Ginkgo Financial

Say hello to James Corrales, our new Head of Operations.

Ginkgo's growing, and that's exciting. More clients, more advisers, more happening every day. Growth like that only stays a good thing if the firm behind it keeps running smoothly, which is exactly why we've brought James on board.

James is the person making sure Ginkgo works well behind the scenes. He looks at how we operate as a business, sharpens our internal processes, and finds better, smarter ways of doing things. The result is a firm that runs more efficiently, so the people who look after you have the time and support to do it properly.

Ask James what he likes most about Ginkgo and he'll tell you it's the family feel. Everyone cares; everyone helps each other. That's exactly what we want you to feel too.

Welcome aboard, James.

https://ginkgofinancial.com/team_profile/James-Corrales

The headlines say the cash ISA rules are changing for the worse: from April 2027, under-65s will be able to pay £12,000 a year into a cash ISA instead of £20,000.

Daren Wallbank thinks that’s the wrong thing to worry about. For a lot of people – retirees especially – a cash ISA shelters interest the taxman was never going to touch anyway. So the real question isn’t the allowance. It’s whether you should have a cash ISA at all.

https://ginkgofinancial.com/should-you-have-a-cash-isa

Experts reveal inheritance tax loophole ahead of upcoming pension change https://www.express.co.uk/finance/personalfinance/2220029/experts-inheritance-tax-loophole-pension-change

Experts share inheritance tax loophole ahead of upcoming pension change That pension change sounds properly sneaky

If having a clear out is on your list of things to do this summer holiday don't forget we're collecting books for ABC Book Club.

Any books you can spare would make a real difference. Fiction, non-fiction, picture books, all welcome.

Drop them into the collection box at the office whenever you're passing.

Ten years of Arti. 🎉

Picking up the phone to a financial planning firm for the first time can feel like a big step. Arti's usually the person on the other end - and she's the reason most people feel at ease before they've even met their adviser.

But she's not just a first impression. She's the one who stays in touch, checks in, and remembers all the tiny details. The kind of person who turns a professional relationship into one that feels personal.

After ten years, Ginkgo wouldn't feel like Ginkgo without her.

The surprising numbers behind a comfortable retirement https://www.which.co.uk/news/article/the-surprising-numbers-behind-a-comfortable-retirement-aJBHu8A9wpze

The surprising numbers behind a comfortable retirement - Which? All the latest news about Pensions & retirement from Which?

Carrying debt into retirement isn’t always bad news https://www.cityam.com/carrying-debt-into-retirement-isnt-always-bad-news/

Carrying debt into retirement isn't always bad news As more pensioners turn to housing wealth to fund old age, James Daley argues that perceptions around carrying debt into retirement need to change.

HMRC's £3,000 tax rule parents helping their children need to know https://www.mirror.co.uk/money/hmrcs-3000-tax-rule-parents-37330100

HMRC £3,000 tax rule parents helping their children need to know Consumer group Which? says parents need to understand the tax consequences

“Retire to the sun.” “Travel more.” Lovely ideas – but vague enough to stay ideas.

Our adviser Catriona Bryden has written about the difference between a retirement wish and a retirement plan, and why the specific dream is the one you can actually build towards. You’ll also find out what the Ginkgo team are dreaming of – bees included.

https://ginkgofinancial.com/whats-your-retirement-dream

Hot Dog? 🐕
This summer's shaping up to be a proper scorcher. 🌞🌞
So, all summer long, Monday to Friday, there's a bowl waiting by our door on Delacourt Road, filled with fresh water and usually a treat or two.
Out walking your dog on a weekday and need a breather? Pop in and say hello.
Stay cool, everyone.