Consumers who would never dream of cutting their own hair will happily ‘have a go’ at sorting their own finances, without expert financial advice. An ‘advice shy’ attitude can seriously damage your financial health, says a new study.
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Financial advice ‘less important than good hairdo’
Thursday, May 27th, 2010Financial planning advice – Regular Reviews could save you thousands
Wednesday, May 19th, 2010Investors can save thousands with regular financial planning advice and financial reviews. Fine-tune your financial planning with regular reviews of your mortgage deal, funds investments, and pension planning.
Principle First launches OnePlan™ and financial planning tools
Monday, May 17th, 2010
Principle First Chartered Financial Planners has today launched the OnePlan™ financial planning environment, featuring the OnePlan™ suite of financial planning tools. Our financial planning tools give you the calculations you need to plan your mortgage, insurances, even pension and retirement. The financial planning tools enable you to calculate how much your mortgage repayments on your chosen home would be, how much life insurance cover you need to replace your income and protect your family, or calculate how much you need to be saving today, to achieve a desired buying power and standard of living from your pension.
Inheritance Tax Planning – most UK adults have no Will
Thursday, April 29th, 2010Over half of adults in the UK are neglecting the need to make a will to ensure efficient inheritance tax planning, according to a new survey published this week by Barnardo’s. The children’s charity has also revealed that almost three-quarters (74%) of cohabiting couples also have no will in place.
Happy New Tax Year! The Tax Savings Checklist for 2010/11
Monday, April 12th, 2010The new tax year, which began on 6th April 2o1o, offers a golden opportunity for tax savings. Make use of your brand new tax allowances to fine-tune your financial planning, and minimise tax. With financial advice you can streamline your savings strategy by getting the best savings rate and fully utilising your ISA cash allowances. You can ensure you take advantage of your allowances for Capital Gains Tax, if you are selling an asset. You can plan to maximise tax reliefs from pensions contributions. You can gain 30% tax relief on investments in Venture Capital Trusts (VCTs). You can take the necessary steps to avoid 40% Inheritance Tax on wealth passing to your children and heirs. If you are an employer, you can plan for the upcoming government NEST scheme, which will require you to have, or set up, a pensions department that offers a pension to all employees.
What Financial Planning means.
Saturday, April 10th, 2010Managing Director of Principle First Gareth Flanagan talks about what financial planning really means and how important it is. “Financial Planning is the process of building a financial plan and evaluating it annually until you reach financial independence”.
Financial Advice needed as average debt hits £6,000
Friday, April 9th, 2010
UK consumers are in urgent need of financial advice, as new figures reveal that the average person is now struggling with debts of over £6,000.
Factor £194,000 per child into your financial planning – Zurich
Thursday, April 1st, 2010
For financial planning purposes, the cost of raising a child to 21 should be factored in as £194,000. Life insurance cover should be calculated accordingly, says Zurich Assurance.
Independent financial advice crucial to protecting your investments, says Which?
Thursday, April 1st, 2010Only 4 out of 37 bank and building society advisers gave good financial advice to undercover researchers, when discussing a lump sum investment, in an investigation carried out by Which? magazine.
Consumers continue to neglect financial planning
Monday, March 29th, 2010Over a third of UK workers are neglecting their financial planning, and the problem is most pronounced among lower earners, according to a new report by the Association of British Insurers (ABI). While 40% of people admit they have made no provision in their financial planning to cope with unexpected future eventualities, this figure rises to 46% among those earning less than £20,000 per year.
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