Investing is a crucial part of a financial plan for many people. If you’re considering investing, whether for the first time or expanding your current portfolio, our new guide can help you understand what you should think about first.

Among the topics covered in the guide are what to consider when choosing between saving and investing, understanding risk and return, the difference between passive and active investments, and much more.

Click here to download your free copy of the guide.

We are here to help answer your questions about investing and your wider financial plan. Contact us to discuss your concerns, needs and priorities, including how investments can help you achieve your goals.

Do you know when you can access your pension? Research has found that the number of people trying to access their pension early is on the rise, and it’s a misconception that scammers are taking advantage of.

The impact of Covid-19 has affected savings and investments, something that can be a particular concern for those nearing retirement. If your finances have been impacted, you may be considering changing retirement plans, but it’s important to consider your circumstances and the long-term effects, rather than focussing on headline figures.

Coronavirus has affected many aspects of our lives and research shows that savings are one area that may have been affected. Whether you’ve had to dip into savings or have been able to put away, it’s important to look at your financial plan to ensure you’re getting the most out of your money.

After Covid-19 forced millions of families to cancel holiday plans in spring and early summer, heading abroad is now an option again. However, strict measures are still in place and if you’re planning to book a trip in the coming weeks, there’s more to think about than usual.

When you think about your lifestyle goals and financial plan, how far ahead do you look? It wasn’t so long ago that planning to reach 80 meant you could be sure of financial security throughout your life. But now, it’s becoming increasingly common to celebrate your 100^th birthday, bringing new challenges to planning.

When you retire, there are a lot of financial decisions that need to be made as you start accessing the savings and investments you’ve built up. It’s natural to have lots of questions about your financial security at this point, such as:

• How much income will I receive from my pension?
• How long will my savings last for?
• How should I access my pension?

But one important question is often overlooked: How much tax will I pay?

ISAs are an incredibly important part of many financial plans, whether you’re saving for a short-term goal or investing for a long-term one. In fact, over ten million adults saved into an ISA account in 2017/18.

Whilst ISAs have been around for 20 years, the product range and allowance has changed considerably in that time. As a result, it can be more difficult than you would expect to pick the right ISA for you. So, we’ve put together a guide to help you get to grips with the ISA options open on offer. In the guide you’ll find:

• A brief history of ISAs
• The different types of ISAs available, including the Junior ISA
• And how the Additional Permitted Subscription can let you leave your ISA savings to a loved one

Click here to download your free copy of the guide.

ISAs should form part of your wider financial plan, if you’d like to discuss how they fit into your goals, please get in touch.

Lockdown restrictions are easing but the typical summer holiday abroad still looks uncertain for millions of Brits. As high streets, attractions and other key tourist spots begin to open back up, now could be the perfect time to look at staycation destinations if you want to escape.

Whilst restrictions are lifting, social distancing is likely to still be in place over the summer months, so keep this in mind when booking destinations and thinking about what you’d like to do. With uncertainty remaining, booking last minute may be a wise decision. Be sure to understand the refund or exchange policy of any providers you’re booking with beforehand too.

1. Pembrokeshire

This southwest county in Wales boasts plenty of coastline and stunning views. If you like being active during your staycation and taking in some incredible sights. There are over 180 miles of trails to explore in the country, which will take you through quaint villages, vibrant towns and beaches. The Pembrokeshire Coast National Park ensures the area stays pristine and you might be lucky enough to spot some of the coastal wildlife.

As you stroll through Pembrokeshire, there’s plenty of opportunities to step back in time too. Pembroke Castle is just one option that is steeped in history. If it’s open, you can climb the towers, explore hidden passages and descend into the limestone Cave below. If you’re a fan of delving into history, you may also want to add St Davids Bishops Palace, Castell Henllys Iron Age Village and some of the historic churches to your itinerary too.

2. Falmouth

Cornwall is a favourite staycation destination thanks to the beaches and thriving towns. If you want to escape to the coast this year, Falmouth may be a great place to start. The Falmouth Harbour is a gateway to the beautiful Fal River, which runs through an Area of Outstanding Beauty, perfect for nature lovers. There are some excellent beaches to walk along or relax in if the weather is warm enough too, including Swanpool Beach and Gyllngvase Beach.

As well as the natural attractions, you may want to spend some time visiting Pendennis Castle, which was built by Henry VIII, the National Maritime Museum or Falmouth Art Gallery. Falmouth usually has a packed calendar of event to entertain locals and tourists alike entertained, however, you should check whether scheduled events are still going ahead and expect changes last minute given the current circumstances.

3. Inverness

Heading to the Scottish Highlands can provide a perfect opportunity to escape from your usual setting. Inverness, often regarded as the capital of the Highlands, has plenty to offer those looking for a break. Of course, the most famous attraction close to Inverness is Loch Ness with visitors intent on monster hunting. Even if you don’t catch a glimpse of Nessie, the Lock is well worth a visit thanks to its picturesque views. Inverness is perfectly placed for getting out and seeing more of the stunning Scottish Highlands.

Inverness Castle is a riverside fortress that you’ll want to explore too. Other places you should check the opening hours of inclined Inverness Museum and Art Gallery, the botanical gardens and the Culloden Visitor Centre.

4. Lake District

As the largest of England’s national parks, it’s easy to see why the Lake District has and continues to be a popular staycation destination, and is now a World Heritage Site too. It’s an ideal place to head of you if like taking in the views as you walk, from the lakes to the fells. With so many lakes, there are plenty of chances to get out on the water to take in the view from a different perspective too, whether you prefer a boat cruise to relax or a kayak.

Whilst the outdoors is a key part of enjoying the Lake District, there are places to head if the weather takes a turn as well. You may want to check out the Lakes Aquarium, Wray Castle or even the world of Beatrix Potter, ideal if you have young children with you.

5. Bakewell

Heading to another one of England national parks, Bakewell is in the Peak District is a small market town that can act as a gateway for exploring more of the area. The charming town is the perfect base for exploring the peaks, making it ideal for those that want to take in the scenery and natural beauty of the area, but you’re also just a short trip away from Sheffield for when you want to head to a city.

Other local attractions that tourists should add to their list are Haddon Hall, Chatsworth House and the Monsal Trail. Of course, whilst you’re in Bakewell make sure you tuck into a traditional Bakewell pudding too.