Paul Butler & Partners Financial Planning Ltd

Paid off your mortgage? Time to invest in yourself We all recall those life-changing moments. Meeting your life partner for the first time. Taking your newborn baby home or collecting the keys to your first flat.

Boosting your pension pot before tax year-end Some days you can’t imagine ever retiring. Other days, it can’t come soon enough. But there will be a day when you want to put work behind you. And a rewarding, comfortable retirement is something that takes careful financial planning.

Giving the whole family a head start this tax year-end When you’re in your 40s and 50s, you can sometimes feel like you’re financing three generations, not just one. Many people find themselves caught in the ‘sandwich’ generation, responsible for both their children’s future financial wellbeing and the wellbeing of their parents in later life....

WeekWatch - 04/12/2023 Has the season to be jolly come a bit too early? Global markets ended November in an upbeat mood. The MSCI World index registered its best month in three years, climbing nearly 9%. A similar return for the S&P 500 index represented its seventh best single month of returns in the past 100 years.

Support Paul, Marcus and Allan as they embark on a 1,427 km mystery rally across Europe in support of adults with learning disabilities and mental health concerns. The endurance rally will depart from Hertford on 17th September and will see 6 teams drive across multiple European countries in 4 days, whilst tasked with completing secret challenges along the way. Funds raised during this mystery trip, will be donated to Hertford based charity Mudlarks. Mudlarks offers therapy, training and work experience to 161 adults each week living with learning difficulties and mental health concerns.

https://www.kindlink.com/fundraising/the-mudlarks-community/pbcar1 [kindlink.com]

💡 - We want you to get to know our team better! Whether it’s financial or you’d like to know Paul’s favourite restaurant, drop your questions in the comments below!😀🙌

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🌍🔥 The world is on track for around 3°C of warming, increasing the pressure on world leaders to set detailed policies on how they will mitigate climate change. We must see measures in areas such as green finance, phasing out coal and shifting to cleaner vehicles, says Jim Watson, Professor of Energy Policy at UCL.

We also need clarity about where the outstanding funding to help developing nations tackle climate change will come from, says Danae Kyriakopoulou, Senior Policy Fellow at the Grantham Research Institute on Climate Change and the Environment…

You can read the full article here: https://www.paulbutlerwm.co.uk/article/detail/sjpp/pressure_grows_on_cop26_to_make_climate_policies_work%20.html

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St. James's Place believes that intergenerational wealth management is about how families use their collective wealth to support each other during their lifetimes. Hear from one of our clients about their experience of intergenerational wealth management and the financial plans they have made for their family.

You can watch the full video here:

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Intergenerational Wealth Management - a client's story | St. James's Place Wealth Management St. James's Place believes that intergenerational wealth management is about how families use their collective wealth to support each other during their life...

“Someone is sitting in the shade today because someone planted a tree a long time ago.” – Warren Buffett.What do you think? Do you agree? 🤔

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Global equity markets generally rose last week, as investors processed the US Federal Reserve’s plans to begin tapering its economic support, while the Bank of England (BoE) unexpectedly chose not to raise rates.

It was widely predicted that the BoE would raise interest rates at its regular Monetary Policy Committee (MPC) meeting on Thursday last week in the face of ongoing inflation. These predictions only became more confident after BoE Governor Andrew Bailey said it would have to do something if inflation persisted.

However, in the end the central bank confounded expectations, voting 7–2 to keep interest rates at their record 0.1% low for now.

You can read the full article here: https://www.paulbutlerwm.co.uk/article/detail/sjpp/weekwatch_08_11_2021.html

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🎉 🎉It’s that time again when we share fun facts about our team so you can get to know us a bit better!😊Did you know? Melissa our Office Manager loves spending time with my friends and family, which usually involves trying new restaurants?Which one do you think is her favourite?

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Most parents excel when it comes to teaching safety and good manners, but with money few know where to start. In this talk, Robert takes us through a gamification experience aimed at children to equip them with the essentials of earning money, keeping it, and watching it grow over time.

You can watch the full video here: https://buff.ly/302iSrr

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If you leave your children one thing, make it this | Robert Gardner | TEDxWandsworth Most parents excel when it comes to teaching safety and good manners, but with money few know where to start. In this talk, Robert takes us through a gamific...

There are 11.5 million adults in the UK with less than £100 saved. People tend to adjust their spending to match their salary, so pay increases mean they spend more rather than saving. Learning some simple tricks for money management can help ease the stress of financial worries...

You can read the full article here: https://buff.ly/3woPJSO

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“Don't think of saving money as a punishment. Think of saving money as a lifestyle change and a means to freedom.” – Emily Stroud. What do you think? Do you agree? We're curious to know your thoughts.

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The debate about the merits of active and passive investing attracts a lot of attention in the investment world and some commentators have a clear, almost evangelical, preference for one or the other.

We believe that both have an important role to play. Here we explore the features and benefits of both active and passive, and everything in between.

You can read the full article here: https://buff.ly/3qquUVY

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Evidence is mounting that responsible investing could provide an opportunity to offer sustainable long-term returns.

Responsible investing encourages sustainability in the way companies operate, and sustainable initiatives tend to improve risk management, innovation and operational efficiency.

St. James's Place’s fund managers are committed to engaging with companies to improve their environmental, social and governance practices.

You can read the full article here: https://www.paulbutlerwm.co.uk/article/detail/sjpp/do_you_have_to_sacrifice_returns_to_do_the_right_thing.html

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St James’s Place are committed to integrating environmental, social and governance (ESG) factors into decision-making, to manage risk and identify opportunities. Investing responsibly helps deliver financial wellbeing in a world worth living in.

You can watch the full video here: https://www.youtube.com/watch?v=iP96X7KRzLI

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Our approach to responsible investment | SJP We’re committed to integrating environmental, social and governance (ESG) factors into our decision-making, to manage risk and identify opportunities. Invest...

There’s much greater flexibility when it comes to retirement incomes these days, but there are also a few traps waiting for the unwary.

Our tax situation can suddenly be very different in retirement, with new choices to be made and costly mistakes to avoid.

An adviser can point you in the right direction and ensure you take your retirement income in the most tax-efficient way.

You can read the full article here: https://www.paulbutlerwm.co.uk/article/detail/sjpp/everything-you-need-to-know-about-tax-in-retirement.html

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