We are pleased to present below all posts tagged with 'Financial planning'. If you still can't find what you are looking for, try using the search box.
For those investing in the UK, it’s not unusual to feel a pressure to act quickly. Whether prompted by media hype, a friend’s tip, or fear of missing out, many individuals jump into investing without the clarity, structure, or planning needed to protect their capital.
Popular tags: investing for beginners UK, investing in the UK, wealth management, portfolio management, financial advisers UK, independent financial advisers, individual savings account, general investment account, investment bond, retirement planning, estate planning, financial planning, portfolio management
Unlike ISAs or pensions, investment bonds are not commonly discussed at dinner tables or cited in mainstream financial coverage. But for many investors, they offer a tax-deferral mechanism that, when paired with careful planning, can significantly shape long-term outcomes.
Popular tags: Investment bonds, how do investment bonds work in the uk, what is the 5% rule for investment bonds, are investment bonds tax free in the uk, can you withdraw from and investment bond, are investment bonds tax free in the uk, financial planning, independent financial adivisers, inheritance tax planning
ISAs are for rainy-day funds or cautious savers. But they’re also one of the most flexible and tax-efficient vehicles available in the UK, capable of supporting everything from first-home ownership to long-term investment growth and retirement planning. And because the allowance resets every April, how you use it — or fail to — can have a cumulative impact on your financial outcomes for years to come.
Popular tags: ISA allowances, types of ISAs, financial planning, wealth management, independent financial advice, lifetime ISAs, independent financial advisers, tax free savings
A mortgage is often framed as a means to an end: the house. But in financial planning terms, it’s a multi-decade liability that must be balanced against income volatility, lifestyle needs, and broader investment goals. How you structure that debt — the repayment terms, rate type, loan size, and timing — can either support or strain your wider financial health.
Popular tags: Wealth management, financial planning, financial advisers UK, independent financial advisers, retirement planning, estate planning, mortgage, mortgages, ISAs, lifetime ISAs
A buy-to-let mortgage is a loan used to purchase residential property with the intention of renting it out. Unlike residential mortgages, which are based on the borrower’s income and intended use of the property as a primary residence, buy-to-let lending is primarily assessed on the property’s ability to generate sufficient rental income.
Popular tags: Buy to let mortgages, buy-to-let mortgages, types of buy to let mortgages, buy-to-let investments, fixed rate mortgages, variable rate mortgages, tracker mortgages, investments and savings, financial planning, independent financial advisers, wealth management
Unlike residential lending, commercial mortgage agreements are less regulated, more bespoke, and often subject to tighter scrutiny from lenders. Terms are negotiated case by case, and pricing is influenced by a wider range of variables — from property type and tenancy status to the financial strength of the borrower’s business.
Popular tags: Commercial mortgages, commercial property mortgage, commercial property mortgage loan, loan to value ratio, commercial mortgage interest rates, commercial investment mortgages, financial planning, investments and savings
A few percentage points either way can translate into tens of thousands of pounds over the life of a loan. But choosing between a fixed rate mortgage and a variable rate mortgage isn’t simply about chasing the lowest deal — it’s about aligning your financial commitments with the level of risk you’re willing to carry.
Popular tags: Fixed rate mortgage, variable rate mortgage, financial planning, mortgage advice, mortgage interest rates, mortgage interest rates uk
At its core, portfolio diversification is the practice of spreading investments across different assets, sectors, and regions to reduce risk. The idea is straightforward: no single investment should have the power to make or break your portfolio.
Popular tags: Portfolio diversification, investment portfolio diversification, diversified investment portfolio, portfolio management, investments and savings, financial planning, independent financial advisers
It’s not about whether financial advice is worth paying for. In most cases, it absolutely is. But in the UK, too many clients are paying ongoing fees that are entirely disconnected from the value they’re receiving.
Popular tags: Financial planning, retirement planning, investments and savings, independent financial adviser, independent financial adviser costs, independent financial advice
Whether it’s environmental sustainability, social justice, or corporate governance, modern investors are increasingly asking: What kind of world is my portfolio building? The answer lies in how your capital is deployed—and whether the businesses you invest in align with the standards you live by.
Popular tags: ESG investing, environmental social and governance investing, sustainable investing, socially responsible investing funds, sustainable investing, socially responsible investing, investments and savings, financial planning
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Note: This page is for information purposes only and should not be considered as financial advice. Always consult an Independent Financial Adviser for personalised financial advice tailored to your individual circumstances.