Financial Planning with Brighda Thomas

How much risk are you taking with your pensions/investments?
Is it too high, too low, or just right?

Here's a few things to think about in under 3 minutes.

Have a wonderful bank holiday weekend.

Investment Risk (for our pensions and investments) - how much should I be taking? What's the risk level of your pension/investment? Is that too high, too low or just right for you?Things to think about in this 3 minute video.Have a wonderf...

A minimum, moderate and comfortable lifestyle will be different for us all, however some idea is better than none when it comes to future planning.

Interesting read...
https://professionalparaplanner.co.uk/how-to-bring-retirement-income-needs-to-life/

How much of your monthly income should you save towards your retirement? The question is how much can you save.
I'm re-sharing a previous video as now more than ever, we are all trying to priorities where our monthly income goes.
Take a look.
https://youtu.be/6-k9Ls4Zzks

Training complete, ready for my first volunteering shift.
Excited to be joining the amazing St John Ambulance team.

With Blue Monday just past us, this video is just one to share the resources, you're not on your own.
Debt - it can happen to anyone, please talk about it, don't struggle alone.

Debt - How can I get out of Debt? How can I get help with Debt? Debt - it can happen to anyone, please talk about it, don't struggle alone.With Blue Monday just past us, this video is just one to share the resources, you'...

Changes coming in to help protect consumers who don't reach out to an adviser for advice but the below report also stresses that the benefits of seeing an adviser can be huge.

"Research found that taking financial advice on your pensions and investments could leave you nearly £50,000 better off in the space of a decade. A financial adviser can help you to understand how much you can afford to withdraw, how to withdraw from your pension without paying unnecessary tax and how to use other assets and savings to provide an income throughout retirement.”

Retirement: New pension rules come into force in two weeks - what it means for you PENSION holders have been urged to "look closely" at what their pension providers are offering in the coming weeks as new rules are put into place. In two weeks, new regulations from the Financial Conduct Authority (FCA) will force providers to change how they interact with their customers.

How much should you save each month towards your savings/investments/pensions?
What's your true disposable income?
Should savings a little more each month be more of a priority for you?

Monthly Savings - How much should you save towards your savings/investments/pensions? How much should you save each month towards you savings/investments/pensions?What's your true disposable income?Should savings a little more each month be mo...

Have you sorted your *Financial* New Year's Resolution?

Find out how cash plays it's part and how much you should you keep avaliable to help with financial security without holding too much as to jeopardise your goals.

Im here to help you achieve your financial goals, financial security or financial freedom so keep watching.

All the best for 2021!

How cash plays it's part in financial planning. Have you sorted your *Financial* New Year's Resolution?Find out how cash plays it's part and how much you should you keep avaliable to help with financial se...

Looking forward to the otherside of lockdown, but for now, we crack on and deal with things as they come.

January Market Commentary - Cullen Wealth Introduction 2020 has been a year like no other, and yet – as we will see below – the majority of world stock markets have enjoyed a good year. It...

A year like no other!
Find our December Market Commentary here;

December Market Commentary - Cullen Wealth Introduction Is the end of November a time to celebrate? All the stock markets we cover in the Bulletin made significant gains in the month; the UK’s second national lockdown...

Ongoing advice is the key. A transaction may be a part of that, but it's usually a small part. The ongoing, continuous reviewing of your objectives and the planning put in place is what will make the difference.

''Speaking to an adviser multiple times over
ten years gave customers, on average, nearly
50% more in their pension savings than
those who only took advice once.''

Keeping you as up to date as i can whilst the next few days and those final votes will change things again i'm sure.

https://www.cullenwealth.co.uk/november-market-commentary-7/?dm_i=109K,741LW,UV4MLV,SRARJ,1

November Market Commentary - Cullen Wealth Introduction The end of October brought plenty of bad news for Western economies as scientists stood in front of graphs and talked of ‘inexorable rises’ and ‘exponential increases.’ Unsurprisingly, stock...

Many women have suffered from a State Pension system that was suppose to be automatic in paying the right benefits, but wasn't and many women are now due those funds.

This may apply to you, your mother or your grandmother so have a read and let them know.

https://www.moneysavingexpert.com/reclaim/married-women-missing-state-pension-boost/

Are you one of 10,000s of women missing out on £1,000s of state pension? Tens of thousands of women are likely to have been underpaid the state pension - many could be due £1,000s, some even £10,000s. Married women who hit state pension age before April 2016 are a key group who may be owed, but others – including widows, divorcees and the over-80s, whether married or...

'Pensions dashboard delayed until 2023'

The dashboard seems a simple concept and a needed one, but for now we'll continue to manually help you find those pensions from 'way back when'!

Article by Imogen Tew;
https://www.ftadviser.com/pensions/2020/10/28/pensions-dashboard-delayed-until-2023/?utm_campaign=FTAdviser%20news&utm_source=emailCampaign&utm_medium=email&utm_content=

Pensions dashboard delayed until 2023 The long awaited pensions dashboard will not be available to retirement savers until 2023 with data from providers being the project s main sticking point

Trump or Biden? Does it matter to markets?

A great short article here -

https://www.betafolio.co.uk/blog/2020/10/27/trump-2.0/

Trump 2.0? As if you didn’t know, the US election is fast approaching. Recent national polls seem to suggest that Biden is storming ahead and Trump’s dreams of “Four More Years” of Tweeting “Make America Great Again” from the Oval Office are over.[1] Now, not to be dismissive of these traditional p...

Working from home - Covid 19 - Tax Relief - Claim it!

If you have been forced to work at home due to Covid 19, and your company are not giving you anything towards your costs, you can claim tax relief on £6 week.
The best bit - even if it is for 1 day a week, due to this years complexities, you will be given the full allowance.

I already had my government gateway log in details and it took me 46 seconds! Thats right, i checked, it's just as quick as they say!

Also you can claim a little tax relief for last year as technically it started on 23.03.2020.

See details on Money Savings Experts Blog here -
https://blog.moneysavingexpert.com/2020/04/martin-lewis--working-from-home-due-to-coronavirus--claim-p6-wk-/

Martin Lewis: Working from home (even for part of the week) due to coronavirus? Claim £6/week tax back on extra costs If your employer requires you to work at home, you can – and have always been able to – claim for increased costs due to working from home, eg, heating and electricity.

For this weeks video;

A break from my videos and one brought to you by a provider, tying in with my recent video theme on protection and inkeeping with my 'just a few minutes' rule.

https://vimeo.com/user14855064/review/449332786/6aa3a4fbb0

What is Protection? Join the web’s most supportive community of creators and get high-quality tools for hosting, sharing, and streaming videos in gorgeous HD and 4K with no ads.

We may not be going out to buy Ferrari's as the government once assumed we all would with our pension pots but recent figures, below from FT Adviser, show withdrawal rates are too high to be sustainable. Plan for the future you want as to maintain your chosen standard of living, not to have it diminish halfway through retirement! The state pension is brilliant, but most of us can't and don't want to, live off £760 a month.

For anyone unfortunate enough to be going through redundancy, worried they might be in the future or know someone who is - here's an article i read which might have some helpful information for you.

Article by Caroline Bloor - Finacially Fabulous

Redundancy pay: everything you need to know

https://www.goodhousekeeping.com/uk/consumer-advice/money/a33412143/redundancy-pay/?utm_source=crm&utm_medium=email&utm_campaign=FFB_N_20200923&utm_content=na&utm_term=na&HearstNode=EC1C0D46879157CF521B0D754CC11639A990A23692C48E35FB666404ED781A84

Redundancy: everything you need to know From understanding the process to how pay is calculated, we answer all of your redundancy questions.