As the festive season approaches, we’d like to take this opportunity to thank you for your continued trust and support throughout the year. Christmas is a time for celebration, reflection, and looking ahead to new possibilities. While you enjoy the festivities, it’s also the perfect time to consider your financial well-being as you prepare for…
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Embarking on your retirement journey is a significant milestone filled with possibilities and new beginnings. However, being aware of potential pitfalls that could undermine your financial security is essential. One of the most prevalent issues is failing to protect against inflation. Known as the ‘silent thief’, inflation can gradually erode your savings and income purchasing…
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Constructing a diversified investment portfolio is crucial for safeguarding your wealth against market fluctuations. Diversification involves spreading your investments across various asset classes, sectors, regions and countries. However, tailoring your portfolio to your unique circumstances – such as your financial goals and investment timeline – is equally important. Before assembling your portfolio, it’s imperative to…
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All of our December financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information please contact your local Truly Independent Adviser to arrange your free…
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How to prevent misunderstanding and lay the groundwork for mutual financial success. Embarking on a financial journey with your partner can be both exciting and challenging. Whether you’ve been together for years or are at the start of a new relationship, planning your finances collectively can pave the way for a more secure future. A…
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As we approach one of life’s most significant transitions – retirement – many people do not engage in crucial conversations about the lifestyle they envision or assess whether they’re on track to achieve it. Recent research highlights that half of those aged 55 and over have not discussed their desired retirement lifestyle with a partner…
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Our November/December TIPS magazine is here. The amount of Inheritance Tax (IHT) paid by families has dramatically increased over the past decade, increasing from £3.1 billion in the 2012/13 tax year to £7.5 billion in the 2023/24 tax year. This rise is attributed to growing asset values and stagnant IHT thresholds, coupled with many families…
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What we do collectively this decade – including how we invest – could mark the difference between starkly different futures. Our actions now will determine whether we face a future plagued by environmental degradation or one where we have successfully mitigated some of the most pressing ecological concerns. The urgency of addressing climate change cannot…
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Thousands of mothers who have missed out on their full State Pension entitlement due to calculation errors have begun receiving letters from HM Revenue & Customs (HMRC) to address this oversight. These letters are being sent to women who have taken time off work to raise children since 1978, following the identification of underpayments in…
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The latest research reveals a significant disparity in perceptions regarding retirement experiences of the past and potential future scenarios. Over the past 50 years, a ‘hard stop’ or ‘transitional’ retirement has been the predominant way people have transitioned into retirement. A ‘hard stop’ refers to an abrupt end to working life, while a ‘transitional’ retirement…
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All of our August financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information please contact your local Truly Independent Adviser to arrange your free…
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With 2.81 million people in the UK now away from work due to long-term sickness, ensuring employers offer comprehensive health benefits is becoming increasingly critical. This approach is essential for preventing employees from becoming too ill to work, as well as for attracting and retaining staff in a competitive job market. By providing the right…
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