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Long term care

The first time most people think about funding long term care is when they or someone they love needs it. Care can be given at home or in a care home, but either way, it has to be paid for. Sometimes the NHS will contribute for someone with a chronic illness, but...

What does the rate rise mean for you?

Last month for only a second time in a decade the Bank of England Base Rate was increased. It now stands at 0.75%. Although this isn’t the actual rate that borrowers pay or savers receive, the increase means banks are likely to change their rates accordingly. This is...

Who are your executors

Who are your Executors? There has been a lot in the news the past few weeks about banks essentially paying themselves up to £15,000 having appointed themselves as Executors in Wills that they have previously arranged for customers. Coupled with some solicitors triple...

Advice or Guidance

The new pension’s freedom rules effectively allow anyone over the age of 55 unrestricted access to their accumulated pension funds including the option to withdraw it all as a single lump sum. With this in mind some may question whether there is still a need for...

Economic Review – June 2018

Inside this issue: MPC vote boosts prospect of August rate hike Government borrowing continues to fall Markets Earnings growth remains sluggish Royal wedding and sunshine boost retail sales View or download the June review...

Is Equity release a solution?

I often meet people who consider their home to be a key part of their retirement planning, usually by downsizing. The reality is, in the past fifteen years dealing with clients approaching or passing retirement I can only think of one who has downsized, realising a...