With the New Year fast approaching – why not start thinking about your 2018 finances?

A successful financial strategy means not leaving your saving and investments to chance so our Top Ten Financial Planning Tips are:

Consider your goals

Review your short and long-term financial goals – are they still relevant and attainable?

Consider your Inheritance Tax (IHT) position

You don’t need to be wealthy to find your estate liable to Inheritance Tax (IHT), taking advice can ensure your heirs don’t pay too much tax

Save more!

With the tax-year end approaching you still have time to use your ISA allowance

Revisit your mortgage

If you haven’t reviewed your mortgage, there could be a better, more cost-effective deal available

Check your state pension position

Check your retirement date and the amount of state pension you will receive, go to the website

Have a will in place

Having a valid Will in place should be a top priority. If you die intestate your estate might not go to your nearest and dearest

Review your pension planning

Keep your pension planning under regular review to ensure you’re on track for a comfortable retirement, there’s valuable tax relief on offer too

Think about a Lasting Power of Attorney (LPA)

With dementia and Alzheimer’s a major cause of death in the UK, more people are writing a Lasting Power of Attorney (LPA).

Refresh your investment portfolio

Reviews of your investment portfolio are a good opportunity to take a closer look at the underlying assets

Review your protection policies

Life insurance and other forms of protection should form a vital part of everyone’s financial planning

We are happy to motivate you to set the ball rolling – contact us to arrange an initial meeting. There is no charge for this and it will be the first step to you taking control!

Our office number is 0161 718 8328 or you can contact us at

We look forward to hearing from you.


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