planning and Venture Capital Trusts (VCTs) are launching…
High Return Investments – If it looks too good to be true…
The recent failure of a promoter of high return investments was a reminder of the dangers of being lured by…
How much is enough on pension contributions?
Pension contributions rose in April for many people, but the increase may still not be enough to fund a comfortable…
Annuity rates have fallen to their lowest level in 25 years as interest rates and drawdowns bite
Annuity rates hit their lowest level since 1994 in September, with implications for those making retirement decisions. Since the introduction…
The search for yields gets harder
In September the Bank of England held off from following the Federal Reserve (the Fed) and the European Central Bank…
Holding your nerve in volatile times – Autumn Newsletter
Welcome to your Autumn 2019 newsletter. We hope you enjoy reading it. It’s almost impossible these days not to think…
Who are the top 1% of income tax payers?
The top 1% of income tax payers account for 27% of all the UK’s income tax collected, but who are…
The lasting power of peace of mind
More people are now setting up a Lasting Power of Attorney (LPA)… and not just those in later life. The…
How do you feel about state pension age increasing to 75?
A report from a Conservative think tank suggesting a quicker rise to a state pension age of 75 has ruffled…
A bumpy ride for August on the stock markets
August was a rollercoaster month for international markets with interest rates, trade wars and Brexit contributing to a bumpy ride.…
Money purchase pension annual allowance penalties – pick a number, any number.
Freedom of Information (FoI) requests have highlighted a lack of HMRC’s knowledge about how many people have been hit with…
New headaches for private landlords
Private landlords could find it harder to evict tenants in future, thanks to new government legislation. Landlords will no longer…
New prime minister, new tax policies
Boris Johnson took office towards the end of last month with a new chancellor in Sajid Javid, both with different…
Balancing the school fees equation
School fees are rising faster than the rate of inflation, creating financial challenges for parents who want to educate their…
When it comes to funds, the best investment advice is personal
The recent trials of the Woodford fund highlight the importance of personal advice on your investments. The suspension of dealings…
Could We See the Back of Inheritance Tax?
Widely regarded as the most unpopular tax, IHT is under scrutiny from both government and opposition. Is it time it…
Inflated expectations
Investor expectations have been dialled up by the market returns of recent years. Independent Financial Advisers will need to add…
Brave new world of Universal Basic Income (UBI)?
If those three letters mean nothing to you now, they may do soon. Universal Basic Income – or UBI -…
A second successful Midnight Walk for St Barnabas…. and a thank you!
This time it was ‘Team Marshall’, organised and captained by Ryan Marshall’s wife, Maxine. Maxine (who walked with the Pembroke…
Pensions and divorce – not just about the split
When it comes to dividing up assets on divorce, pension rights can turn out to be one of the most…
Dividends wobble with 40% cuts
From a record high in the first quarter of 2019, dividends were knocked by some high-profile cuts in May. Recent…
How well do you understand inheritance tax?
Only one in four respondents to an HMRC survey completely understood how the inheritance tax (IHT) system could work for…
Pension flexibility: too taxing for many
Lump sum withdrawals under pension flexibility are resulting in over-paid tax due to emergency tax codes. Don’t be caught out.…
Ripple effect widens for China investors
It is not only Chinese mainland shares which are now attracting investor attention. China is in the investment news again…
A popular peak for venture capital trusts
Venture capital trust (VCT) investment is at a 10-year high. There may be opportunities early in the tax year to…
Riding out the US investment bends
A brief dip in US Treasury securities yields illustrates the benefits of holding your nerve amid investment ‘noise’. On 22…
Retirement Planning – How long do you want to work… ?
New labour market figures show record levels of employment for the over 65s. As people are living longer, a parallel…
Living longer, but will your pension last? Pension planning is essential
Statistics are showing a slowdown in the rate of improvements on our longevity, but don’t let the headlines mask the…
Planning the longest holiday of your life – Retirement Planning Key Guide
There comes a time when you stop working for your money and put your money to work for you. For…
ISAs – Happy 20th birthday!!
