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Craig Wilson's Articles

Wills and Estate Planning in the UK

Estate planning is a crucial process that ensures your assets are managed and distributed according to your wishes after you pass away. Central to this planning is the creation of a will, a legal document that speaks on your behalf when you're no longer able to.

Income Protection Insurance in the UK

Income protection insurance is a crucial component of protection planning, providing a safety net to maintain financial stability during challenging times. Incorporating an income protection plan into your broader financial planning strategy allows you to make informed decisions and safeguard your financial well-being.

The Importance of Life Insurance

The primary purpose of life insurance is to provide financial security to your loved ones in the event of your death. It ensures that they have the necessary funds to cover essential expenses, such as mortgage payments, children's education, and daily living costs.

ESG Investing - A Sustainable Approach to Financial Planning

In recent years, the investment landscape has seen a significant shift towards sustainability and ethical considerations. One of the most prominent trends in this regard is ESG investing. But what exactly is ESG investing, and how can it be integrated into your investment portfolio? 

Getting the Most Out of Your Annual Pension Allowance

In the UK, a pension allowance refers to the maximum amount of money you can contribute to your pension schemes each year while still receiving tax relief. This includes contributions to all types of pensions such as personal, workplace, and stakeholder pensions.

Building a Diversified Investment Portfolio

Portfolio diversification is an investment strategy that involves spreading investments across different asset classes, sectors, and geographic regions. The main goal is to reduce risk and enhance potential returns by ensuring that the performance of one investment does not heavily impact the overall portfolio.

Pension Consolidation and Retirement Planning

By consolidating pensions, individuals can streamline their retirement planning, making it easier to keep track of their investments. This process can potentially reduce management fees, improve investment performance, and provide a clearer picture of retirement readiness.

Benefits of Working with an Independent Financial Adviser

IFAs are financial professionals who offer personalised financial guidance tailored to your unique situation, free from the potential biases associated with advisers tied to specific financial institutions. IFAs are financial professionals who offer personalised financial guidance tailored to your unique situation, free from the potential biases associated with advisers tied to specific financial institutions.

Navigating Inheritance Tax for Married Couples: Strategies and Advice

Inheritance tax can be a significant concern for married couples looking to protect and pass on their assets to their loved ones. Understanding how to navigate the rules and exemptions specific to married couples is crucial in effective estate planning.

Portfolio Management and Market Volatility: Seeing Dips as Investment Opportunities

Market volatility often brings a sense of apprehension among investors, especially when it leads to significant dips in the market. However, for those with a long-term perspective, these moments can present unique investment opportunities.

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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.