3 hidden ways that Covid could damage your financial security

The Covid crash has threatened the prosperity of millions across the country. While government support measures have gone some way to mitigate its effects, there has been an unseen level of redundancies and a recession of historical proportions. However, some of the financial consequences will be slightly more insidious as…

Make your lockdown saving habits last a lifetime

While the economic consequences of lockdown saw many households struggle, others have been able to save far more than usual. Data suggests that UK households could have been saving an average of around £171 per week during lockdown, with pubs, restaurants and high street shops closed. Country wide, savers have…

What’s your money personality?

We all have a different relationship with money. Recognising your money personality can help you better understand yours. While no member of each group has precisely the same attitude towards their finances, researchers have identified four common attitudes towards money: Money Worship, Money Avoidance, Money Vigilance and Money Status. Psychologists…

What is the value of advice?

You’re not going to be surprised that, as advisers, our firm belief is that an advised client will get a better financial outcome than a non-advised client. How to prove, though, that we’re not just biased? What is the actual value of that advice? How can it be quantified? Most…

Why even high-flying professionals need a financial planner

You may find it surprising to learn that even successful tax, legal, accounting and other professionals use financial planners. Surely, they know it all already, don’t they? Don’t they just follow their own advice? Let’s look at why professional advisers sometimes find it helpful to sit on the opposite side…

The importance of tail-end events when investing

At the start of the year, none of us would have foreseen where we are today. Who would have predicted that a bat jumping onto a pangolin and onto a human in China would have wrought such devastation across the globe? It just goes to show that nothing can be…

Financial planning in uncertain times

Whilst government support is helping many businesses and individuals through the Covid-19 pandemic, not everyone has been so fortunate. Indeed, many people have taken pay cuts or lost their jobs in the wake of the virus. To help you during this challenging time, we are delighted to provide two financial…

The link between human behaviour and investing

Financial planning… Isn’t that based on cold, hard facts and scientific reasoning? Surely emotions and feelings don’t have much to do with investing? I think they do. And here’s why. A little thing called human behaviour gets involved, you see. Only it’s not so little. Human beings are highly complex…

4 financial planning tips for 30 and 40 something year-olds

After age 30 it’s likely that financial planning will increase in importance and become a far more serious matter. It’s worth thinking about how things have changed over the past few generations; more and more individuals are going to universities, people are having children later, are buying property (and by…
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