ISAs celebrate their 20th birthday this April. If you haven’t reviewed yours in a while, this a good opportunity to…
China emerges on to the investment stage
Chinese investment markets set to become increasingly important part of investment portfolios as share of Emerging Markets Index likely to…
Retirement planning for the 100-year life
Your chances of reaching 100 are probably greater than you imagine. It may sound fanciful, but a 100-year lifespan is…
Ringing the changes of the new tax year
The tax year 2018/19 ends on Friday 5 April, which means it’s time to start planning for the new tax…
One more twist on buy-to-let
Buy-to-let investors will be hit by the latest phase of tax changes coming in from April, coupled with changes to…
Your 2019/2020 tax tables
Full of useful information to have at your fingertips for the coming tax year. Please find attached Pembroke’s updated Tax…
Check your April pay slip
April is the one month in the year it pays to check your payslip with new tax and auto-enrolment rates…
Pembroke becomes Adur Special Needs Projects first Corporate Sponsor
We are absolutely delighted to become Adur Special Needs Project’s (ASNP) first business sponsor. Our sponsorship of this fabulous little…
Inheritance tax reductions ahead of potential reform
Future increases to the residence nil rate band might be in question, thanks to the OTS review of inheritance tax.…
Happy birthday to tax-free savings
It’s the 20th birthday for tax-free investment in ISAs. With the deadline for contributions approaching, have you made the most…
Preparing for the new tax year
Changes to income tax, NICs and pension contributions are coming for 2019/20. One of the few certainties about 2019 is…
Do your employees know that earnings thresholds are rising with auto-enrolment contributions?
In early December the Department for Work and Pensions (DWP) announced the thresholds that should apply to automatic enrolment pension…
Filling the pensions hole for the self-employed
The Department for Work and Pensions (DWP) is aiming to expand pension coverage among the self-employed. Pension automatic enrolment -…
The world’s share markets mostly saw falls in 2018
2018 was a much more volatile year than its predecessor for investors as Brexit and Trump worried the markets. 2018…
The FCA advises caution with crypto-currencies
The Financial Conduct Authority (FCA) is warning consumers about investment scams that purport to invest in crypto-currencies. The watchdog has…
Shake up your New Year’s resolutions
New year, new resolutions to break? Try our four financial resolutions with long term benefits. Have your New Year resolutions…
Don’t ignore your credit report
It pays to be aware of your credit history to ensure no-one is applying for loans or credit cards in…
Christmas Wishes from Pembroke Financial Services
At the festive season, our thoughts turn gratefully to those who have made our progress possible. It is in this…
Growing ethical investment for sustainable returns
The amount of money invested in ethical funds has trebled over the past 10 years according to the Investment Association.…
State pension age equality means increases for everyone
The State Pension Age (SPA) became equal for men and women for the first time, at age 65, on 6…
Tax Planning: Unmarried couples lack the rights of married couples
Two recent events have shone different lights on the government’s view of unmarried couples. As the graph shows, marriage has…
HMRC spotlights IHT returns as a new case shows risks of late planning
Imagine you are named as the executor and a beneficiary of your wife’s wealthy aunt. You learn that she is…
Is Inflation eating into the value of your savings?
Interest rates on instant access savings accounts continue to be outstripped by inflation, so where should you invest your money?…
The Budget 2018: an end to austerity? What did it mean for you?
The 2018 Budget, which was delivered on a Monday for the first time since 1962, produced a number of surprises,…
Leading think tank proposes radical shake up of UK’s tax system
The Institute for Public Policy Research (IPPR) is a centre-left think tank that has a long history of influencing Labour…
Cash ISAs fall out of favour as inflation outstrips interest rates
The popularity of Cash ISAs is continuing to wane according to new statistics from HMRC. With inflation persistently above interest…
Class 2 National Insurance Contributions are here to stay
Self-employed workers with small profits breathe a sigh of relief as the Chancellor has changed his mind – again –…
Global stock markets are showing very mixed results in 2018.
Is your investment plan making the most of the opportunities out there? Ryan Marshall, Investment specialist and Independent Financial Adviser…
Trick or treat? The Chancellor calls the 2018 Budget for late October
What should we expect from the 2018 Budget? Will the Chancellor turn to inheritance tax, fuel duty, stamp duty, a…
Auto enrolment into Workplace Pensions six years on – a success?
