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Are you looking for high quality, independent financial advice? You have come to the right place.

We regularly write about different financial advice topics and welcome your comments on our posts. If you would like more information on our services, please don't hesitate to get in touch.

Should you downsize your home to fund your retirement?

Trey Vella
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For many people in the UK their largest financial asset is often their home. Downsizing your home and moving to a smaller property is something which many people consider in later life. In particular, when looking at ways to fund retirement. Rather than...

How much should I pay into my pension?

Trey Vella
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This is a question which many people find themselves asking. Whether they are approaching retirement or they are starting to save into a pension for the first time. There are various suggestions from different sources as to how much you should be saving...

What is a recession?

Trey Vella
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Following official figures released last month, it has been declared that the UK has now entered a recession following a shrinkage in the economy of around 20%. Many people will remember the last recession in the UK during the financial crisis. But what...

Should I consider life insurance?

Trey Vella
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Adverse effects of the pandemic have included confusion, anxiety, relief at times, feelings of division and unity. However, throughout this process, one topic has remained ever-present...uncertainty. Uncertainty is something which has an impact on each of...

Is your business covered if a director were to die?

Nicola Ward
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Adversity often makes us all reflect on the things in our lives which we have not got around to considering. That certainly seems to be the case as we find ourselves faced with a global pandemic. As individuals, many clients have reflected on their personal...

Civil Partnerships - opening the door to fairer finances

Trey Vella
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As Pride Month 2020 draws to a close, now is a good time to reflect on a huge change to legislation which occurred last year. Following a lengthy legal campaign, Rebecca Steinfeld and Charles Keidan won their appeal to the Supreme Court in respect of Civil...

Coronavirus scams: protecting yourself and your finances

Trey Vella
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The Coronavirus outbreak is currently affecting everyone across the globe. As the world struggles to deal with the pandemic, there are some individuals who are seeking to exploit this opportunity unethically and illegally. You may have seen reports in the...

The rise of ethical investing

Trey Vella
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Over the years, ethical investing has seen a steady growth in popularity as more and more investors begin to favour socially responsible companies. According to the Investment Association, last year 26% of the UK’s assets under management were...

The A to Z of ISAs

Trey Vella
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Do you know your Stocks and Shares ISA from your Cash ISA? How about your Lifetime ISA from your Innovative Finance ISA? When it comes to Individual Savings Accounts (ISAs) there are various options available and it can feel overwhelming trying to...

Making the most of your ISA allowance

Trey Vella
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Individual Savings Accounts (or ISAs as they are more commonly known) were introduced by the government on 6 April 1999 to encourage people to save. Individual Savings Accounts benefit from a favourable tax status, which means that all growth and income...

Financial arrangements for same-sex couples

Trey Vella
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With Essex Pride well underway, we remember the fantastic changes that have been achieved for same-sex couples in recent years, who can now enter into a marriage or civil partnerships. This includes being able to leave your estate to each other on death and...

Tax year end planning - don't leave it until the last minute

Trey Vella
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Around this time every year, I see the same rush from clients to make last minute arrangements in order to utilise any remaining tax reliefs and allowances by the end of the tax year.  The tax year runs from 6 April to 5 April every year, and is...