Goldby Wealth Management

Goldby Wealth Management

Goldby Wealth Management LLP provide holistic, tailored and specific financial planning and advice

20/07/2023

Originally posted by : There is an art to making bad decisions, lately it seems there have been more and more opportunities to make bad decisions.

I decided that it was time to discuss bad decisions as I was hanging out the washing in the rain, the washing was already wet, the rain was patchy and the wind was strong, all in all there was a good chance the washing would end up drier than it started.

To make successful bad decision you have to ask your self what is the worst that can happen and consider if that's something you can accept when you consider what could be the worst outcome of making another decision.

Increasing interest rates put pressure on asset values and create new opportunities to secure guaranteed incomes, we know that the decisions we make won't always be right but we have an opportunity to make sure we know the outcome.

WeekWatch - 26/06/2023 27/06/2023

Your 6-minute update on last week's market news:

Stock Take 📈: You won't escape inflationary pressures anytime soon as the Bank of England raised interest rates to 5%.
Wealth Check 💰: As a business owner, you must regularly reassess your goals and the skills needed to grow.
In The Picture 📸: With still high, any money you've saved in a cash bank account will lose purchasing power over time.

WeekWatch - 26/06/2023 partnership.sjp.co.uk

What makes a good board for a growing company? 22/06/2023

For you to reach the next level in your business journey, you may need to adjust your strategy. This can mean bringing in new skills and capabilities.

But what makes a good board for a growing company?

What makes a good board for a growing company? partnership.sjp.co.uk

WeekWatch - 19/06/2023 20/06/2023

In today's WeekWatch:

Stock Take - Global performed well last week.
Wealth Check - What help can you get if you're looking after an older person?
In the Picture - Our Investment Approach.

WeekWatch - 19/06/2023 partnership.sjp.co.uk

How to deal with rising costs: six ways to boost efficiency 15/06/2023

Faced with difficult market conditions, many SMEs will be looking for cost improvements and efficiencies to help protect their squeezed margins. Here are six ways to keep a lid on costs in your business.

How to deal with rising costs: six ways to boost efficiency partnership.sjp.co.uk

WeekWatch - 12/06/2023 14/06/2023

After being distracted by the banking crises and the US debt ceiling issue over the last few months, are very much back to focusing on the macro factors driving central banks and where interest rates will end up. The challenge for policymakers is that inflation isn't playing ball.

WeekWatch - 12/06/2023 partnership.sjp.co.uk

Financial factors impacting the LGBTQ+ Community 13/06/2023

LGBTQ+ people face unique challenges impacting their earning potential and decision-making around finances. Many factors present issues when it comes to wealth accumulation.

Financial factors impacting the LGBTQ+ Community partnership.sjp.co.uk

Business intelligence for start-ups: how to tell your story in numbers 12/06/2023

Keeping track of key financial metrics such as sales, costs, profit and cash flow, and analysing them regularly, can help you ensure your business is in good health.

Business intelligence for start-ups: how to tell your story in numbers partnership.sjp.co.uk

As Carers Week begins, we answer your FAQs about finding and funding care 07/06/2023

Since most people who own a home or have some savings are required to self-fund their care, carers sometimes assume that they personally aren't entitled to any financial support

As Carers Week begins, we answer your FAQs about finding and funding care partnership.sjp.co.uk

WeekWatch 06/06/2023

In today's WeekWatch:
- Stock Take 📈: the US Congress approved a deal to lift the country's borrowing limit and avert a default on its $31.4 trillion debt
- Wealth Check 💰: Creating a pension for your children could help set them up for future financial wellbeing
- In the Picture 📸: Our flagship production, The Investor, returns for its 116th edition

Recap the week's news here.

WeekWatch partnership.sjp.co.uk

Pensions for children - what you need to know 05/06/2023

Setting up a pension as early as possible means even small contributions have more time to grow, putting your child on the path to future financial wellbeing

Pensions for children - what you need to know www.sjp.co.uk

Employee ownership: Pros and cons of selling your company to your staff 02/06/2023

For SME owners, employee ownership can be a challenging exit option. But an increasing number are finding it worthwhile, as it has substantial attractions for the owner, the staff and the business.

