Crane Williams Financial Advice

New Free Magazine - IFA Fundamentals 2024 Issue 1

Welcome to our new free online financial magazine, and the first issue for 2024! Here are some of the themes discussed...

✅ Tax position
🔑 Lost pensions
🌿 Investing in ethical funds
👨‍👩‍👧‍👦 Succession planning

We can help - to safeguard, expand and cultivate your wealth.
Please message us for more info or to book a consultation!

Read the full magazine here ⬇️
https://acrobat.adobe.com/id/urn:aaid:sc:EU:3171bcc8-8c20-4340-a593-d038a8ea8585

Crane Williams Ltd FCA no 841333 is an Appointed Representative of New Leaf Distribution Ltd who are authorised and regulated by the Financial Conduct Authority, FCA no 460421. Head Office Garfield House, 165-167 High Street, Rayleigh, SS6 7QA.
Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance is not a guide to future performance.

Wishing you all a very Merry Christmas and best wishes for 2023. The office will be open over the festive period should you need to speak to us about anything you need.

Thank you to our recent client's for leaving such great reviews. Much appreciated 👍

Some of you may be worried about what you are seeing in the news about the economy at the moment and understandably so. While there has certainly been some turmoil there is a lot of noise driven by the press so it is important to keep calm!

There have been many financial storms - 1992, 2008, 2020 and now 2022 - but the previous storms have eventually been weathered so it is important not to panic and to talk things through if you have any big concerns.

Mortgages
As you probably know interest rates have increased and are continuing to do so. They may still continue to rise yet, they may eventually peak and come back down to a certain level, but it does seem like the days of ultra-cheap borrowing are behind us. Mortgage products are being cut but lenders are re-pricing so more will be released soon, albeit at higher rates.

Protection
Even more so than before, now is the time to make sure you can afford your mortgage payments if your income falls, or if you are too ill to work and lose your income. Do not cancel any existing protection policies (life cover, income protection, critical illness cover), they are invaluable to your financial security! Look to reduce outgoings in other ways by cutting down on non-essentials.

Pensions/Investments
In 2022 markets have taking a battering for want of a more polite term. But as with previous crises it is very important to ride out any storms and enjoy the recovery periods that seem to follow. Being invested in financial markets at any risk profile will inevitably involve some volatility and should not be considered as short-term.

Summary
The main message is not to panic and to please get in contact with us to talk through any concerns, issues or worries you may have about the current financial climate and what it means for you and your loved ones. I will be sharing some market info in the coming days and some tips from institutions such as mortgage lenders, so keep an eye out for those.

Best wishes
Tom

Ethical Investing | Pension Advice | Investment Advice | Mortgage Advice | Life Assurance | Illness Protection | Commercial Mortgages

Crane Williams Ltd is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421. Head Office First Floor Princess Caroline House 1 High Street Southend on Sea Essex SS1 1JE. Co registration Number 5520001. Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance is not a guide to future performance. Commercial lending and most buy to let arrangements are not regulated by the FCA. It is important to note your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

New for 2022 our new office based in Long Ashton above the Birdwell Clinic, Weston Road! Feel free to pop in for a cup of tea and say hello🫖☕️ please like and share this post. See you soon!

Crane Williams Financial Advice's cover photo

Crane Williams Financial Advice