Here we create videos on money, financial planning, and related topics, aiming to make financial advice accessible and easy to understand.
"Most financial advisers offer a complimentary first meeting, whether in person, over the phone, or online.
This gives you the opportunity to explore the potential benefits of professional guidance without any financial obligation, apart from your time. Even if you ultimately decide that formal advice isn’t needed, the experience can offer valuable insights, clarity, and peace of mind."
“In the UK, inflation is typically measured by the Consumer Price Index (CPI). The CPI tracks the price changes of a 'basket' of commonly bought items.
In the early 1990s, a Mars Bar would have set you back around 25p. Today, a Mars Bar will set you back around £1. That’s inflation for you.”
"Deflation refers to a general decrease in the prices of goods and services across an economy. At first glance, deflation might sound like a good thing. After all, cheaper prices mean your money stretches further, right?"
"In our view, assuming all factors are equal, independent advice typically leads to better outcomes. This is because an independent adviser has greater autonomy, allowing them to explore a wider range of products and solutions."
“The earlier you start investing, the better—and it’s thanks to the magic of compounding.
Compounding lets you earn returns on your investment, and then earn returns on those returns.”
"Some financial advisers may not charge an initial fee. If this happens, it is essential to understand how they are compensated. They might not charge upfront, but their ongoing fees could be higher than average."
“Surfing wipeouts and the stock market. They might seem worlds apart, but they actually have things in common.”
"Planning and preparation is key to financial success. Remember, planning doesn’t have to be overwhelming, and the rewards are well worth the effort."
It is important to be aware of the following risks:
This is for information purposes and does not constitute financial advice, which should be based on your individual circumstances.
The value of investments may go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator of future performance. An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA. The favourable tax treatment of ISAs may be subject to changes in legislation in the future. The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.
A pension is a long-term investment, the value is not guaranteed and the value of your investment and the income from it may go down as well as up. Any advice or considerations are personal to each individual’s circumstances. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. Levels and bases of, and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor. Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.
Please note that the Financial Conduct Authority (FCA) does not regulate cashflow planning and some aspects of Trust, Tax and Estate Planning.