There is absolutely no doubt that pension savings have grown after six years of Automatic Enrolment, but more progress is…
Is your pension planning good enough to cover your retirement years?
…the beginning of the end for rising life expectancy? A paper published in August by the Office for National Statistics…
Record inheritance tax revenues ahead of simplification review
As inheritance tax (IHT) receipts hit a record for the Treasury, is it time to review your estate planning ahead…
Interest rates start to creep up after nine years – more to come?
The Bank of England increased the base interest rate in August to 0.75% – the second increase in 12 months.…
OBR forecasts to force government to raise taxes next Budget?
The long-term outlook for government finances suggests that tax increases are inevitable. The Office for Budget Responsibility (OBR) produces medium-term…
2018 proves volatile for investors after the smooth sailing of 2017
The first six months of 2018 were unpredictable times for investors as global stock markets suffered a sudden bout of…
LISAs mauled by Select Committee – Should you invest before they disappear?
The Lifetime ISA (LISA) may not survive after low uptake by providers and fresh criticisms from parliament. The LISA has…
More pre-Budget rumours of changes to pension tax relief
The prospect of a flat rate of tax relief on pension contributions has resurfaced in the national press. The cost…
Important rate announcements made in June in the UK and the US
Interest rates for the Eurozone and US diverge leading to currency fluctuations as investment markets prepare for base rate rises.…
NS&I put the brakes on investments for their Growth and Income bonds
National Savings & Investments (NS&I) has introduced limits on its offerings for wealthier savers. In mid-June NS&I announced a revision…
New data from HMRC shows where income tax revenue comes from
Who pays the most income tax? HMRC’s latest statistics provide an interesting insight into the income tax paying population. These…
A Successful Midnight Walk for St Barnabas…. thank you
Can we say a huge thank you to everyone who supported us for this most worthy of causes. St Barnabas…
Pension scams and cold calling – Be on your guard
Be wary of cold-callers who offer a ‘free’ pension review – it could cost you more than you think. Cold-calling…
Interest rates likely to rise this year, despite being held in May
The Bank of England did not raise interest rates in May, despite earlier suggestions that it would. About four years…
Transfers out of private sector final salary pensions boomed in 2017
There was a dramatic increase in the number and the value of transfers out of defined benefit (usually final salary)…
Please help us achieve our target for our Midnight Walk for St Barnabas
You will remember that we messaged you at the beginning of May telling you that we hoped to raise at…
Heard about the potential savings from Relevant Life Assurance Policies?
No? A little-known type of life assurance policy could provide you – or your employees – with highly tax-efficient life…
What will your pension pot savings mean at retirement and are you saving enough?
It is most definitely worth working out what your potential pension pot could actually buy for you in terms of…
An unexpected dip in UK inflation delays interest rate rise in May
UK inflation is falling faster than expected, as the March figure for the Consumer Price Index (CPI) was 2.5%. Could…
Graduates get a break as student loan repayment threshold rises
The income threshold at which student loan repayments begin rose on 6 April 2018. English and Welsh students who started…
Couples can save an extra £20k in inheritance tax from April
Couples could now save an extra £20,000 of inheritance tax (IHT), as the residence nil rate band (RNRB) increased in…
The Pembroke Plodders are walking for St Barnabas!
The ‘Night to Remember Midnight Walk’ in Worthing raises money for a great cause – St Barnabas House. It all…
New risk criteria for venture capital schemes in 2018
Important changes for venture capital schemes and enterprise investment have recently come into effect. New, what are called ‘risk-to-capital’ conditions…
The benefits of early ISA investments
Don’t wait for the end of tax year reminders! There are advantages to planning your ISA investments at the beginning…
Pembroke Financial Welcomes Frances Boiling to The Team
Pembroke Financial Services are absolutely delighted to announce the arrival of Frances Boiling as the latest addition to their 9…
2018/2019 tax tables and the Chancellor’s first Spring Statement
These tables are up-to-date with everything announced in the Spring Statement, giving you all the key numbers in one place.…
New tax rates apply from 6 April – summary now available
The start of the new tax year on 6 April marks several changes to tax and related matters that could…
Government refund for Power of Attorney fees for registration between April 2013 and March 2017. Are you eligible?
