A mortgage broker acts as an intermediary between borrowers and lenders, helping individuals secure a mortgage that aligns with their financial circumstances. Unlike banks or direct lenders that offer only their own mortgage products, brokers provide access to a wider range of options.
Life insurance offers peace of mind by guaranteeing that your loved ones are financially protected in the event of your death. In the UK, life insurance is not just about covering immediate expenses like funeral costs—it can also provide financial stability for your family’s future.
Inheritance tax is a tax levied on the estate of a person who has passed away. It applies to the total value of their assets, including property, savings, investments, and personal belongings. The standard rate of inheritance tax is 40%, and it is applied to the portion of the estate that exceeds the inheritance tax threshold.
Managing money effectively is about more than just numbers; it’s deeply tied to the way we think, feel, and behave. Financial decisions are rarely made in isolation from our emotions, beliefs, or biases, yet many people overlook these factors when planning their financial futures.
By offering access to a wide range of lenders and tailoring solutions to each borrower’s unique needs, mortgage brokers simplify refinancing and ensure it aligns with broader financial goals.
Portfolio management bridges the gap between the technical side of investing and the personal aspirations that drive financial planning. It combines the insights of professional portfolio managers with the guidance of independent financial advisers, ensuring that every strategy is tailored to the investor’s needs.
Active funds are designed to outperform the market by using the expertise of professional managers who select securities based on in-depth research. In contrast, passive funds aim to replicate the performance of a specific index, providing consistent returns with lower costs.
Market volatility can feel unsettling, even for experienced investors. Sudden price swings, triggered by economic events or market sentiment, often lead to uncertainty and hesitation. However, what many fail to see is that volatility also creates opportunities for growth.
For married couples, the rules surrounding inheritance tax in the UK include several allowances and exemptions that can make a significant difference. However, to fully benefit from these provisions, careful planning and attention to detail are essential.
Setting up a pension after a pension sharing order is not just about moving money; it’s an opportunity to reassess your long-term goals, align your investments, and establish a secure foundation for the future. Taking swift, informed action not only safeguards your financial independence but also sets the stage for effective retirement 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.