Craig Dunn Financial Planning

Investments, Pensions, Life and Illness Cover, Mortgages and so much more than just financial advice.......Familiy life planning!

Is your small business prepared for the unexpected? Many businesses underestimate the importance of key person insurance, leaving them vulnerable if a vital team member is suddenly unavailable. Discover how insurance can safeguard your business: https://partnership.sjp.co.uk/article/detail/sjpp/understanding-the-importance-of-key-person-insurance-for-business-owners.html

A detailed financial plan for your small business can help you manage your finances effectively, make informed decisions, and achieve long-term success - helping to secure its future. Read more in SJP’s latest article: https://www.sjp.co.uk/individuals/news/unlocking-success-how-a-good-financial-plan-can-help-my-small-business

If you’re self-employed, setting up your own pension can give you greater freedom, flexibility and peace of mind about your long-term future. Read more here:https://partnership.sjp.co.uk/article/detail/sjpp/why-set-up-a-personal-pension-if-youre-self-employed.html

Why set up a personal pension if you’re self-employed Why set up a personal pension if you’re self-employed

Home is where the heart is.

Buying a new house is exciting, but with so many lenders and products available, choosing the right mortgage can be confusing. Let us help you understand your choices; we can guide you through the complexity of today’s mortgage markets, making the process as straightforward as possible, and making sure you have the right mortgage to suit your needs.

Contact us to find out more: www.craigdunnfp.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Craig Dunn Financial Planning 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).

SJP Approved 21/05/2025

Saving money may feel like a pipe dream when bills and the cost of essentials have risen. However, putting some money aside regularly into an emergency savings fund can help avoid serious debt. If your car breaks down, or the children's school shoes need replacing, then it is better to have money available than to borrow it: https://www.bbc.co.uk/news/business-66855566

Four of the UK's biggest supermarkets - Tesco, Sainsbury’s, Asda and Morrisons - are now offering members of their loyalty schemes bonus points if they hit spending targets, leading to fears of consumer overspending: Warning supermarket loyalty 'challenges' could cause overspending - BBC News

Here's some tips on how to save money on your food shopping:

Learn prices: Get to know the cost of the items you buy regularly so you can spot what is a good offer and what is not

Compare price per 100g: Look along the shelf at similar items as loyalty prices might not be the cheapest option.

Set a budget and stick to it: Often supermarket vouchers or challenges will require you to spend more so don't be tempted to overspend

Stock up: If you do want to take advantage of a money-off voucher then bulk buy staples like pasta, rice or tinned food that have a long shelf life

Use tech: Use independent supermarket comparison apps to save your favourite items and get alerts when they go down in price

Financial protection, such as insurance cover, helps ensure that you and your family will be able to pay bills, maintain your lifestyle and safeguard your savings, should the worst happen: https://partnership.sjp.co.uk/article/detail/sjpp/what-is-protection-and-why-do-i-need-it.html

Recent studies have suggested the benefits of financial planning go beyond simply having enough money. “Proper financial planning can reduce family disputes related to money, leading to more harmonious relationships,” says St. James’s Place chartered tax adviser Obi Nnochiri: https://www.moneymarketing.co.uk/features/hidden-benefits-of-financial-advice/

The hidden benefits of financial advice | Money Marketing It’s official: financial planning is good for your clients’ health and relationships

Financial crime affects us all. As much as we’d like to, we can’t eliminate all fraud risks our clients face. However, by increasing your awareness of common fraud scams and trends and highlighting some common red flags to look out for, we hope you’ll be able to recognise the early warning signs if you’re targeted.

Here are some red flags to help you spot 'catfishing' or romance scams.

If you believe you've fallen for a scam, report it to Action Fraud: https://www.actionfraud.police.uk/reporting-fraud-and-cyber-crime

Claire Trott, Divisional Director, Retirement and Holistic Planning at St. James's Place, shares vital tips:

"Life happens, and we lose track of old pensions. Most only have partial info, but that's a start. Here's what most providers will need:

- Your national insurance number
- Date of birth
- Recorded address: this may differ from your current address as it will be the address you were at when you left the scheme.
- If you have changed your name, and providers have details registered in your previous name, you will be expected to provide proof of your name change."

Here are some tips for keeping track of your pension pots:

It is never too early to think about saving for retirement. Are you starting to think about the life you want to lead when you have more time? We can help you figure out what is important to you and how to achieve your pension goals.

Speak to the experts and contact us now to book a no obligation chat: www.craigdunnfp.co.uk

The value of your investment can go down as well as up. You could get back less than you invested.

Craig Dunn Financial Planning 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).

SJP Approved 21/05/2025