Your tax year end checklist - what do you need to do?

Posted by siteadmin on Tuesday 2nd of March 2021


 Your tax year end checklist – what do you need to do?

As we approach the end of the financial year on 05th April 2021, you may be thinking about what you need to do before the new financial year begins, and how you can ensure your business is in the best position possible.

For business owners, there’s lots to think about over the next couple of months and there’s a lot to be done. This may include updating payroll information, expenses or submitting your annual accounts.

With so much to think about and plan for, it may seem overwhelmi...

Lasting Power of Attorney - your questions answered

Posted by siteadmin on Thursday 4th of February 2021

LPA image.jpg

Registering your Lasting Power of Attorney (LPA) grants someone, or a small group of people, the ability to act on your behalf. This means they can make legal decisions in your best interest, if you become incapable of doing so yourself. This could include decisions regarding your finances, property or personal welfare and living situation.

Understanding your options isn’t always straightforward, so here are the answers to some questions you may have about LPAs.

1. Who can register an LPA?

Any adult who is mentally capable to make impor...

The four key benefits of diversifying your investments

Posted by siteadmin on Friday 8th of January 2021

Diversification in investments can allow you to spread financial risks. It involves investing in a variety of ways, for example, through pensions, property, stocks and shares or even infrastructure. Although diversification does not guarantee against monetary loss, it can be a valuable technique for reaching long-term financial goals.

So, what are the key benefits of investment diversity?

 1. Reaching financial goals

By investing in multiple sources, you can create a number of income streams. The accumulative amount released from these in...

A young person's guide to money - five tips for managing your money better

Posted by siteadmin on Wednesday 2nd of December 2020


dec20 blog pic 4.jpg 

For a young person, managing finances can often seem like a difficult task. However, modern technology has made managing your own money easier than ever.

Here’s our five top tips for helping young people to manage money better:  

1. Starting a part-time job

Having a job is an important part of learning how to manage finances. Part-time employment is common for young people, including college and university students, with 54.8% of 16-24 year olds being employed in 2019. Having a job provides young people with their own income and off...

Pensions - what are your options and what do you need to know?

Posted by siteadmin on Monday 2nd of November 2020


Planning for your retirement is an important part of securing your financial future. Pensions are a crucial part of that planning, as they can provide you with the income you need in your later life to cover your expenses and enable you to continue to do the things you love.

Planning carefully

It’s never too early to start thinking about and planning for your retirement. Once you have a plan in place, it’s essential to test it to ensure it’s the right plan for you and your needs.

You can use our pension shortfall calculator  to help yo...

Eight questions to ask yourself when it comes to financial planning

Posted by siteadmin on Thursday 1st of October 2020

Planning for your secure financial future can be complex and confusing. There’s so much to think about and focusing your mind on what’s most important to you can be difficult.

Everyone’s plan is different, and it should be tailored to your individual circumstances and financial goals.

Here are eight key questions you can ask yourself when planning for your financial future, to help you to focus your efforts and decision making towards what is right for you:

  1. What does your perfect financial future really look like? – or what don’t you wa...

Employee Benefits - could you be offering more?

Posted by siteadmin on Tuesday 1st of September 2020

Employee benefits refer to the extra incentives provided by employers, in addition to a worker’s standard salary or wage. They provide a great way of ensuring teams feel valued, and are designed to promote employee satisfaction and wellbeing.

Some benefits are legally required, but often, additional benefits are added to employer offerings.

Core, legally required, benefits include:

Additional employee benefits you could be offering

In addition to the legally required benefit...

Preparing for your financial future – including creating a savings plan, a long-term budget and long-term financial goals – can be challenging. Many believe it’s too early to think about pensions and retirement, and often may be too busy ‘living in the moment’ to consider or prepare for their financial future.

Living spontaneously and vicariously is a perfectly acceptable way to enjoy life; however, it’s important to spend a little bit of time preparing for the future at the same time. It may seem unnecessary or too early for some, but begi...

The financial implications of divorce

Posted by siteadmin on Tuesday 7th of July 2020

The financial implications of divorce

Divorce is emotionally-complex and often accompanied with difficult financial implications.

There is a lot to think about and your decisions can have a long-term impact on your financial future.

If you’re getting divorced, you need to see the real picture which can be tricky when you’re in such a highly-charged emotional situation.

The key to a ‘good divorce’ is usually to achieve a settlement that:

  • Makes clear financial sense
  • Has limited tax implications
  • Is in the best interests of both parties...

Three questions you need to ask yourself when it comes to life insurance

Posted by siteadmin on Wednesday 27th of May 2020

“Life insurance isn’t often top of the agenda for families when it comes to ensuring finances are in order, despite it being an incredibly important consideration to make. To ensure your family are provided for – should the worst happen – it’s vital to have the most suitable life insurance policy in place.”

Nicola Whateley, Director and Independent Financial Adviser at Whateley Wealth Management.


Life insurance refers to an insurance policy which ensures that, if the worst were to happen, a lump sum or schedule of regular payments will ...