September 2020

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Welcome to our July/August edition of Smart Money, the financial solutions magazine. This month we explore different types of investment and the factors to consider when choosing which one is best suited to you.

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With inflation in the UK at a 40-year high and interest rates rising to compensate, it can be difficult to know the best course of action to protect your personal finances. However, by underpinning your decisions with effective financial planning, you can safely navigate the turbulent economic environment.

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An estimated £5.5 trillion of wealth will be passed onto younger generations over the next thirty years. If you want to ensure your money goes to the right people at the right time, intergenerational planning is essential.

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Welcome to our May/June edition of Smart Money, the financial solutions magazine. This month we explore the many factors that can influence when someone decides to retire and how many are choosing to retire early. 

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When people begin to think about accessing their pension, taking tax-free cash is often part of the plan. But have you considered how it actually works, and how it can affect your future income?

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As the costs of significant life milestones such as higher education, weddings and getting on the property ladder continue to rise, the earlier you can start investing for your children, the better. Whether you are looking to help your family now or in the future, there are lots of tax-efficient options to consider.

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Welcome to our latest Smart Money issue. Inside this issue, we explore how 'time is money', especially with higher inflation persisting throughout 2022, and why now is the time to make sure you protect your wealth.

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Inflation - a rise in prices for goods and services - has a significant impact on people’s spending power. As prices rise, and income levels stay the same, people are likely to see their spending power reduce in real terms.

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Whilst it may be an area that we are regularly inclined to put on the backburner, reviewing your finances on a regular basis is key. As well as the expected financial benefits, a holistic approach to financial planning can bring about significant benefits to your mental health.

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Welcome to our latest Smart Money issue. Inside, we look at New Year’s tax saving resolutions to make sure you are fully utilising your relevant tax planning opportunities. With the tax year end on the horizon, now is the opportunity to take advantage of any remaining reliefs, allowances and exemptions.

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Recent research conducted by HSBC’s insurance business has found that there is a close link between good mental health and financial advice.

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Since joining Smith Cooper Independent Financial Solutions (SCIFS) almost four years ago, Chris Soborowski has made quite a splash, quickly becoming an indispensable cornerstone of the team – which is part of why the company has recently announced his promotion to SCIFS’ Operations Director.

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Funds are collective investments, where your money is pooled together alongside that of other investors and spread across a wide range of underlying investments such as shares, bonds, property, or commodities.

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Welcome to our latest Smart Money issue. Inside, ‘How can I protect my money from inflation?’ is a question that many people may be asking themselves right now. In the current economic climate, rising inflation is becoming a concern for people with savings and investments.

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A stocks and shares ISA is a type of investment account, as opposed to a traditional savings account, that can be an efficient way of helping your money grow over the long term. Whilst a savings account provides risk-free returns, a stocks and shares ISA involves investing in the stock market, which could enable you to garner significant gains from your investment if you plan to invest for the long term.

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ESG: Environmental, Social, and Governance factors are a set of measures that guide investors in assessing a business’s overall quality of management and long-term sustainability.

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Welcome to our latest edition. Inside, we look at how having a financial plan in place early on can make it easier to manage your money further down the line. It’s never too early to make a financial plan.

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Financial planning is a professional service intended to help individuals organise their finances. It provides a comprehensive overview of your current financial, goals and strategies, and ensures an individual’s financial needs, values and personal goals are aligned.

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Over the past ten years, investment choices have become increasingly complex for those approaching, or already enjoying retirement. For one, the UK pension market has changed significantly in this time, with the introductions of pension freedoms and auto-enrolment, meaning there is more scope to personalise pension plans.

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Intergenerational wealth management is a way for families to use their collective wealth to support one another during their lifetimes and has become an increasingly important driver in financial planning in recent years, fuelled largely by social change.

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Pension boost

July 2021

Inside this issue, the unique combination of tax breaks and flexible access available to pensions makes them a compelling choice when saving for retirement. 

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The pandemic stimulated a shift in financial priorities for many, and with that came the emergence of a new generation of financial planners, with more Millennials and Generation Z (Gen Zs) seeking financial advice than ever before.

