Glenstone Wealth Management

Understanding the importance of key person insurance for business owners https://buff.ly/4dIoWG1

There is never a ‘right’ time to start thinking about retirement but the earlier you can start the better. With our help you can start to build the right strategy towards achieving your goals. Read our guide to find out more. https://buff.ly/3Xu5cAl

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: https://buff.ly/3UxLNeR

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

Glenstone 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).

SJP Approved 15/04/2024

Just arrived in the office and got told I had a parcel …
Absolutely amazing clients thanking me for just doing my job .
That thank you card means the world to me .

Are you ready for the new tax year? Now is a great time to start planning to take full advantage of the reliefs and allowances available to you before the next tax year end. Download our checklist today to make sure you are taking full advantage. https://buff.ly/3YBjsrH

What does a UK Election mean for investments? https://buff.ly/3WXQTUA

Why income protection is more than just a safety net ?

At a glance
Income protection offers the peace of mind that your home, family and lifestyle aren’t affected if you’re unable to work because of illness or injury.
Proper income protection also means you won’t be using tomorrow’s money to cover today’s expenses – so you protect your savings and stay on track for the future.
Loss of earnings due to illness isn’t uncommon, so it’s worth talking to a financial adviser to see how income protection can help protect the financial wellbeing of your family.
Is it worth getting income protection?
Income protection insurance pays a regular monthly amount if you can’t work because you’re unwell, or suffer an injury that results in a loss of earnings. Knowing that, if you suddenly couldn’t work, the mortgage and bills would still be paid, can take a real weight off your shoulders, and mean you don’t need to put your future plans on hold.

Many of the workforce would receive some sick pay benefit from their employer. But for the UK’s 4 million self-employed workers,1 protecting their family, home and lifestyle if they can’t work could mean dipping into their long-term savings to keep afloat. An income protection plan isn’t just a safety net for the immediate expenses, it also protects your savings and investments.

Taking out income protection insurance might mean you don’t need to put money aside in an emergency cash fund as well – so you could choose to invest that money instead in your pension, or into a Junior ISA for the children.

How income protection protects your future, as well as your present
Long-term serious conditions can force you into some difficult decisions. Without an income protection plan in place, a sudden loss of your wages could have far-reaching effects on your financial stability in the future. You may have to choose between paying the electricity bill, or school fees, or making your regular contributions to your pension and investments.

What do income protection policies cover?
In the past three years, 8% of workers had two months or more off work due to physical illness, injury, and 6% had more than eight weeks off due to a mental-health event, according to a report by insurer LV=.2 Almost half said they’d fall back on savings to get them through a period off work, yet 4 in 10 said they had less than three months average household outgoings in their accounts.

Income protection will cover between 50% - 75%% of your monthly wage if you can’t work, according to Unbiased3 , acting as a replacement salary to help cover your outgoings. This means you can keep more of your savings and investments intact, so they can continue to earn interest or returns.

Money issues and mental health are closely linked. Almost one in five (18%) people with mental health problems are in problem debt according to Money and Mental Health4 Income protection will pay out for claims related to mental-health issues, so the weight of money worries is lifted from the shoulders of those recovering.

In the past five years, Aviva, one of the UK’s largest income-protection providers, paid out £5.37 billion in individual protection claims,– and 24% of claims related to a mental-health condition in 2023, the second most common reason.

Read the full article here https://buff.ly/4bkPzzo

We know that family is the most important thing in your life. So, it’s good to know that, with the right advice, transferring wealth to loved ones can be easy – as well as rewarding.

Whether it’s helping your children onto the housing ladder, contributing to your grandchildren’s savings pots or a parent’s care fees, we can help you share your wealth whilst you’re still able to see the joy that it brings.

Plan for tomorrow, enjoy today. Contact us now for a no obligation chat: https://buff.ly/3UxLNeR

Glenstone 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).

SJP Approved 23/06/2023

Five pension considerations for directors

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Setting personal goals and making them happen

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Improve your financial wellbeing – five top New Year’s resolutions

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The end of the tax year is fast approaching and it's even more important this tax year that you make the most of valuable reliefs and allowances available to you. That's because in the Autumn Statement, the government announced a clampdown on tax breaks for investors. Download our guide to find out how we can help you navigate this here: https://buff.ly/4aJw6Zu

I would like to express my heartfelt gratitude to all my clients for their business ,trust and loyalty. It is because of your continuous support that I have been able to achieve the honor of being listed as a top-rated advisor for the year 2024. This recognition will be published by prestigious newspapers like The Times, The Telegraph and The Mail on Sunday.

I want to take this opportunity to thank each and every one of you for your invaluable trust and confidence in my services. Your belief in me has been instrumental in my success, and I am truly grateful for that.

As the year comes to a close, I would like to wish you all a joyous and peaceful holiday season. May this festive time bring you happiness, good health, and prosperity. It is my sincere hope that our professional relationship will continue to thrive in the coming year.

Once again, thank you for choosing me as your advisor. Your support means the world to me.

Are you truly financially well? Take a moment to reflect on your current situation. Do you have a clear Will that reflects your vision and wishes for your loved ones? Are you protected against potential lawsuits or unfair claims? Do you have enough cash as a buffer for unforeseen circumstances? These questions might make you realize areas where you can improve your financial wellness.

But don't worry, we're here to help! Our Financial Wellness Scorecard can assess your current status and provide valuable insights. It covers categories like income, wealth, succession, and protection. By answering a few simple questions, you'll gain a better understanding of your financial health.

Take the quiz now and uncover areas where you can enhance your financial well-being:
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Remember, it's never too late to make positive changes and secure a better future. Start your journey towards financial wellness today![ https://buff.ly/484ONVU ]

Building good money habits in 2024

read here: https://buff.ly/3uXtFCj

The end of the tax year is fast approaching and it's even more important this tax year that you make the most of valuable reliefs and allowances available to you. That's because in the Autumn Statement, the government announced a clampdown on tax breaks for investors.

Download our guide to find out how we can help you navigate this: https://buff.ly/46XiE0O

Don’t leave your family an avoidable IHT bill

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https://partnership.sjp.co.uk/article/detail/sjpp/dont-leave-your-family-an-avoidable-iht-bill.html?partner=danieletuveri