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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

6 UK dining experiences to feed your intrigue

Food is one of the greatest and most diverse pleasures that life has to offer – it can be simple, complex or anything in between. But a dining experience is another thing entirely. And there’s a whole range of different dining experiences available across the UK. Dine on the water  If the gentle lap of waves against the sides of a boat fits into your idyllic dining experience, you’re in luck. All over the country there are companies that offer river cruises where you can…
20th August 2019

How to stay safe online

As we venture further into this new digital age, the security of your personal data grows more and more important. That’s why, for this article, we’ve decided to delve into the world of online security. Below you’ll find a series of strategies that we recommend you employ to protect your presence online… Keep software up to date Make sure to keep installing software updates for your devices and programs. You can turn on automatic updates for many devices and applications for those of you with…
20th August 2019

3 tips to avoiding inheritance tax

Benjamin Franklin famously said, ‘In this world nothing can be said to be certain except death and taxes’. And if your estate is valued at over £325,000, everything above this figure will be taxed at 40% when you die. Even in death there’s no relief from taxes! However, there are certain steps you can take to mitigate the amount of tax you pay. By taking these measures, you can start to plan your estate to stop the taxman getting his hands on your assets before…
8th July 2019

What is the open banking revolution?

Over a year and a half ago, a digital revolution introduced a new way for people to handle their money: open banking. All of a sudden at the touch of a button, you could compare household bills, control direct debts and track payments across each of your bank accounts. Consumers can now provide their consent to allow for financial transaction data to be accessed without requiring them to give their personal login credentials to a third party. The government backed the new development with the…
8th July 2019

Financial Wellbeing

How is your financial wellbeing? Increasingly, people are talking about financial wellbeing. But what does it actually mean? Financial wellbeing is about having a sense of confidence and security around money. It’s about having enough money to meet everyday needs and being in control of your finances; having the financial freedom to make choices that enable you to enjoy life. The rise in financial wellbeing as a concept is arguably related to the increasing trend of mental health problems in the UK. A study [1]…
13th June 2019

What does it take to retire early?

The idea of retiring in your 50s or even your 40s sounds like a pipe-dream to most, what with the increased cost of living, inflation and other economic factors slowly eating away at your predicted earnings. This hasn’t stopped the rise of the FIRE (Financial Independence Retire Early) movement, though, a new method of frugal living that aims for early retirement, escaping long working lives and living off the stock market or other supplementary income for good. One of the most infamous experiments carried out…
13th June 2019

What our customers say

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 would like to express my appreciation of the excellent information as well as the time investment you have provided which have helped me to make informed decisions... Your advice and willingness as well as your patience have enabled me to fully understand the choices I can make.

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.

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.

I am very happy to endorse the company as they have not only given me very sound advice, helped to save me money but also helped me to grow my investments.

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.

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