Financial worries don’t just affect our waking hours Financial fears are creeping into sleeping hours, as new research shows money worries are a top cause of nightmares[1]. Our dreams are how we naturally make sense of all the information and experiences that we unconsciously absorb every day. They are not just some random occurrence but actually a deliberate process, enabling us…

Impact investing without sacrificing returns or profits For those looking to make the world a better place, but not wanting to sacrifice returns or profits, impact investing aims to support a positive social or environmental impact as well as looking to achieve compelling financial returns at the heart of sustainable investing. The term ‘impact investing’ was first coined in 2007, although…

Taking the steps now to prepare yourself for retirement With increasing numbers of people working past traditional retirement ages[1], stopping work can seem a long way off, especially for younger people. But it’s the dream of an early retirement that keeps many people going through the daily work grind. Fantasies of a round-the-world cruise, sundowners on a seaside terrace or writing…

Key aspects that influence retirement decisions Whatever you want to do when you retire, the better prepared you are, the more rewarding it will be. It’s important to assess the key aspects that will influence your retirement, as the decisions you make can have a real impact on your savings. There are some important considerations to think about. Timing Drawing savings too…

Families left in a precarious situation if the unforeseen were to happen We all intend that our plans will come good. But making sure that you and your family can cope if you fall ill or die prematurely is something we can too easily put to one side. In particular, a recent study identified that financial protection is something that millions…

Last week we held a  Macmillan Coffee Morning at our main Hadleigh office with around 40 people attending, both clients and friends.  Some lovely cakes were made and tasted divine.  The cake competition was judged by Georgia Hall and the winning cake was a Coffee and Walnut, baked by a friend of Grace Carpenter who won the day. We  are proud…

Pension savers risk a significant tax bill For most people over the age of 55, it is now possible to cash in or unlock all of your pension. How you take these benefits will depend on the type of scheme you have and how you want to take benefits. But concerns have been raised that some savers may risk running out…

Make your vision a reality Exactly how much you’ll need for a comfortable retirement will depend largely on your cost of living and lifestyle choices. For many people, retirement is about sun-soaked holidays, leisurely rounds of golf and that boat they’ve always coveted. But retirement is not what it used to be, with more of us working longer to build up…

Workers extend their careers for a multitude of reasons When do you plan to retire? Saving for your retirement is a lifelong undertaking – and if you want to enjoy a comfortable retirement, you can’t start planning soon enough. The more you contribute to a pension now, the better chance you’ll have of that money growing and funding your retirement in…

Long-term saving could yield a £1m retirement pot for some millennials The millennial generation don’t just spend their hard earned savings on smashed avocado and flat whites, but they do have a different attitude to money than older generations. In fact, some young people today or in future generations could accumulate a pension pot as high as £1 million[1] when they come…