Williams & Associates Financial Advisers

Thinking of increasing your monthly pension contributions?

Here's what a little extra in your pension every day could look like when you get to retirement.

Have any questions? Don't hesitate to ask.

Williams & Associates Financial Advisers is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority

What's your money personality? Focus on "the human side of money"—your behaviours, motivations, and emotions—to guide your financial planning:

https://www.realsimple.com/work-life/money/money-personality

What's Your Money Personality? It Could Be the Key to Your Success Focus on "the human side of money"-your behaviors, motivations, and emotions-to determine your money personality and use that to guide your financial planning.

A host of changes that affect your finances take effect in April, which mean that some planning may be needed especially when finances are stretched by the Covid crisis.

https://www.bbc.co.uk/news/business-56576295

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Why April is a big month for your finances Lots of changes to household bills, tax and other elements of finances take place in the course of a week.

Easy payment schemes such as Klarna make accruing debt from online shopping seem like a form of self-care. Here, Kitty Drake from The Guardian looks at why “buy now, pay later” services aren’t quite as good as they seem:
https://www.theguardian.com/commentisfree/2021/may/12/buy-now-pay-later-new-generation-debtors

‘Buy now, pay later services’ are helping to create a new generation of debtors | Kitty Drake Easy payment schemes such as Klarna make accruing debt from online shopping seem like a form of self-care, says London-based writer Kitty Drake

The government provides a small pension to eligible people for later life. However, at its current levels, is the UK State Pension enough to retire on? Or is it more of a top-up to your other income in retirement? Let’s take a look:

https://www.fool.co.uk/mywallethero/your-money/learn/is-the-uk-state-pension-enough-to-retire-on/

Is the UK State Pension enough to retire on? | Fool UK If you are retirement planning, you'll want to know whether the UK State Pension is going to be enough to live on. We take a look.

Investing money in your grandchild’s future from an early age, rather than gifting it to them once you’re gone, could save you – and them – a whole lot in taxes.

The long-term effects of compounding mean that the earlier in life you start to make monthly pension contributions, the more you stand to benefit in retirement

Tax is dull, unquestionably so. Most of us would rather clear out the loft or scrub the bathroom than settle down to an afternoon reviewing our tax situation. But It’s important to keep an eye on your tax position to ensure you’re neither overpaying nor underpaying tax:
https://partnership.sjp.co.uk/article/detail/sjpp/the_importance_of_an_annual_tax_review%20%20%20.html

Have any questions? Don't hesitate to ask

Taxation rules can change at any time and are dependent on individual circumstances.

Williams & Associates Financial Advisers is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority)

The importance of an annual tax review The importance of an annual tax review

Almost half the UK population – wrongly – thinks the NHS will fund their care if they need it. But in fact, most people have to pay for their care in older age. Here’s what you need to consider:

https://partnership.sjp.co.uk/article/detail/sjpp/paying_for_long-term_care_what_are_your_options.html

Have any questions? Don't hesitate to ask

Williams & Associates Financial Advisers is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority

Paying for long-term care: what are your options? Paying for long-term care: what are your options?

Three high-performing businesses on the road to sustainability. Microsoft, Nike and Volkswagen AG are all living proof that responsible investing doesn’t mean sacrificing shareholder returns:

https://partnership.sjp.co.uk/article/detail/sjpp/three-high-performing-businesses-on-the-road-to-sustainability.html

Have any questions? Don't hesitate to ask

Williams & Associates Financial Advisers is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority

Three high-performing businesses on the road to sustainability Three high-performing businesses on the road to sustainability