The Shift I’m Seeing A pattern I’m seeing among families with wealth is this: parents and grandparents are increasingly choosing to gift earlier, rather than waiting for their will to do the work after they are gone. Clients are no longer just asking how to pass wealth on, but when. It’s not purely technical anymore. It’s emotional, layered, and intentional.
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Let’s be honest, hardly anyone lies awake at night thinking, “Do I need a financial adviser or a financial planner”. Most people simply want someone who understands where they are in life and can help them make sensible, reassuring decisions with their money. The job title matters far less than the experience. But understanding how the profession has changed over…
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Periods of geopolitical tension often dominate the headlines, and the recent military action involving the US, Israel and Iran is no exception. Such events naturally heighten uncertainty. As ever, markets digest new information rapidly. Prices reflect the consensus view of millions of participants, each interpreting evolving events in real time. Where the situation goes next is unknowable. Markets will move…
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Being an investor can be emotionally challenging. Even after a run of positive years, it is entirely natural to worry that some of those gains may be given back. Then again, this is regularly a feature of a long-term investor’s journey, though no such guarantees exist. As the calendar turns, it is once again the season for bold predictions and…
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Herbert Scott was delighted to welcome an enthusiastic work placement student into the firm last week. It was a great chance to support a young person in developing real world work skills and exploring potential career paths in financial services. Hlib Voishytskyi shared his thoughts about his experience: “I cannot recommend Herbert Scott financial planners enough if you are…
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We’re delighted to share some exciting news from the recent annual dinner for the Sussex branch of the Chartered Insurance Institute. Our very own Daniel Brooks was presented with the Rising Star award! This award recognises and applauds the outstanding achievements of ‘rising stars’ within the local Financial Services and Insurance professions. The annual…
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Introducing Our Equity Release Flow Chart. Equity release has evolved significantly in recent years. What was once seen as a last resort is now a well-regulated, flexible planning option that can play a useful role in later-life financial planning when considered carefully and used for the right reasons. For many homeowners, property represents a substantial portion…
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At Herbert Scott, our priority is helping clients make secure, confident financial decisions. Unfortunately, pension scams are becoming increasingly sophisticated and even the most financially aware individuals can be targeted. To strengthen the protection we offer, we have signed up to the industry pledge to Combat Pension Scams – a national initiative designed to safeguard pension savers. This pledge reflects…
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At Herbert Scott, we speak to many clients who are rightly cautious about unsolicited calls, online adverts, or messages encouraging them to “act quickly” on an investment opportunity. Unfortunately, scams are becoming more sophisticated, and even financially confident individuals can be targeted. To help protect consumers, the Financial Conduct Authority (FCA) has launched a new Firm Checker tool designed to…
read moreYour Financial Future Deserves More Than Guesswork Managing your money is one of the most important decisions you’ll ever make. Whether you’re planning for retirement, supporting your family, or building wealth for future generations, the choices you make today will shape your tomorrow. But how do you decide who to trust with your financial future? You have three main options:…
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