Richard Moller - Adviser at Hibbert Wealth Management Limited

This week is Talk Money Week.

Do you have a good relationship with money?

Do you talk openly with your family about your financial situation?

Do you understand what your future finances might look like?

These are just some of the questions that matter when looking at money and financial wellbeing. A staggering 94% of UK residents are stressed about money. So if you are worried, you are definitely not alone.

Take some time this week to think about your financial goals and objectives over the short, medium and long term and discuss these with your friends and family. The first step towards achieving these goals is understanding your current position.

I am looking forward to delivering a number of financial education sessions to a variety of employees across this week. It is great when people start to understand their finances better and take control rather than letting them drift along or worse spiral out of control. Is this something your teams might benefit from as well?

So do you understand your finances and are you in control?

What is ESG and why is it important? By considering environmental, social and governance (ESG) factors when investing, you can use your money to make the world a better place and promote long-term sustainability.

Have any questions? Don't hesitate to ask

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

Hibbert Wealth Management 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 is ESG and why is it important? By considering environmental, social and governance (ESG) factors when investing, you can use your money to make the world a better place and promote long-term sustainability.

The pressure on company owners has intensified since the start of the pandemic, which has brought with it an added toll on mental health for those running their own businesses.

Protecting your mental wellbeing is not only important for your overall health, it also contributes to the productivity and success of your business.

Don't forget about your employees - it can be as difficult for them as it is for owners.

Why you should take the time to consider your and your employees’ mental health Why you should prioritise striking an equitable work-life balance.

Are you worried that you might have to sell your property if you need long-term care?

Long-term care can be costly to fund – but you may not have to put your house on the market to pay for it.

There are a number of simple options to avoid this and we explain some of these in this article.

Do you have to sell your home to pay for care? Long-term care can be costly to fund – but you may not have to put your house on the market to pay for it.

Are you stressed about your finances?

Financial stress can affect anyone – for any number of reasons. It’s important to talk about financial wellbeing and take advantage of the support available.

It is a pleasure to be able to provide support to businesses for their employees to help with financial wellbeing.

What are you doing about your financial wellbeing and that of your employees?

The universal nature of financial worries Financial stress can affect anyone – for any number of reasons. It’s important to talk about financial wellbeing and take advantage of the support available.

What is important to you when investing?

Is it that your investments are a force for good or just that you get the best returns possible? Why not both?

The old myth that investors need to sacrifice some returns if they want to consider environmental, social, and governance (ESG) factors in their investment strategy has rapidly gone out of fashion. There’s now plenty of evidence that shows how a company approaches these issues plays a significant role in long-term performance.

How investing responsibly supports long-term returns The old myth that investors need to sacrifice some returns if they want to consider environmental, social, and governance (ESG) factors in their investment strategy has rapidly gone out of fashion. There’s now plenty of evidence that shows how a company approaches these issues plays a significant ...

What is the value of financial advice?

This is something that is different for each individuals, but this story provides a good demonstration of the value of professional financial advice and how it can have a genuine impact on your overall financial situation and outlook.

Could you benefit from having a trusted adviser that you have confidence in?

Making the retirement dream a reality How one St. James’s Place client found a path towards a comfortable future, thanks to the strong relationship they built with their financial adviser.

If you’re approaching retirement, you may be reviewing your assets and contemplating what the future is going to look like. How can you ensure you have sufficient income in retirement? https://www.sjp.co.uk/news/how-to-ensure-you-have-sufficient-income-in-retirement

Have any questions? Don't hesitate to ask.

Hibbert Wealth Management Limited 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)

How to ensure you have sufficient income in retirement How to ensure you have sufficient income in retirement

A clear workplace financial wellbeing strategy can boost mental health – and productivity.

The idea that a happy employee is a productive employee is one that few organisations would argue with. But while it sounds logical enough, it’s not always clear how employers can contribute to the wellbeing of their people.

Much of the focus now is on financial wellbeing in the workplace, given the effects of the pandemic on money worries and mental health.

It is really rewarding to be able to help people with their financial wellbeing and I am looking forward to delivering my next session to a business next week.

Money matters: financial wellbeing in the workplace A clear workplace financial wellbeing strategy can boost mental health – and productivity

Investing in a child’s future could set them up for more than just a wealthier retirement

The financial challenges facing many parents will put the idea of building a nest egg for their children way down the list of priorities. But if one’s aim is to help a young child save for a distant goal, then the earlier these savings are started the better.

The benefits of a long-term approach to investing are time-tested and the principle is very simple: the longer an investment has to potentially grow, the greater the benefit will be from the year-on-year compound effect of reinvested returns.

Should you start a pension for your child? Investing in a child’s future could set them up for more than just a wealthier retirement.