Jordan Clark Financial Advice

📈I offer no obligation Investment Advice.

It’s easy to fall into the trap of leaving money sat in your bank account or savings account earning little to no interest.

For some things, like an emergency fund or money you need for an upcoming project, this would be the right thing to do.

But for medium to long term savings, it is the thing which is really going to hinder your opportunities in the future.

Especially things like saving for a house, as the deposit money you have now wont be growing at the rate the housing market is meaning your options will be limited to lower value houses down the line.

A good financial adviser should be able to guide you down a path of doing the right thing for your objectives and put it in a place that can receive potentially the best returns for the level of risk you’re comfortable taking.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

🏦I offer no obligation Investment Advice.

It’s easy to fall into the trap of leaving money sat in your bank account or savings account earning little to no interest.

For some things, like an emergency fund or money you need for an upcoming project, this would be the right thing to do.

But for medium to long term savings, it is the thing which is really going to hinder your opportunities in the future.

Especially things like saving for a house, as the deposit money you have now wont be growing at the rate the housing market is meaning your options will be limited to lower value houses down the line.

A good financial adviser should be able to guide you down a path of doing the right thing for your objectives and put it in a place that can receive potentially the best returns for the level of risk you’re comfortable taking.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

🏙Amongst all of the challenges businesses are currently facing, employee mental wellbeing should be a priority.

Without employees, there is no business.

It’s important to make sure people are okay and if not, provide them with the tools to make their situation better.

Over the past few weeks I have been thinking of ways I can support people and businesses in this area.

After going through an intensive training course, I’m happy to now be accredited to provide the invaluable St. James’s Place Financial Wellbeing Workshop to businesses across the U.K, free of charge.

The programme’s aim is to help people understand their own financial circumstances better, and to empower them to make informed decisions about their finances.

I am also excited to be providing financial wellbeing based content to the guys at Tahora. It’s an amazing startup providing a workplace platform to businesses, with the aim of placing mental wellbeing at the heart of business culture.

For any businesses out there interested in having a chat about how the Financial Wellbeing Workshop can support your workforce, feel free to drop me a message.

📉 For a lot of people, a recession is that thing you occasionally hear about, you know it’s not good but you’re not actually too sure what it means.

Long story short it's where as a country the amount of goods and services we produce is in decline for 2 consecutive quarters.

Whilst panicking would be pointless, it’s important not to underestimate the impact a recession can have on both your business and individually.

The best businesses survive because they react swiftly and efficiently in times like this.

This can involve making cuts where possible, and thinking in a worst case scenario mindset.

If you’re already operating on thin margins, it isn’t going to get much better over the next year so maybe time to analyse your spending.

@ Manchester, United Kingdom

📈I offer no obligation Investment Planning advice.

It’s easy to over complicate investing at times, and attempting to time the market is a prime example of this.

There are many studies to support the effectiveness of simply determining a good investment strategy, and sticking with it.

Quite simply, the longer you invest, the less likely you are to lose money.

Putting those savings to better use rather than leaving them in a low interest savings account for the next 10 years, is something you will thank yourself for when they’re needed.

A good Financial Adviser should help you understand the ins and outs of investing in a simple way, determine a route best for you based on your goals and your risk profile, and monitor your investment on an ongoing basis.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

@ Manchester, United Kingdom

👣To some, the footsie 100 might sound like an intense game of two people kicking each other’s feet under the dinner table.

But the FTSE 100, and its performance can illustrate the health of both the UK and international economies.

For example, when the pandemic first hit you would have seen a huge drop in the value of the overall FTSE 100.

This is because investors became nervous about what was going to happen due to so much uncertainty, which led to them either selling their existing shares in businesses or new investors holding off in fear of losing their money.

A reduction in demand for the shares available, results in a reduction in share price and therefore the overall value of the FTSE 100.


@ Manchester, United Kingdom

📈Compound interest refers to the principle that when you save money, as well as earning interest on the savings, you also earn interest on the interest itself.

Therefore, every year that the money is in your account you are earning interest on each previous year’s interest.

This means that not only are your savings growing over time, but that the rate at which they grow gets faster as well.

At first glance, it would be easy to see the offer of £50,000 a day and jump at the opportunity.

But the effect of just reinvesting the money made from doubling the penny every day for a month, has much larger rewards.

@ Manchester, United Kingdom

🦽I offer no obligation advice on Retirement Planning.

For a lot of people, saving for retirement isn’t an exciting thing to think about.

‘’I’ll do it later, I’ve got ages until retirement’’,‘’I’m growing my business so I can just count on that to provide me with a good retirement’’

Are just a couple of the reasons why people decide to put it off.

It’s important not to underestimate the task of saving for 25-30 years worth of income.

I believe that money worries are something a retired person shouldn’t have to deal with, and with good planning it doesn’t have to be.


@ Manchester, United Kingdom

🔐I offer no obligation advice on Protection.

Not having Income Protection can quickly undo a lot of the hard work you have done, to get yourself to the point you are at now.

Unforeseen situations such as a bout of illness or an accident that stops you from working will lead to business funds and loans needing to being used to support yourself.

When you couple this with an inevitable reduction in business revenue, it will only be a matter of time before you exhaust your funds available.

Protecting against your ‘own occupation’ means any accident or illness that stops you from being able to do your job, will pay you a set monthly tax-free income until you’re better.

Don’t put it off, because once you need it it’ll most probably already be too late!



@ Manchester, United Kingdom

🔐 I offer no obligation advice on Income Protection.

Not having Income Protection can quickly undo a lot of the hard work you have done, to get yourself to the point you are at now.

Unforeseen situations such as a bout of illness or an accident that stops you from working will lead to business funds and loans needing to being used to support yourself.

When you couple this with an inevitable reduction in business revenue, it will only be a matter of time before you exhaust your funds available.

Protecting against your ‘own occupation’ means any accident or illness that stops you from being able to do your job, will pay you a set monthly tax-free income until you’re better.

Don’t put it off, because once you need it it’ll most probably already be too late!


#2020 @ Manchester, United Kingdom

💳Choosing the right savings account is important for a few reasons: The access you have to it, the returns it can generate, how it is taxed.

The essential savings account is good for things like emergency funds. Low interest rates, but quick access as and when you need it.

Notice savings account requires you to give notice before withdrawing. Usually 30-120 days. Good for the savings dipper type. Interest rates better than essential savings account, but still generally poor. High min deposit, usually £1000+. Good for saving for specific goal (e.g spends for holiday next June)

Regular savings account requires you to commit to paying specified amount each month for specified period, usually 12 months. Interest rates can be as high as 3%. Trade off is strict terms and inflexible. Good for building up your savings.

ISA’s, my favourite out of the 4. Work the same way as the others, but any interest earned is tax free. You get an ISA allowance of £20k a year. You can split this between different types: Help to Buy ISA, Stocks and Shares ISA, Cash ISA, Lifetime ISA.

Stocks and Shares ISA is a tax-efficient investment account that lets you put money into a range of different investments.

@ Manchester, United Kingdom