Thinking about your retirement, your pension age, and how you would like to live during those years, is a good idea at any age. For example, the earlier you begin saving for retirement, the more you can accumulate. And the mathematics of compounding means the earliest savings grow the most. That can make a huge Read More +

The UK’s Top Ten mortgage lender, Commonly known as the ‘Bank of Mum & Dad’ , help thousands of first time buyers who have struggled to save up a deposit whilst paying off student debt and starting their careers.  The average family contribution, which is not necessarily from parents but also grandparents, is the equivalent Read More +

We are constantly being reminded to keep passwords safe and secure and to not write them down or share them with anyone. We are also being reminded to make sure our Wills are up to date and we have a lasting Power of Attorney to ensure that important decisions, and our assets,  can be looked Read More +

A frequent topic of discussion, particularly when advising on Estate planning, is making gifts to Grandchildren.  This is particularly relevant at a time when many younger people struggle to save for a deposit and / or build up sizeable debts in an attempt to differentiate themselves form the crowd. Many clients are reluctant to make Read More +

My husband is a whisky  enthusiast , he would say connoisseur!  He attends tasting events, does occasional distillery tours, reads about it and drinks a little.  The main part of his hobby is his collection.  Comprising of a number of bottles; some limited edition , some older and rarer, they are all unopened. At some Read More +

..Own the process There’s a lot of talk about how England are doing so well in this World Cup.  Gareth Southgate has put it down to ‘owning the process’. It’s a familiar term in management but also applies to financial plans. A plan can only be deemed to be successful at the end. A financial Read More +

and how will you pay for it? We all have dreams, things we would like to achieve during our lifetime.  What’s on your ‘bucket list’? Our initial discovery meetings always focus on what people are trying to get our of life.  This is the starting point for the development of every financial plan.  Often new Read More +

..so be prepared 20 years ago I joined F H Manning to be part of the Investment team, researching shares and other investments as part of a discretionary mandate.  Today I spent 25% of my time doing research and the other 75% of my time meeting clients, discussing financial goals and lifestyle planning. 3 years Read More +

We are constantly being told it is important to save.  But why sacrifice the present for an unknown future? Saving is not just about having a pot of money for when you stop work.  Saving give you choices, flexibility and freedom.  Many people know that they want enough money accumulated to stop work at a Read More +

How you will be remembered? Most business people, and some employees, are guilty of working outside their standard hours.  For a variety of reasons we feel compelled to stay an extra hour or take work home. We think it will make life easier or keep our boss happy. Indeed, this article was written one evening Read More +