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Why Should I Carry Out a Financial Review

Why Should I Carry Out a Financial Review

When you create a financial strategy, you often have medium- to long-term goals in mind. However, life is dynamic, and circumstances can change significantly over time. You may experience positive changes, such as landing a higher-paying job, upgrading to a more...

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Why Asset Allocation Matters to Investors

Why Asset Allocation Matters to Investors

Investing your hard-earned money is a journey filled with both opportunities and risks. Perhaps the only certainty in the world of investments is that their value will fluctuate, and sometimes unpredictably so. To navigate these turbulent waters successfully, careful...

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What is putting you off from investing

What is putting you off from investing

Investing is a smart and effective way to maximize your income and ensure that your money is working hard for you. However, despite its potential benefits, many individuals remain hesitant to start investing. A recent study by Lloyds Bank identified several reasons...

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What is a Self-Invested Personal Pension (SIPP)?

What is a Self-Invested Personal Pension (SIPP)?

In today's blog we are going to be discussing Self Invested Personal Pensions or which are more commonly known as Sipp’s. These are designed to give you greater control over your retirement savings.What makes a Sipp different to other pensions? The key difference...

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Time is Running Out: The Urgent Need to Save for Retirement

Time is Running Out: The Urgent Need to Save for Retirement

In the hustle and bustle of our daily lives, it's easy to push thoughts of retirement to the backburner. Many people, especially those in their 20s and 30s, believe they have all the time in the world to save for retirement. However, the reality is quite different....

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Why Do I Need an Emergency Fund?

Why Do I Need an Emergency Fund?

Life has a way of throwing unexpected curveballs, even when we’re diligently planning for the future. These unforeseen events can be financially challenging, which is why it’s crucial to have an emergency fund in place.

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Is it Time to Get a Financial Adviser?

Is it Time to Get a Financial Adviser?

With so much choice, information, economic uncertainty and technical jargon regarding finances where do you even begin to start? Here at Howard Wright we aim to make this clearer for you, find out more with this article.

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How to Consolidate Your Old Pensions

How to Consolidate Your Old Pensions

In this article we’re going to be discussing how to consolidate your old pensions. Very few of us have a job for life so how do we keep track and get control of our financial future?

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Why do I need Life Cover?

Why do I need Life Cover?

Life Cover. One of the most important elements of any financial plan. Let’s discuss the needs and requirements to ensure protection for your family.

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Should I Invest In a Pension?

Should I Invest In a Pension?

The topic of pensions can be very daunting and confusing. Whilst pensions may not be right for everyone, for most, they can be a very tax-efficient way of saving for the future, and not just for retirement.

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The 60% Tax Trap Explained

The 60% Tax Trap Explained

They say that there are only two things guaranteed in life, death and taxes. In this article, we are going to discuss income tax and an often overlooked or unknown 60% tax rate.

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Inheritance Tax (Part 3) – Trusts Products through your Financial Adviser

Inheritance Tax (Part 1)

Inheritance Tax is one of those taxes that many of our clients wish to explore as taking action early enough can mean that you are able to reduce or even completely eradicate the tax liability. Find out more in part 1 of the Inheritance Tax series.

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Should I Invest In a Pension?

Pension Annual Allowance

Pensions are a great way of saving for your financial future in a tax-efficient manner. In this article we cover the ins and outs of the Pension Annual Allowance.

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What is the State Pension?

What is the State Pension?

The state pension is a fundamental cornerstone of any retirement or financial plan. In this article, we’ll be looking at in detail and what it means for you!

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What is Inflation?

What is Inflation?

Inflation is the increase in the cost of living over a 12-month period. We look at the implications of this and your financial planning, in this article.

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What is a Recession?

What is a Recession?

In this article, Ashley Smith Chartered Financial Planner at Howard Wright explains what is a recession and how it affects your money.

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What happens to my pension if I die?

What happens to my pension if I die?

In this article, Ashley Smith, Chartered Financial Planner at Howard Wright, explains something very important – Pensions and what happens to them if you pass away. It’s a sensitive topic, but it’s important to understand what happens to your money in such a situation.

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Why have Interest rates increased?

Why have Interest rates increased?

The Bank of England has increased its official interest rate from 0.1% in October 2021 to 4% at the time of writing in February 2023. But why have they done this and how does it impact you?

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Should I switch to cash?

Should I switch to cash?

In this article, Ashley explains timing investment markets and whether you should switch to cash when markets are falling.

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