Large sums in cash? You’re losing money and you don’t even know it…

Expert financial planning — 19.04.2021

An all-too-common issue in the UK is our attachment to having cash in the bank. This is a problem that was exacerbated by the COVID pandemic as spending decreased and stock market volatility returned. In fact, household savings reached their highest level since formal records began in 1987. “That’s not a problem?!” I can hear you thinking…

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Financial planning… how to get started, a simple first step

Expert financial planning — 12.04.2021

The hardest part of financial planning is knowing how to get started! Luckily, to help overcome this financial mountain, you only need to focus on one golden first step...

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Compounding… the secret to making money

Expert financial planning — 06.04.2021

Compounding: “It’s the eighth wonder of the world: He who understands it earns it, and he who doesn’t pays it.” Albert Einstein knew that compound interest was the true secret to making money. I’m going to run through how you can earn it and then, hopefully, you will avoid paying it in debt. How does […]

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Your home is not an asset or an effective pension pot!

Expert financial planning — 30.03.2021

Your home may not be an asset. In fact, it could be your largest liability and it is, certainly, the least effective pension pot you could imagine. This may sound controversial but bear with me.   There’s a great book called ‘Rich dad, poor dad’ written by author and businessman Robert Kiyosaki, who has a […]

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Your end of tax year financial toolkit

Expert financial planning — 10.03.2021

What do you do when you don’t have all the appropriate tools in your toolkit? I bet you call in the professionals, as you may have burnt your fingers before trying to be the DIY hero. Well, when it comes to your financial toolkit, I’m here to help provide all the tools you may need.  That way, you can brag to your friends about your financial DIY skills and you don’t even need to let them know you’ve had some help along the way.

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5 money must dos before the 5th of April

Expert financial planning — 09.03.2021

Your 5 money must dos before the end of the tax year The end of the tax year is almost here, meaning there are plenty of things you could be doing to tighten up your tax efficiency. No need to panic! To make your life a little easier, I have created a list of ‘5 […]

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Carry forward- an industry secret to make up to £32,000

Expert financial planning — 02.03.2021

Have you been failing to maximise your pension contributions each year? Well, you could make up to £32,000 by using a little industry secret called carry forward! Before I explain how you can do this, it’s important to cover something known as the annual allowance: The annual allowance is the total amount you can put […]

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Save thousands using your CGT allowance

Expert financial planning — 23.02.2021

This tax year could be your last chance to save thousands, by making use of your capital gains tax (CGT) allowance. We all have an annual CGT allowance of £12,300, meaning a couple can make tax free gains of £24,600 between them, which is certainly not to be sniffed at...

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