You could well be due a refund if you have registered a Power of Attorney in recent years. It’s not…
The ISA inheritance rules are simplified for couples from 6 April
Back in 2014 the then Chancellor of the Exchequer , George Osborne, announced that that Individual Savings Accounts (ISAs) would…
The Spring Statement – replacing the Spring Budget – is on 13 March
There will be no Spring Budget this March, but that doesn’t necessarily mean that the Chancellor, Phillip Hammond will be…
Your tax year end planning – how Pembroke Financial can help
The 5th April is approaching fast so it’s important to take the time to give your finances a tax year-end…
The deadline is approaching for using your ISA allowances
Your Individual Savings Account (ISA) allowances expire on 5th April and with a lower dividend allowance from 18/19, should you…
There is still time for tax year end pension contributions
With the tax year end approaching, have you maximised your pension contributions? Both February and March are rightly popular times…
A Helping Hand for Whoopsadaisy from Pembroke Financial Services
Shoreham-based Independent Financial Advisers Pembroke Financial Services has donated £3,500 to support the children’s disability charity, Whoopsadaisy. Whoopsadaisy is a…
How can you help counter the effects of rising inflation and low interest rates in your investment choices?
Prices have been rising at their fastest rate for five years. Annual inflation (as measured by the Consumer Prices Index…
The next steps for auto-enrolment start this April, with more change on the cards.
The Automatic Enrolment of employees into workplace pensions has been a greater success than many predicted when it was introduced…
A good year for global share markets – but are we to expect a volatile 2018?
The world’s share markets were a profitable place to be in 2017, but the year was not without its drama.…
Investing for children – it’s not just for Christmas!
National Savings has closed one option, but there are many more possibilities to consider. Back in September of last year…
Pembroke Financial Services – Winter 2017 Newsletter
Welcome to your Winter 2017 newsletter. We hope you enjoy reading it. It’s been quite a year. Two Budgets and…
What did November’s interest rate rise mean for you?
November marked the first rise in the Bank of England Base Rate in over ten years. At the start of…
NS&I increase interest rates and lower the odds of winning.
At the start of November, the Bank of England raised its base rate for the first time since 5 July…
Buy-to-let investors took a hidden hit in the Autumn Budget
Chancellor Philip Hammond’s Autumn Budget contained more bad news for many buy-to-let investors which went largely under the radar. Next…
Why buy financial advice and who to buy it from?
Deciding to pay for financial advice is a big step. It is normal to question yourself, especially as the results…
Autumn Budget snippets… from a Financial Planners’ perspective
In truth, there were no momentous changes to tax or pensions announced in last week’s Budget which will have any…
Will current inflation levels really boost state pension income?
State pensions will rise by 3% next April, but it’s not all strictly good news. The BBC website, covering the…
The Bank of England finally raises interest rate after inflation dodges 3%
The September inflation rate was just low enough to spare Bank of England (BoE) Governor, Mark Carney, from having to…
Are Cash ISAs losing favour?
In the world of ISAs, cash ISAs have long attracted more contributions than their stocks and shares counterpart. However, new…
What space does the Chancellor have for change in his Autumn Budget in November?
The Chancellor, Phillip Hammond, announced the date of his first Autumn Budget as Wednesday 22 November and this will be…
Are you covered on personal lending?
The boom in personal lending is worrying the Bank of England. The rate at which people are taking out loans,…
Inheritance tax receipts hit a new high according to HMRC
Inheritance tax (IHT) is raising more than ever according to HM Revenue & Customs. How much do you want to…
How many different ways can we measure inflation? More than you might think.
August was a month when inflation hit the news headlines several times trailing with it a cloud of acronyms: The…
A Junior ISA with a minor interest rate!
