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How does a financial adviser help?

You listen to the radio and hear one thing, then open a newspaper and read the opposite. You go on social media and hear all manner of contradictory views and opinions. You chat with friends in the pub who’ve got as many different pieces of advice as there are types of beer or artisan gins...

Why do I need mortgage life insurance?

What is mortgage life insurance? For homeowners, a mortgage is almost certainly the biggest financial commitment you will ever make and the biggest financial asset you will ever have. If you have a repayment mortgage, getting mortgage life insurance can protect your family if you die before the term is up. It pays out a...

Easier ways to buy a home

Clearly, if it was as simple as swapping rental payments for mortgage repayments, a lot more people would own their own homes. There are two main obstacles that prevent renters from making this switch. The first is the difficulty of raising a large enough deposit. The majority of mortgages require at least a 20 per...

What is the tapered annual allowance and how could it affect you?

One of the key advantages of saving for your retirement through a pension scheme is the tax relief you receive on the money you contribute, usually available at your usual rate of tax. The ‘Annual Allowance’ limits the amount of contributions both you and your employer can make to your pension in a year which...

What is pound cost averaging?

If you’re unclear on what the term ‘pound cost averaging’ means, the simplicity of what it describes is perhaps best demonstrated through an example. Abbie is an investor who has already decided where she wants to make a long-term investment. She also earns money through her job and invests more each month. Abbie therefore has...

The financial advantages of saying ‘I do’

A marriage or civil partnership can be a beautiful union of minds and hearts, but there’s no reason why it should end there. There can also be financial benefits to being with your partner, and one of these is the Marriage Allowance. In the 2018-19 tax year, the Marriage Allowance lets you transfer up to...

How to make the most of your retirement

Steps you could take to increase your eventual income Even if retirement isn’t far away, there are steps you could take to increase your eventual retirement income. This applies both to your state pension entitlement as well as to any personal or workplace pension pots. We’ve provided some areas to consider that you may wish...

How the new tax year could affect your finances

This brilliant guide by Scottish Widows provides a quick summary of the changes for the new tax year commencing April 2018, and how they could affect you. Information is based on our current understanding of taxation legislation and regulations. any levels and bases of, and reliefs from, taxation are subject to change. The value of...

Newly married? Here are 7 financial to-dos to add to your list.

Aegon’s top financial tips to make a happily married life. Contact us today and take the right steps together to ensure your finances are healthy and in order. Source: https://www.aegonlife.com/insurance-investment-knowledge/newly-married-7-financial-dos-add-list

How to approach student loans with your kids

University is always going to be at least partially a financial decision both for prospective students and their parents, or whoever they rely on financially. Calculating the rising total bill for tuition fees and cost of living for a degree course can make university seem like an impossibility for some. But it’s essential that all...