Latest News

Dreaming of escaping a working life for retirement?

Getting your date right will help your plans stay on target Some people will have set their retirement date when they were in their 20s or 30s and a great deal will have changed since then, including their state pension age and perhaps their career plans. It may seem like a finger in the air guess when you’re younger, but the…

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Preparing for your upcoming retirement

Considering the practicalities of fulfilling your desired lifestyle If you are aiming to retire within the next five years, its time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans. You now have just 60 pay packets left until you retire. This is a time when you’ll need to obtain up-to-date pension forecasts…

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Do your numbers add up?

Tax-efficient ways to fund the next generation It’s natural we may want to give younger members of our family a financial start in life. Especially when we hear about some students graduating with eye-watering levels of debt. If you are able to help your children or grandchildren without risking running out of money yourself, it’s important that you do so effectively….

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Why do you want to invest?

Reaching specific life goals requires planning If you don’t know where you want to go, you’ll find it tricky getting there! Investment goals cover everything from the old adage of saving for a rainy day to planning for a comfortable retirement. Goal-based investing, which emphasises investing with the objective of reaching specific life goals – such as buying a house, saving…

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Retirement Matters

Freedoms to gain accessing your pension pot Changes to pension rules introduced in 2015 mean you’ve now greater access to your pension. It might seem like a far off prospect but knowing how you can access your pension pot can help you understand how best to build for the future you want. Under government rules you have a range of choices…

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Wealth Creation

Spreading risk by accessing different types of assets Investing for the long-term means persisting through market swings. History shows that when people invest and stay invested, they’re more likely to earn positive returns in the long run. When markets start to fluctuate, it may be tempting to make financial decisions in reaction to changes to your portfolio. Investing in a pooled…

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Inheritance Tax

No longer something that only affects the very wealthy 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. When someone dies Inheritance Tax a tax charged on their estate above a certain value. A persons estate is…

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Building a diverse portfolio

Time, patience and making informed decisions Making sense of today’s market headwinds and building a diverse portfolio should be key priorities for all investors. Whether you have a lump sum to invest or want to invest regularly each month, it’s important to know your money is working hard for you. Growing your wealth is not something that happens automatically. It takes…

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2019/20 tax year updates

The key changes you need to know You want to pay the minimum amount of tax legally possible. We want that for you, too. The 2019/20 tax year started on 6 April and in general taxpayers will have more money in their pocket after increases to allowances came into force, but there are a few losers, in particular those selling shares…

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The Reigate office is moving to Redhill

Please note that, as of 1st July, the Reigate office in Bell Street will now be moving to: 2nd Floor Raven House 29 Linkfield Lane Redhill RH1 1SS   Russell cordially invites you to drop by for a coffee or arrange a review meeting at your convenience! Call: 07824 810522

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