Richard Martin-Redman 
A financial plan is made up of many working parts which should all fit together seamlessly. When most people think of financial planning, they might think about investments or pensions. But these are simply the tools we use to work towards your goals rather than the end result. A good financial plan combines risk management, …
The years when you are raising a family can be the most pressured from a financial perspective. You may still be paying off debt or trying to get on the property ladder, while simultaneously doing everything you can to build a career and give your children the best start in life. You may also have …
Risk means different things to different people. To some, it means opportunity and excitement. To others, it means danger and is best avoided. In investment terms, risk is a spectrum. Most people recognise that at least some risk needs to be taken to achieve investment growth. But there are different kinds of risk. A share …
Investing has never been easier, even for beginners. We have detailed information and analysis accessible at the touch of a button. Investment platforms are widely available and provide access to funds and shares across every asset class, world region, and business sector. But all this choice can make investing seem impossibly complicated. We all know …
We all know that we should be planning for retirement. The State Pension is a useful starting point, but would fall short of providing a comfortable retirement for most people. Workplace pensions can partially bridge this gap. These require a minimum level of contribution from both the employee and the employer. But over the course …
Financial planning can be complex, and the best solution for one person often doesn’t work as well for someone else. It’s easy to become focused on investment returns, when really, this forms only part of the picture. The first step is to decide what you would like to achieve. Once you have clear goals in …
Attracting talented employees in today’s market can be challenging. Skills are in high demand, so it’s important to ensure that your team members feel valued, and appreciate that you have their back if something goes wrong. Arranging protection for your employees can offer peace of mind, and could cost less than you think. The main …
If you read the financial press, you will see a lot of speculation about what you can, or should, invest in. Social media is no different, with stock tips and investment forums building up a significant online following. But focusing on individual companies and microtrends can lead to missing the bigger picture. A single stock …
Pensions have changed over the years and in the current market, the options can be overwhelming. You may have multiple pensions from previous employers, or perhaps you are looking to start a pension for the first time. In this guide, we look at the different types of pension and how they work. Money Purchase Pensions …
Both pensions and ISAs are extremely tax-efficient investments. Traditionally, pensions are the default option when saving for retirement. But just as retirement has evolved to encompass flexible working and winding down gradually, the options for funding your desired lifestyle have widened. So if you are thinking about investing for your retirement, would a pension or …
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