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COVID-19 has prompted a multi-generational reassessment of financial priorities, with over-50’s in particular looking to manage their pension pots more intensively in order to better map out their retirement goals.

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IFA and member of the Smith Cooper group, Smith Cooper Independent Financial Solutions (SCIFS) has further strengthened its team, by welcoming graduates Aman Matharu and George Brandist to the firm as Financial Planning Analysts.

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As we enter another new phase in the coronavirus (COVID-19) pandemic, each UK nation has set out a roadmap out of lockdown, a positive sign that we can hopefully start to get back on track both financially and emotionally.

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We are delighted to share that we have further enhanced our team of specialist financial advisors, welcoming Chartered Financial planner Mufaddal Travadi to our firm.

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Welcome to our latest edition. At the time of publishing, Chancellor of the Exchequer Rishi Sunak had not delivered his Budget 2021 speech. We'll look at key announcements and how these could affect your personal, family and business finances in the next edition.

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Welcome to our first edition for 2021. In a year of renewal, hopefully we’ll see a world that is steadily returning to normal, while also rapidly accelerating into a transformed future.

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Take it to the Max

September 2020

Welcome to our latest issue. As the world continues to work out how to live with the coronovirus (COVID-19) pandemic, may will agree that the new normal needs new thinking.

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Welcome to our latest issue. A return to how life was at the start of 2020 is some way off. Even now that lockdown restrictions are starting to be eased, coronavirus (COVID-19) will continue to affect our lives in many ways.

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During this difficult time, we hope you’re staying safe. The ongoing news of the impact of the coronavirus pandemic and how it is affecting everyone is a huge concern for us all. Understandably, people are worried about the general economic outlook and their own personal finances.

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Alfreton Park Community Special School supports pupils from the ages of 2 to 19 who have a range of learning difficulties from severe to profound. Funded entirely by local authorities, the school has now been given the green light to proceed with plans for a brand-new school – one which is fit for purpose and puts the needs of their students at the very heart of its design.

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Welcome to out latest addition. Some of the questions we get asked are "Will I be able to retire when I want to?" & "Will I run out of money?" It has been well documented that many Brotons are not saving enough money for their retirement; in this issue we will look at what you need to consider when saving for retirement.

 

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Welcome to our first edition for 2020. Inside this issue, we feature articles covering a number of different topics to help you successfully grow and protect your wealth.

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Welcome to our latest edition. Inside this issue, we look a a number of the topical finacial planning stories making the news agenda.

 

 

 

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Welcome to our latest issue. At the time of writing, the UK Government said it is 'ready and willing' to do a deal to leave the EU if new terms are negotiated with Brussels. But the new Prime Minister, Boris Johnson, has vowed the UK will leave the EU 'come what may' by 31st October - the date the UK must depart if no deal hasd been reached.

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Volatility fluctuates based on where we are in the economic cycle, but it is a normal feature of markets that investors should expect. From the unfathomable Brexit playbook and the continued prominence of populist ideology, to unconventional US foreign policy and the retirement of Draghi, the highly respected European Central Bank president, uncertainty prevails. On page 6, we consider why it is essential not to panic and to keep a perspective when markets are turbulent.

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Inheritance Tax is no longer something that only affects the very wealthy, but the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face. You worked hard to earn your wealth, so let us work hard preserving it. On page 06, we look at how you can help your family maintain its financial strength from one generation to the next.

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Welcome to our latest issue. Robert Kiyosaki, the American businessman and author of the best-selling book Rich Dad, Poor Dad, once remarked, ‘Making money is common sense. It’s not rocket science. But unfortunately, when it comes to money, common sense is uncommon.’ As we continue into 2019 with the uncertainties surrounding Brexit, we look to de-mystify the ever-changing landscape of the financial world.

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The start of 2019 is the optium when you may be thinking about resolutions and plans for the year ahead.

As you thnk about 2019 and your goals for the coming year, we'll help to start you off on the right financial footing. It is a good time to start planning your tax affairs before the end of the tax year on 5th April 2019.

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