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.
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
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
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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.