Lifetime cashflow forecasting is a core part of financial planning that could help you understand how your future may look. It could provide essential information that means you’re able to feel confident about what’s to come and the decisions you make. Read on to find out how it works and why it might be valuable for you. …
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I don’t know about you, but I’ve noticed we are now firmly into pre-budget speculation season. There is nothing new in economic and political commentators looking to boost newspaper sales and website clicks by writing alarmist articles about impending budgets, but it feels to me that levels of speculation and anxiety are particularly acute this year. We probably…
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The study of how psychology affects financial behaviours is fascinating. Understanding the basics could improve your relationship with money and how it influences your financial decisions. Behavioural finance looks at how psychological influences and biases affect the behaviour of investors. It aims to understand why people make certain financial choices and the effect it could have…
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Often one of the biggest benefits of a bespoke financial plan is that it allows you to devise a blueprint to follow, with your goals placed at the centre. It’s a strategy that could help you focus on what you want to achieve in life and make working with a professional even more valuable to you.
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If you’re a business owner, selling your business might be a key part of your long-term finances. You may plan to use the sale proceeds to retire, provide greater financial freedom, or fund your next project. So, understanding how much is “enough” could be vital. Even if you’re not planning to exit your business any time…
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Are you worried about Inheritance Tax (IHT) or how you’ll pass on your wealth to loved ones? For some people, pensions can provide a tax-efficient way to leave wealth to the wider family. Here’s what you need to know. While IHT currently affects around 1 in 20 estates, it’s a concern for many families. As key…
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A Lasting Power of Attorney (LPA) gives someone you trust the ability to make decisions on your behalf if you cannot. This can ensure there’s someone taking care of your affairs and advocating on your behalf if you’re ill or lose mental capacity. Naming an LPA is an important step, and it’s one you should discuss…
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Imagine the exhilaration of driving high among the mountain passes of the Carpathian Mountains, along a stunning volcanic landscape in New Zealand, or even experiencing breathtaking sunsets while travelling along the south coast of Australia. A road trip will allow you to have these experiences first-hand. Going on a road trip is something special; you have complete freedom, and it…
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We are very proud to announce we are moving to our very own office! Whilst we have really enjoyed our time at St Anne’s House, as many of you will know, we are a growing company, focused on delivering an excellent financial planning service. This has meant we need more space in order to continue growing our team and has…
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2016 has been a big year for Herbert Scott as David and I celebrate being in business for 20 years. To round the year off we are delighted to announce that we have been named in the New Model Adviser Top 100 financial planning firms in the UK for the second year running. The Top 100…
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