National Savings and Investments (NS&I) have entered the Junior ISA market. In 2011, the Junior ISA (JISA) was introduced as…
Seven tax tips for 2017/18
Uncertainty is the name of the game so far during this tax year, with post-Budget U-turns and a rushed pre-election…
Self-employed workers are under-insured and struggle to save
As the dream of retirement creeps further out of reach, Self-employment has become the route of many. There are around…
The Latest Pembroke Financial Services Guide to the Taxation of Property
The Latest Pembroke Financial Services Guide to the Taxation of Property, covering the key implications of taxation of property including…
Pembroke’s new blood – introducing two new members of our team
A warm Pembroke welcome to our two new members of staff who take our numbers back to 17 and strengthen…
The Pembroke Financial Services Guide to Making the Most of ISAs
ISAs have become a key component of an IFAs’ savings and investment plans for clients. With the addition of new…
There is a danger that pension flexibilities encourage DIY pension planning.
Two years on from the introduction of pension ‘freedoms’ or pension ‘flexibility’, the Financial Conduct Authority (FCA) has examined its…
Mortgage brokers are top with Consumers
A new poll has revealed how much mortgage customers value the services of their mortgage brokers. Of the 1,500 surveyed…
Inflation – Prices rising at their fastest rate for nearly four years
Whilst May inflation data came as a surprise to many pundits – the expectation had been for inflation, as measured…
Household savings hit record low
Household savings have reached a record low, with UK residents saving on average only 1.7% of their earnings, according to…
Financial advice leaves people £40k better off
A new report has found that people who receive financial advice are on average £40,000 better off than those who…
Investment indices don’t tell the whole story for the first half of 2017
The first six months of 2017 have presented investors with an interesting half year. – There were several serious terrorist…
The Inheritance Tax Residence Nil Rate Band… not all it seems
The inheritance tax (IHT) residence nil rate band is now available and could potentially cut the IHT bill on your…
The importance of diversifying your investments
We have seen how unexpected events can impact on investment markets – last year with Brexit and Trump and this…
The next increase in State Pension Age has edged nearer
Do you know when you will start to receive your single-tier State pension? You can use the government website (www.gov.uk/state-pension-age)…
The importance of a financial planning review
Several important changes to tax and benefits were introduced at the beginning of 2017/18, so it makes sense to review…
The politics of social care – the dispute continues.
The politics of social care – the dispute continues. The past few months’ general election campaign provided a reminder that…
The 2017 election manifestos offered precious little good news on the future of income tax.
The 2017 election manifestos offered precious little good news on the future of income tax. We would say that judging…
The changes to Probate fees are an election casualty few will mourn.
The changes to Probate fees are an election casualty few will mourn. The snap General Election has put a stop…
State pensions are not quite what was advertised.
State pensions are not quite what was advertised – over half of eligible pensioners are not receiving the full new…
Spring Budget casualties from the snap election
In hindsight, Chancellor Hammond didn’t have much luck with what he said would be his “first and last Spring Budget”.…
Your pension allowances are shrinking
Cuts and adjustments made to the two main pension allowances since 2011 have made retirement planning all the more complicated.…
The Budget dividend allowance cut – what will be the damage?
One of the very few surprises of Phillip Hammonds’ March Budget was his cutting of the dividend allowance which comes…
Another notch up in State Pension Age
A government initiated independent review by John Cridland in March has proposed bringing forward the move to a state pension…
The new NS&I bond – is that it?
The Budget confirmed the rate on the new National Savings & Investments Bond at 2.2%. That is the fixed rate…
Individual Savings Accounts (ISAs) and Inheritance Tax (IHT) Planning
ISAs are seen as the ‘base layer’ of good financial planning because of their general tax efficiency. They have, however,…
NS&I lose lustre as it cuts interest rates from 1 May
National Savings and Investments (NS&I) have announced that it will be cutting interest on four of its variable rate products…
The beginning of the new tax year can be just as valuable as its more familiar year end counterpart.
The run up to 5 April, with the Budget and often Easter intervening, can be a frenetic time for personal…
The new ISA variant, the Lifetime ISA (LISA) arrives on 6 April.
The new ISA variant, the Lifetime ISA (LISA) arrives on 6 April. One of the final surprises produced by George…
Automatic enrolment has reached a new landmark, but the path from 2017 onwards could be challenging.
