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Plan for a Happy Retirement

More and more people are using their retirement to fulfil lifelong dreams that they couldn’t previously achieve due to work commitments.  With time on their hands those in retirement are taking the opportunity to learn new skills, take up a hobby or travel the world. 
IF you’re someone who’s looking forward to this stage in life, then it’s important you effectively plan and save.
Below we have listed some helpful consideration that will help you plan for a happy retirement. 
Happy Retirement Plan
1.     
Retirement Income (“target income”)
Take time to calculate what your incoming funds will be during retirement. 
Do you have a pension…

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WE WILL REMEMBER THEM

 

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Inheritance Tax Planning

PET – Potentially Exempt Transfers.
 
“This may be unlikely but Inheritance Tax planning is important”
 
 
Source: PEANUTS Copyright – United Feature Syndicate, Inc.

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WILL THE NHS PROVIDE MY LONG TERM CARE?

 
WILL THE NHS PROVIDE MY LONG TERM CARE?Long Term CareOn some occasions Long Term Care is provided and funded by the NHS or alternatively by your local authority. However, depending on your eligibility and financial circumstances you may be expected to contribute to the costs associated with your care.
 
This may seem complicated but it’s worthwhile understanding should you or a loved one require home care,
elderly care or nursing home care.
 
The average residential care costs approximately £28,500 a year in the UK with additional costs if nurses are required. The cost of 24–hour home care is even higher. If you are expected…

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Financial Planning

 “Hope is not a Financial Plan” – Ric Edelman
Source: http://www.picturequotes.com/hope-is-not-a-financial-plan-quote-362464

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HELP TO BUY ISA’S

For first–time buyers this account could be worth a free £3,000 from the government, everyone over the age of 16 who wants to buy a house before 1st December 2030 should apply, but they cannot be opened after the 30th November 2019
 
–BUY NOW WHILE STOCKS LAST–

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Independent Financial Advice, why go anywhere else?

 Independent Financial Advice, why go anywhere else?
In these days of Pension change, low bank deposit rates and mortgage payment increases financial advice has never been so important. Financial products constantly change so it is prudent to have your finances regularly checked; especially if your original advice was not independent.
Many, if not most, advisers are “restricted” in what they can advise on or whom they can recommend. Financial Foresight has always been and continues to be INDEPENDENT financial advisers (IFA’s). We advise on and arrange mortgages, life and health insurance, pensions and investments across the whole market.
Financial Foresight is Northern…

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Pension Planning Tips

 
Pension Planning Tips!If you are aged between your 20s and 30s you should consider planning for their retirement.
Regardless of the decade, we have outlined some key areas to focus on when you decide to plan for your retirement lifestyle. The aim of this is to give guidance on how you can make sure your retirement is one of comfort, ease and financial security. 
Failing to plan for your retirement can have severe implications for not only you, but also your own family. Living off a limited expenditure from one week to the next is not exactly a desirable lifestyle. With…

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Everything you need to know about Investing

Everything you need to know about Investing
If you’re considering ‘The best way to save your money for a rainy day’ then the likelihood is that you need financial guidance.
If you live from month– to– month with your hard earned cash burning a hole in your pocket; then it’s time to save for the future. Or, begin a rainy day fund.
However, saving is not second nature to most of us and often we need financial advice to determine whether saving or investing our money would be better suited to our financial circumstances.
First and foremost, you need to pay off any debt…

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Managing your money!

 ”Money is like gasoline during a road trip. You don’t want to run out of gas on your trip, but you’re not doing a tour of gas stations” – Tim O’Reilly

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