Financial Planning
Does your investment portfolio need a health check?
Once a financial plan has been put in place it’s tempting to believe the paperwork can be tucked away in a drawer and forgotten about, never to be looked at again. However, your plan needs to be reviewed on a regular basis to ensure you are on track to meet your objectives, and that the…
Read MoreISAs explained: limits for 2013/14
What is an ISA? ISA stands for Individual Savings Account. In an effort to get us all saving as much as possible the government gives tax advantages when saving into an ISA. There are limits set each year as to what amount you can save in an ISA and receive tax benefits. Ordinarily if you…
Read MoreWhat happens if you die without a will?
Research shows that over 28 million of the UK adult population (58%) are currently without a will[1] despite 92% of the population having a firm idea on who they would like their estate to pass to after they die. It is a common misconception that once you die your spouse will inherit everything or that…
Read MoreWill my state pension be enough?
Don’t think that if you don’t save for your retirement that the state will help in any significant way. Basic state pension at the time of writing is £5,587.40 pa which is a measly £466 per month. Anyone who thinks that’s enough for them to live the life style they need, well hat’s off to…
Read MorePensions: a 20% off sale!
There are some attractive tax advantages to be had from investing in a pension. Are you aware of the pension tax benefits? If you’re not aware, read on to see…. Let’s assume you want to invest £100 per month in your pension. If you’re a basic rate taxpayer paying tax at 20%, you actually pay in £80 per month…
Read MoreMastering your Mindset for Financial Success!
Wealth is a state of mind and you can experience it right now! Quite simply how you think creates the actions you take, which in turn shows up in the results that you get in your life. To be a financially successful woman you need to think and act like one now! This means going…
Read MoreToo young to start saving for retirement?
A bit like death and taxes, one thing we can all be certain of is that we will get older. When you’re young retirement seems so far off that it’s not high enough on your priorities to want to do anything about it. Yes you know you need to get round to saving at some…
Read MoreHelp, finance is like a foreign language to me!
I frequently hear women tell me that they struggle with maths and don’t understand finance. If I had £1 for every woman who said to me “I don’t do maths”, I’d be a millionaire. I exaggerate of course I wouldn’t be a millionaire, because I don’t know a million women! But I would have received…
Read MoreWhy a husband should pass all his assets to his wife!
To be strictly correct the proper headline for this article should be: “Why the higher tax paying spouse should pass their assets to the lower paying or non earning spouse”. But I love starting off with something controversial. Why put a sensible headline when you can create havoc with a bit of controversy! Women get…
Read MoreDo women need different financial advice to men?
If you have a browse round my website you’ll see that I’m a female IFA specialising in independent financial advice to women. This naturally raises the question “Do women need different advice to men?” The answer of course is “No”. Financial advice is financial advice regardless of whether you are male or female. But what…
Read More