Automatic enrolment has reached a new landmark, but the path from 2017 onwards could be challenging. When automatic enrolment (AE)…
What do I need to remember to do before the tax year ends? Some 5th April reminders
What do I need to remember to do before the tax year ends? Some 5th April reminders. This year, more…
Pembroke Financial – Spring 2017 Newsletter
Welcome to the first newsletter of 2017. There were a number of developments at the end of last year which…
Pension transfer values are up 15%. What’s the next step?
Pension transfer values are up 15%. What’s the next step? It wasn’t just the UK equity market which rose in…
More protection for your savings
More protection for your savings. Your savings up to £85,000 will now be safe should a bank or building society…
Chancellor announces Wednesday 8 March as the date for the Budget 2017.
Chancellor announces Wednesday 8 March as the date for the Budget 2017. It may feel like Mr Hammond’s Autumn Statement…
Trump’s in charge. What will this mean for investments?
The arrival of Donald Trump marks a change of direction for the US government from the near status quo that…
The FSCS limit may increase at the end of January so it could be time for a review
It looks likely that the deposit protection limit will rise at the end of January. At the start of 2016,…
Our Winter 2016 Newsletter
It’s been a busy and fraught summer, both before and after the EU referendum on 23 June. With a changeover…
Financial Protection – Is your family financially protected?
Is your family financially protected? The current system of bereavement benefits is being overhauled from April 2017. A key change…
LISA, Lifetime ISA, reappears after a summer redesign
LISA reappears after a summer redesign. The Lifetime ISA – LISA – is back in the spotlight, after it disappeared…
Two wrongs don’t make it right – tax evasion, avoidance…. and planning
Two wrongs don’t make it right – tax evasion, avoidance…. and planning. HM Revenue & Customs (HMRC) was busy in…
What could a £5,000 a year pension be worth today?
What is a £5,000 a year pension worth? If you have pension benefits from an old private sector final salary…
How to find income in a tricky savings climate
Finding income in a tricky savings climate. According to the Bank of England, ‘real’ interest rates may not rise much…
Does a pension beat property?
Does pension beat property? “Residential property beats pensions as an investment for retirement planning” says the Bank of England’s Chief…
A 3rd quarter investment lesson
A 3rd quarter investment lesson. Short term stock market movements are hard to predict and the 3rd quarter of 2016…
Autumn Statement rumours of radical reform of pension contribution tax relief.
The pre-Autumn Statement rumour mill is suggesting a radical reform of pension contribution tax relief. Could tax relief for pension…
Is it time to review your cash ISA holdings?
New statistics from HMRC show that cash is still a popular ISA investment, despite ultra-low interest rates. In early summer…
The third quarter of 2016 was not the meltdown it threatened to be after the referendum.
The final days of the second quarter of 2016 were dominated by the fall-out from the outcome of the referendum…
The post-Brexit decline in the pounds value hasn’t been all doom and gloom for investors.
“The Brexit vote has completely changed the picture for dividends this year and beyond.” So said Capita, one of the…
Savings rates have fallen which is a wake-up call if you have money in closed accounts.
The Bank of England may have finally ended speculation and dropped the interest rate from 0.5% to a new low…
Are you thinking of converting your pension pot into retirement income? Read this first.
One of the UK’s biggest insurance companies has withdrawn from the advisory annuity market. RetirementPlanningCompassThe pension freedom reforms revealed in…
The Department for Work & Pensions (DWP) is writing to over 100,000 people with bad news about their state pension
The new single-tier state pension was launched in April of this year, but the way in which it was introduced…
Post-Brexit UK is a volatile place for savings and investments
The first half of 2016 has been marked by volatility – especially in the final week. June, or to be…
The Pension Regulator’s inbox gets fuller on Auto-Enrolment penalties.
The Pension Regulator’s inbox gets fuller on Auto Enrolment penalties. It is not only BHS which is keeping the Pensions…
Anomalies uncovered in personal savings allowance legislation.
Not everything your bank pays you counts towards the personal savings allowance. When the personal savings allowance (PSA) was first…
Making tax digital
At the March 2015 Budget, the government set out the vision for a transformed tax system and the end of…
Putting off making a will is a false economy.
