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Key steps to maximise your allowances before the end of the tax year

The tax year will be coming to an end on 5th April. With that deadline in mind, we wanted to remind our clients of all the allowances available to you during the tax year. It’s important to make sure you’re maximising your allowance in all areas so that you mitigate the impact of tax. Listed below are a few allowances you should be considering: ISA Allowance With a cash ISA or a stocks and shares ISA (or a combination of the two), you can save…
8th January 2020

New year, new decade, new approach to your finances?

You may have already made some New Year’s resolutions regarding healthy eating and exercise but could your finances do with slimming down too? The start of a new year, not to mention a new decade, is a great time to review your financial situation, examine your budget in detail and make plans for the future. Take a look at the following financial resolutions you could adopt for 2020. Set goals If you haven’t already set any financial goals, now is the time to do so.
8th January 2020

4 savvy tips when Christmas shopping

Christmas seems to come round earlier and earlier each year. Retailers start tempting ‘early gifters’ as soon as the Back to School stock has disappeared. And competitive Christmas light displays begin appearing in some neighbourhoods from as early as November. While this may run the risk of detracting from the main event, some preparation is good. So we’ve drawn up a list of our four top tips to help reduce the financial stress of Christmas. Has your Christmas gift circle got too wide? Christmas is…
5th December 2019

How the gender gap even affects children’s pensions

We’re familiar with the gender gap in pensions for adults but there is evidence that this actually starts much earlier on. According to data from HMRC, parents and grandparents are more likely to save into a boy’s pension than a girl’s. A Freedom of Information request by Hargreaves Lansdown revealed that 13,000 girls aged 15 or under had money paid into a pension for them in 2016/17 compared with 20,000 boys. The disparity means the pension gap can actually start from birth onwards. This only…
5th December 2019

Back to 60 campaigners fight on

The campaigning group, Back to 60, has lost their fight at the High Court to seek redress for the inequality around the state pension age, which affects women who were born in the 1950s. The group was claiming that the increase in the state pension age was discriminatory and put women at a severe disadvantage compared with men. As women in that age bracket were only told of the change shortly before they reached their 60th birthday, there was little opportunity for them to make…
12th November 2019

The impact of climate change fears on ethical investing

As pressure mounts on governments and financial institutions to do more to combat climate change, the demand for ethical investment opportunities is on the rise. Triodos Bank’s annual impact investing survey has found that nearly half (45%) of investors say that they would be keen to move their money to an ethical fund as a result of news surrounding the environment. When asked, investors state that they would put an average of £3,744 into an impact investment fund, marking an increase of £1,000 when compared…
12th November 2019

The Help to Buy ISA deadline is looming

After 30th November 2019, potential first-time buyers will no longer be able to apply for a new Help to Buy ISA. Savers who already have an account will be able to keep saving into it until 30th November 2029, regardless of when the ISA was opened, but accounts will close to additional contributions after that date. What is the Help to Buy ISA?    The Help to Buy ISA was introduced to help first-time buyers over the age of 16. Individuals receive a bonus of 25%…
7th October 2019

Would more people actually like to retire a little later?

This may seem a surprising suggestion. Surely most people are eagerly looking forward to early retirement, not thinking about postponing it? More time to travel the world, spend on the golf course or help out with the grandchildren sounds an enticing prospect rather than more years at work. But times have changed significantly since the state old age pension was first introduced in 1909. In those days, it was paid to those aged 70 or more and people weren’t expected to live many years beyond…
7th October 2019

How to find the right investment for you

In the wake of the Woodford debacle, there’s a lot of buzz around investments and the rationale for choosing them. So we thought it would be useful to outline what you should be thinking about when it comes to choosing an investment to enable you to get the best outcomes for your money. Review your goals It sounds obvious, but taking the time to think about what you want from your investments is key to selecting the correct fund for you. Writing down your needs,…
6th September 2019

8 places to visit this Autumn in the UK

With autumn pushing the heat of summer south across the equator, it’s time to strap on your wellies and get ready to kick through piles of fiery leaves. So to celebrate the change of season, here’s our list of places you should visit to make the most of the stunning autumn colours. Isle of Lewis, Hebrides Autumn arrives early in the…
6th September 2019

What our customers say

I have been a client of the Financial Advice Company for over 5 years and in all of that time I have found the advisors and their administrative staff both courteous and helpful.

The choice of TFAC as my financial adviser… has been one of the best financial decisions I have ever made. Advice has been given… and proposals have been drawn up on optimum ways to proceed. This has always been followed up by clear and concise documentation.

I've been investing with the company for over 10 years and am very happy... The team is professional, friendly and takes time to ensure I understand the risks and benefits associated with the various offerings.

Ben is always extremely courteous and professional taking the time to listen to my changing financial needs. The advice he gives has always been reassuring and has helped me enable my financial plans with my needs always at the forefront. I would highly recommend Ben and his team to provide a true client centred and professional service.

Professional, personal and a friendly service… Prepared to listen and discuss my requirements in depth…. I can highly recommend all the team at The Financial Advice Company, for looking after my interests for my future and for my family’s future.

The tool used to demonstrate different financial scenarios is fabulous to help plan my future savings and more importantly my future spending!

We particularly value the future projections of our financial position. We consider that this helps to plan sensibly for the future particularly taking into account age and health prospects and provides reassurance as to a secure financial future.

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