Money talks!
Sarah Austin, Independent Financial Adviser from Martin-Redman Partners, comments on the importance of talking about money.
Thinking about estate planning?
A key part of anyone’s financial life plan should be a will, power of attorney and a little bit of light philosophy around who gets what and why, what to keep close and what to give away while still very much alive.
The value of investment advice in times of uncertainty
Sarah Austin, Independent Financial Adviser from Martin-Redman Partners writes:The last few months should have reminded all of us involved in investing and providing investment advice that few things are certain in life. Market turbulence centred around Brexit, Trump’s trade wars, and longer-term issues like climate change and population dynamics all go to show that change is the norm and …
How 'big' a pension pot do I need for a comfortable retirement?
Sarah Austin, Independent Financial Adviser from Martin-Redman Partners, discusses how to calculate how 'big' a pension fund you will need to meet your lifestyle needs in retirement.
Cambridge Financial Adviser Jonathon Clarke raises £3,750 for EACH
Jonathon Clarke, Independent Financial Adviser at Martin-Redman Partners; raised a great sum for East Anglia's Children's Hospices (EACH) last weekend.
The importance of making your Will
Making a Will does not have to be complicated and once done gives you peace of mind. Just having a Will may not be enough; it must be the right type of Will - one that takes into account your wishes, and your personal and financial circumstances. Here, one of Martin-Redman's professional partners has written about the importance of a making a Will...
Jonathon Clarke of Martin-Redman Partners competes in the World Triathlon Championships tomorrow for children's charity EACH
After months of hard training and build up, Jonathon Clarke of Martin-Redman Partners is competing for Great Britain in the World Triathlon Championships in Lausane, Switzerland, tomorrow Saturday 31st August in the 35-39 age group Sprint Triathlon.
Should I leave my Workplace Pension invested in the default fund?
Jeremy Edwards, Independent Financial Adviser from Martin-Redman Partners, comments on the need to review how your workplace pension is invested.
The art (and science) of constructing investment portfolios
Sarah Austin, Independent Financial Adviser from Martin-Redman Partners, comments on the need to ensure your portfolio is appropriate for the amount of investment risk you are willing, and comfortable in taking.
Building your pension pot
Independent Financial Advisers encourage people to save for their retirement, and sometimes the sheer scale of the cash pile required can be daunting. As a very rough measure, you need a fund of 20 times the annual income you want to be able to spend. For an extra £10,000 per year, over and above State Pension, you would need a fund of around £200,000.
Investing in tax-efficient ways
Sarah Austin of independent financial advice firm Martin-Redman Partners comments on the tax-efficiency of certain investments and how to ensure they are best-suited for your attitude to risk, goals and budget.
Risk versus Reward when investing
Sarah Austin of Independent Financial Advice firm Martin-Redman Partners asks to what depth you have considered your ‘risk appetite’ when investing money in your Pension and other Investments, and the benefits of getting this right.
Comment on the Woodford fall-out
The press is currently aglow with stories about the Woodford investment funds that are currently suspended, with the impact felt primarily by private investors.
Do I need income protection?
Sarah Austin of Independent Financial Advice firm Martin-Redman Partners comments on Income Protection; an often over-looked but essential part of making sure your financial plan stays on track.
Now is the time to contribute to your ISA!
Sarah Austin of Independent Financial Advice firm Martin-Redman Partners comments on Stocks and Shares ISAs and the benefits they can bring in the form of tax-efficiency, growth and inflation-proofing your savings.
IFA Jon Clarke, seeks sponsorship in his bid to raise £5,600 for children's charity EACH
Jon Clarke of Martin-Redman Partners is competing for Great Britain in the World Triathlon Championships in Laussane, Switzerland in August 2019. He's offering companies sponsorship spaces on his GB kit .
Can I start a pension for my children?
Sarah Austin of Independent Financial Advice firm Martin-Redman Partners comments on pensions for children, and some of the benefits and drawbacks they bring.
Independent Financial Adviser Jon Clarke raises funds for EACH
Jon Clarke of Independent Financial Advice firm, Martin-Redman Partners, is raising money for East Anglia's Children's Hospices, which relies heavily on public donations. Bid to display your company logo on Jon's GB kit at the World Triathlon Championships and help him reach his £5,600 fundraising target for this charity which does incredibly valuable work.
How will Brexit affect your finances?
Sarah Austin of Martin-Redman Partners discusses how Brexit may impact you and the wider economy in this period of extended uncertainty.
Auto-enrolment pension contributions increasing from 6th April 2019
Minimum workplace pension contribution levels are increasing this month; so you may see less in your pay cheque. The auto enrolment minimum is now 8% of your qualifying earnings; of which at least 3% must be paid by your employer with the balance from you (up from 5% with a minimum of 2% being paid for by your employer). But what are the benefits of your Workplace Pension? Read on to find out…
The current state of long-term care funding
The politicians are treating long-term care costs as a “solved” problem following the Dilnot Report and the Care Act 2014. Unfortunately, the headline measure, a cap on care costs of £72,000, (at 2016 prices), was kicked along to April 2020, so we have entered into a period of muddle and half-cut solutions, says Martin- Redman Partners.
Pension income choices: final salary schemes
The last article covered the pension income choices offered by defined contribution, (also know as money purchase schemes), which embraces all of the choices offered by Pension Freedoms from April last year.
Pension income choices: post Pension Freedoms
Pension Freedoms has made a dramatic change to the options at retirement, so now is a good time to review the options.
Business protection in a nutshell: planning for the worst
Businesses and the owner/managers of businesses should makes themselves aware of the consequences of various unfortunate events happening and have measures in place to minimise the effect. The death or incapacity of directors or key members of staff can be mitigated, at least in part by the provision of life insurance before the event.
Being taken for a mug and other stories
Martin-Redman Partners writes - I have just had a reminder that utilities companies are happy to take loyal customers “for a ride”, as a little shopping around has secured a 30% reduction in energy bills and a significant reduction in the monthly “budget” price of energy throughout the year.