Recent research has revealed how much it costs to make sure your wishes are met on death. Do you have…
Inflation was at the highest rate since December 2014 and cannot be ignored
The March inflation number was the highest since December 2014. UK inflation picked up in March, reaching the dizzy heights…
NS&I to cut interest rates on five of its variable rate products
National Savings & Investments (NS&I) has announced that it will be cutting interest on five of its variable rate products,…
Sponsorship deal made for arts centre
Shoreham-based Pembroke Financial Services has teamed up with the Ropetackle Arts Centre for a new three-year sponsorship deal…
A cut capital gains tax (CGT) – but not for everyone
The Chancellor made a surprise decision to cut capital gains tax (CGT) in his Budget – but not for everyone.…
Advice on Mr Osborne’s Spring Budget
The third Budget in 12 months. This 2016 Budget looked as if it would be a difficult one for the…
2016/17 Tax Tables
We have pleasure in enclosing our tax tables for the 2016/17 tax year, updated for announcements made in the Budget.…
It’s time to start planning for the new tax year
As we near the end of the tax year, now is the time to consider not only year-end planning, but…
Your latest PAYE code may look a little strange
Breaking the PAYE code. It’s the time of year when HM Revenue & Customs (HMRC) sends out PAYE codes for…
Pension tax relief reform
Further rumours that the Chancellor will reform pension tax relief for pension contributions in the Budget. There have been more…
Concern on Rising Levels of Non-Compliance on Auto-Enrolment
Automatic enrolment: are you ready? More employers are failing to meet their obligations. The latest report on ‘compliance and enforcement’…
National Savings is both reducing and increasing interest rates
The ups and downs of National Savings. National Savings is both reducing and increasing interest rates. But its real rate…
What are Pembroke’s plans for 2016 to protect your Investments
What are Pembroke’s plans for 2016 to protect your investments from volatile financial markets. Investment markets had a tough year…
Buy-to-Let and second homes hit by SDLT increase from April 2016
Buy-to-let hit again. The last Autumn Statement marked another future tax increase for buy-to-let. “Frankly, people buying a home to…
Basic State pension to rise by nearly 3% next April
State pension increases and non-increases. The basic state pension will rise by nearly 3% next April. The Autumn Statement confirmed…
The Government is counting the cost of tax relief on pensions
Auto-enrolment: the first deferral. The Autumn Statement revealed more evidence that the government is counting the cost of tax relief on…
What is the Safest Way to Save for Retirement?
And the winner for retirement savings is… The Office for National Statistics (ONS) has been looking at attitudes to private…
The Chancellor has Announced the Date of the Autumn Statement
Autumn Statement to take place on 25 November In late July, the Chancellor announced that the results of the Spending…
Different inflation measures tell different stories
The latest inflation figures showed virtually zero inflation and nothing to worry about…or did they? The July Consumer Prices Index…
Next Year’s Dividend Tax Changes Come Into Sharper Focus
The Summer Budget announcement of a change to the rules on dividend taxation from next April caused many furrowed brows.…
Mortgage rate rises ahead?… Time to consider your options
Mortgage rates are just rising off all-time lows and Mark Carney, the Bank of England governor, is predicting that UK…
The trouble with averages in Personal Finance
Knowing what the average is may not be as helpful as you think. One of the facts which often appear…
Deposit protection to fall
The compensation for lost deposits is to be cut by £10,000. On the first Friday in July, a few days…
The £1,000,000 Inheritance Tax Exemption
The Chancellor, Mr Osborne, has made good his manifesto commitment to ease the burden of Inheritance Tax, but his approach…
Get Ready for the Second Budget of the Year
Last month’s unexpected election result has been followed by the more anticipated announcement of a second 2015 Budget. Quite what…
Tax Planning – 1 in 6 pays more than Basic Rate Tax
HMRC have updated their income tax payer data. HMRC regularly updates data on income tax payers and last month it…
Pensions – Automatic Enrolment is getting closer to home
The ‘Mary Poppins’ pension’ The roll out of automatic enrolment of employees into pensions schemes started back in October…
Deflation arrives
The official rate of inflation fell below zero in April: prices are now dropping year on year. The April reading…
A Budget is not a Finance Act
Not all the contents of the March Budget reached the statue book. Democratic scrutiny is not always what it seems.…
Pension tax: a post-election change – whoever wins
The lifetime allowance is to be cut again. The lifetime allowance (LTA) is a key component of the pension tax…
A new personal savings allowance will come into existence in April 2016
“Today I introduce a new Personal Savings Allowance that will take 95% of taxpayers out of savings tax altogether”. So…
Budget included improvements to the income tax picture
It almost goes without saying now that any Budget or Autumn Statement will include an announcement about an increase in…
0.5% base rates remain, effect on your savings?
