Looking after yourself
The Stay at Home requirements change our routine and can cause some uncertainty and anxiety. We share some tips to help you and your family remain active and look after your mental health during the lockdown.
The impact on dividends
Dividends are a valuable source of income and investment growth. But how will the coronavirus pandemic impact the outlook for company dividends?
Make ISAs part of your financial planning
If you have not used your full annual ISA allowance there are many options available. Don?t forget you can also save for other family members using their ISA allowance. Financial advice can guide you through the options.
Brexit – Time to discuss trade arrangements
Now that Brexit is confirmed it is time to start looking at the possible trade arrangements between the UK and the EU that will be taking place over the coming months as well as the possible effects on the economy.
Retirement income – exploring your options
Whether you are managing income in retirement or planning ahead, inflation, State Pension payments and the income options available need to be considered to give you financial control in retirement.
A new year brings financial planning opportunities
Make sure your year end tax planning is complete before your allowances are lost at the end of this tax year. There are many allowances available to you and your family, but you need to act now before some allowances are lost.
Staying protected in retirement
In retirement, protection is often overlooked and policies can lapse or company benefits stop. But is there still a need?
Managing investment risk
When markets are experiencing volatility, it can be a human instinct to withdraw investments from market risk and shelter them in a safe haven, but remaining invested in the markets can be beneficial over the longer term.
Saving for retirement – the alternatives to a pension
Retirement savings have for many years been subject to limits, but more people are seeing these limits impact their retirement planning. There are additional ways available to plan for your retirement.
How to generate income tax efficiently
Our advisers can build an income strategy, so you can control your tax rate by using the allowances available to generate income in retirement from your portfolio in the most tax efficient way.
Watch Out! – Be alert to scams and fraud
Financial wealth attracts fraudsters and scammers, so we urge our clients to be wary and watch out for suspicious activity when it comes to your financial plans.
Getting to know the State Pension
The State Pension is a valuable source of guaranteed income, so understanding more about it can really help with your retirement plans.
Are you aware of your State Benefits?
There are many different Benefits that can be claimed, however when we speak with clients many are unaware of the range of State Benefits that they could be entitled to.
The gift of financial independence
How can parents and grandparents help the next generation to manage financially in their lives? You can support in many ways by helping with student living costs, getting them on the housing ladder, wedding costs or even contributing towards their pension pots.
Challenge of a lifetime
Saving for retirement is a key part of financial planning, but the Lifetime Allowance is impacting more people when they start to take their retirement benefits. Find out how to tackle this problem.
Supporting the next generation at work
Many retired clients may have had one or only a few employers, but what financial planning needs do contractors or freelancers need to consider if they are self-employed and not receiving employer sponsored benefits?
Origen celebrates latest award wins
We are delighted to announce our latest awards for 2019, in recognition of our excellent service and putting clients at the heart of what we do
Financial Advice for Women
Research suggests that men are three times more likely to seek financial advice at retirement than women. Some of the key barriers to women investing are time, confidence and access to the right information.
Fund Suspensions – What can we learn from the Woodford Equity Income Fund?
We look at what has happened to the Woodford Equity Income Fund and whether other funds could also be at risk of suffering the same fate.
Long term care – are you prepared?
As we are tending to live longer, many more people need long term care. Sensible financial planning can help you to be prepared for these costs, so that you and your loved ones do not have to worry about being able to afford the care which you may need.
Preserving your wealth with a family trust
In April, we shared some financial planning tips on making gifts to tackle Inheritance Tax (IHT) liabilities, but many clients have higher value illiquid assets which cannot be easily split to take advantage of the gifting allowances.
The value of forward planning and regular reviews
When you save over a longer term horizon, investment objectives can be more realistic and achievable. Mike Wallis demonstrates that regular reviews are a key factor for investment success.
Where to put your money – ISAs v Pensions
We may help many of our clients with savings and retirement planning. Natasha Nair compares the benefits of ISAs and pensions depending on your financial needs.
Retirement income – Be prepared for all possibilities
How can modelling and planning tools help you make informed choices about your retirement income, taking account of your long term needs.
Inheritance Tax – How much are you worth?
Many people underestimate the value of their assets and therefore do not consider the needs of estate planning. Find out what actions should be considered to manage the impact of Inheritance Tax on your estate.
Budgeting – The foundations for financial planning
Taking the time to review your financial situation can really save you money and give you greater freedom and control to save for your future.
