How much money do I need to retire?
How much money do I need to retire? This is a very popular question for financial advisors. Generally, people want to know how much they’ll need to have saved in their pension pot to retire comfortably. The easy answer would be “lots of money” however, building a pension pot requires you to sacrifice some things […]
Should you invest in a Pension or an ISA?
What’s better – a Pension or an ISA? Because pensions and ISAs work differently and have their own set of rules, it can be difficult choosing between the two. What they do have in common is that they are both tax efficient ways of saving. Your choice would depend on your personal circumstances and what’s […]
How much should you pay into your pension?
How much should you pay into your pension? A question often asked by those seeking financial advice is, ‘How much should you pay into your pension?’ Everyone knows that they need to save for retirement, but the big question is “How much?” I have come across many different formulas for the calculation. Some are quite […]
How do I invest responsibly?
How do I invest responsibly? This is a question we are hearing time and time again. With more investors wishing to avoid investing in areas that are linked to harmful activities, responsible investing is gaining momentum. But there is a lot of terminology around investing responsibly and it can all be a bit daunting and […]
Should I do buy-to-let as a Limited Company?
Should I buy to let as a Limited Company? One of the most frequently asked questions by prospective and existing landlords is whether buying to let as a Limited Company is an option worth exploring. This is because tax breaks for individual landlords have been greatly reduced. So what are the benefits of buying as […]
Seasonal financial planning tips for 2024
Financial planning tips for 2024 – season by season How do you plan your finances by season? There is no set order in which to deal with your finances. However, breaking things down into months or seasons can make planning your finances easier and more fun. The financial advisers at Sterling & Law have created […]
Protect yourself from scams and scammers
Many of us believe that we are too experienced to be scammed. The ugly truth is that nearly 45% of all UK crime committed in 2022 against individuals was fraud through scamming. Scammers are becoming cleverer and more sophisticated, and scams are on the increase. The consequences are horrendous for the victim, and some have […]
Is your workplace pension going to be enough?
Is your workplace pension going to be enough? The government introduced auto-enrolment in 2012 to help more people save for their retirement. At first glance, it has been a rip-roaring success. Workplace pension participation has doubled from 42% in 2012 to 86% in 2021. It started off with the biggest employers enrolling new staff into […]
The simplest way to pay your inheritance tax bill
The simplest way to pay your inheritance tax bill Life is complicated, and so is tax. That’s why we’ve written this article about the simplest way to pay your inheritance tax bill. If your estate is large enough, your beneficiaries may well end up paying inheritance tax on your death. Large enough? Well, if you […]
A mortgage real life story
Mortgage Real Life Story: Helping a Couple Get a Good Mortgage Deal Analysts say that the Bank of England is caught between a rock and a hard place. They have a choice between allowing inflation to run riot or killing borrowers with ever higher interest rates. We see the numbers, but how does it affect […]