Pembroke’s Analysis of Interest Rates and its effects on your savings and investments – March 2015 When base rate fell…
‘Freedom and choice in pensions’
On 21st July 2014, the Government published its response to the consultation on Freedom and choice in pensions. Pembroke Financial…
State pension deferral gets the reform treatment
The DWP has announced the new increase rate for deferring state pension for those reaching state pension age after 5…
UK Interest rates will rise – but the question is when?
Last month offered a number of conflicting answers: The Bank of England’s Quarterly Inflation Report This was generally seen as…
DWP warns 12m people still not saving enough for retirement
Just under 12m people in the UK are still not saving enough money to fund an adequate retirement income, according…
The Pensions flexibility revolution
The Budget hailed changes which are sure to affect your retirement planning. “Let me be clear. No one will have…
A new dawn for ISAs
Individual Savings Accounts (ISAs) enter a new phase from 1 July 2014. At present, ISA contributions for the 2014/15 tax…
19 March marks Budget Day
It is little more than three months since the Autumn Statement, but here we are in March with another Budget…
Smart Money
Our latest edition of our personal finance magazine is now available. Many investors will have had a roller-coaster ride recently.…
What’s in your pension?
When first meeting a client, we always ask them how much is in their pension(s)? What funds are they in?…
Still time for tax year end planning
Proper tax year end planning can still reduce your tax bill. Here are a few quick suggestions; Maximise your ISA…
Budget 2012
In case you missed it, here are George Osborne’s budget 2012 key points to summarise some of the key changes…
Lack of interest rates?
It’s three years since the Bank of England dropped interest rates to 0.5% and they show no signs of rising.…
SVR borrowers should remortgage
Halifax increasing their Standard Variable Rate to 3.99% yesterday. Now is the time to think about a remortgage, speak to us…
What does retirement mean nowadays?
More than ten percent of people who had planned retirement during 2012 are making alternative arrangements and putting off drawing…
IFAs are the most popular and trusted source of advice
IFAs are consumers’ most popular and trusted source of financial advice, according to research from the Financial Services Authority (FSA).…
Get your finances fit for 2012
With further tax increases likely on the horizon, there really is no time like the present to take a step…
Five important dates in 2012
Here are five important dates to put in your calendar this year. 31st January 2012 Self-assessment tax deadline Self-employed people…
Can you survive on £97.65 a week in retirement?
Great article on BBC website, reminding us how important pension contributions are. Do you want to be enduring or enjoying…
Many more people now surviving cancer
I am sure we all know someone who is currently, or has been in the past, affected by Cancer. Although…
New Year’s resolution….
You will have seen the recent furore over Public sector pensions and the proposed ‘reforms’. The reality is, that even…
Work, work, work…..
Work and pensions secretary Iain Duncan Smith has confirmed the state pension age will increase to 67 earlier than planned.…
2011, the year of the yo-yo
It is hard to believe how volatile the markets have been this year, and so far there seems no sign…
ISA Limit to increase to £11,280
High inflation means ISA limits will increase to £11,280 from next April, the Treasury has announced. The Office for National…
Junior ISA’s
Today sees the launch of the new Childrens Junior ISA’s. This enables parents, grandparents et al to help young savers…
A ‘real’ problem….
Although the latest Consumer Prices Index (C.P.I.) figure has fallen to 5%, what this means for you as a saver…