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.
An emergency fund offers liquidity when it’s needed most—without penalty, without panic. It provides room to breathe when life tightens, keeping the rest of your financial strategy intact.
Popular tags: Financial planning, emergency fund, calculating emergency fund, emergency savings, building an emergency fund, recommended emergency fund
With inflation still elevated and interest rates yet to settle into a predictable pattern, the question is no longer whether these forces will impact your investments—but how well your portfolio is positioned to respond.
Popular tags: Financial planning, portfolio management, investments and savings, inflation and investments, portfolio manager, management of investment
The true benefit of working with an IFA goes beyond just selecting the right financial products. They take a full and comprehensive approach to financial planning, helping to structure, manage, and grow your wealth in a way that aligns with your goals.
Popular tags: Independent financial adviser, independent financial advice, financial planning, estate planning, retirement planning, inheritance tax planning, wealth management, investments and savings, protection planning, portfolio management
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.
Popular tags: Wealth management, wealth managers, independent financial advisers, financial planning, portfolio management, portfolio managers
Incorporating UFPLS into a retirement planning strategy can be beneficial for those who value control and tax efficiency. By managing withdrawals carefully, retirees can maximise the tax-free allowances available to them, ensuring a flexible income stream that aligns with both their financial and lifestyle goals.
Popular tags: Retirement planning, retirement planning in the UK, wealth management, financial advisers, independent financial advisers UK, financial planning, financial planners, uncrystallised funds pension lump sum, ufpls
National Insurance contributions (NICs) are payments made by employees, employers, and the self-employed to fund the UK’s social security and welfare systems. These contributions help finance the state pension, certain unemployment benefits, and other entitlements, ensuring that individuals have a baseline of financial security.
Popular tags: National insurance contributions, national insurance rates, ni contributions, national insurance contribution for self employed, rate of ni contributions, retirement planning, pension planning, financial planning, independent financial advisers
The accumulation and decumulation phases serve distinct purposes in your financial life. While accumulation is about maximising your savings, decumulation is about managing those savings to last through your retirement, balancing immediate needs with long-term financial security.
Popular tags: Pension accumulation, pension decumulation, can I withdraw my pension, when can I draw from my pension, pensions uk, pensions in the uk, retirement planning, pension planning, uncrystallised funds, pension lump sum, annuity purchase, pension drawdown, pension commencement lump sum, ufpls, pcls, financial planning, pension adviser, independent financial adviser
Early investments provide a significant head start, leveraging the power of compound interest over the years. This financial support can cover future educational expenses, help them buy their first home, or establish a solid foundation for their own financial independence.
Popular tags: Junior isa, financial planning, junior isa account, what is a general investment account, self-invested personal pension, financial planning in the uk, bare trusts, discretionary trusts, independent financial adviser, general investment accounts, lifetime isas
Inheritance Tax (IHT) is a significant consideration for anyone involved in estate planning in the United Kingdom. Efficiently managing or mitigating the impact of IHT is crucial for ensuring that a greater portion of your estate can be passed on to your heirs. This blog explores various strategies designed to preserve wealth by reducing IHT liabilities.
Popular tags: inheritance tax in the UK, inheritance tax, iht, estate planning, inheritance tax planning, understanding inheritance tax, nil rate band, iht thresholds, iht allowances, residence nil rate band, transferrable nil rate band, nrb, rnrb, iht planning, business property relief, bpr, financial planning, lifetime gifting, setting up trusts, estate planning and trusts, discretionary trusts, interest in possession trusts, apr, trust planning, inheritance tax planning advice, iht exemptions, independent financial advisers
Inheritance Tax (IHT) in the UK can significantly impact the way estates are passed on to beneficiaries. This tax is levied on the estate of someone who has died, including all their property, money, and possessions. Strategic planning using IHT-friendly investments can play a crucial role in minimising these liabilities.
Popular tags: enterprise investment scheme, eis tax relief, tax efficient investment, tax-efficient investing, iht, bpr, eis, inheritance tax, iht tax, reducing inheritance tax, iht exemptions, alternative investment market, aim shares, estate plan, financial planning, inheritance tax in the uk, iht threshold, inheritance tax threshold in uk, hmrc, business property relief for iht, business relief from inheritance tax, eis inheritance tax relief, eis iht, eis iht relief, eis and iht, inheritance tax planning, trusts inheritance, inheri
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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.