Employee ownership: Pros and cons of selling your company to your staff partnership.sjp.co.uk

How to reduce your Capital Gains Tax bill 01/06/2023

Capital Gains Tax (CGT) is a complicated area of tax-planning and can trip many of us up. It's wise to get your head around CGT and take financial advice, so you don't end up paying more than you need to.

Here's some answers to some of the most frequently asked questions about this often-misunderstood tax.

How to reduce your Capital Gains Tax bill partnership.sjp.co.uk

WeekWatch - 30/05/2023 31/05/2023

In the UK, concerns regarding the US situation and unexpectedly high inflation data led to a decline in the last week. The FTSE 100 and FTSE 250 indices declined 1.7% and 2.6% respectively over the week.

WeekWatch - 30/05/2023 partnership.sjp.co.uk

WeekWatch - 22/05/2023 26/05/2023

Optimism was boosted by news that the world's third-largest grew at an annualised rate of 1.6% in the first quarter of the year, twice as fast as expected, lifting the country out of recession after two straight quarters of contraction in the second half of 2022.

WeekWatch - 22/05/2023 partnership.sjp.co.uk

Paid off your mortgage? Time to invest in yourself 25/05/2023

When you pay off our mortgage, you'll have money that's freed up by no longer having mortgage payments.
Rather than see this money dissolve into household budget or day-to-day spending, consider how powerful it could be.

Paid off your mortgage? Time to invest in yourself partnership.sjp.co.uk

24/05/2023

Feeling overwhelmed by money worries? Whatever your circumstances, there are ways to get through these tough economic times, ease stress and anxiety, and regain control of your finances.

Here are four ways to cope with financial stress.

Do dementia sufferers have to pay care home fees? 23/05/2023

For Action Week we take a look at the higher costs sufferers have to pay for their care, why this affects women more than men and who pays for care.

Do dementia sufferers have to pay care home fees? partnership.sjp.co.uk

WeekWatch - 15/05/2023 22/05/2023

Households are all too familiar with the challenge of paying the bills in the current climate. After last week's further hike in UK interest rates, that challenge will become even greater for some.

WeekWatch - 15/05/2023 partnership.sjp.co.uk

19/05/2023

We all experience financial stress at some point, but it is essential to notice how it may impact your mental health. A great place to start is to be able to recognise the symptoms of financial anxiety.

Preparing for an exit: should you invest in business intelligence? 18/05/2023

If you're selling your business, buyers will want to see as much data as possible to support their offer. Here's how the right tools can help you demonstrate the value of your company to a potential buyer.

Preparing for an exit: should you invest in business intelligence? partnership.sjp.co.uk

How much does private education cost? 17/05/2023

Private can be affordable, providing you plan properly and give yourself as much time as possible to save. In the current economic climate, can you afford to go private?

How much does private education cost? partnership.sjp.co.uk

Should I pay to top up my State Pension? 16/05/2023

Should you top up you state pension?

Should I pay to top up my State Pension? partnership.sjp.co.uk

WeekWatch - 09/05/2023 12/05/2023

"We're closer, or maybe even there." After raising its policy interest rate at a rapid pace since March 2022, Federal Reserve (Fed) Chairman Jerome Powell last week suggested the central bank may have reached the end point of its rate rises.

WeekWatch - 09/05/2023 partnership.sjp.co.uk

Skipton launches deposit-free mortgage aimed at renters 11/05/2023

A deposit-free mortgage specifically aimed at people currently renting has been launched by a UK building society.

Skipton launches deposit-free mortgage aimed at renters www.bbc.co.uk

How to keep staff motivated in a downturn 10/05/2023

Employee morale can nosedive during a recession, so follow these tips to keep your workforce feeling positive and productive.

How to keep staff motivated in a downturn partnership.sjp.co.uk

Eurovision 2023: A guide to every country's song - BBC News 10/05/2023

The Song Contest is back! This year, the event in Liverpool will see 37 countries compete to be crowned champion. There will be metallers in sparkly spandex, pop queens in outrageous outfits and everything in between. If you want to know who to look out for on the big night this Saturday, this is the guide for you 🎤

Eurovision 2023: A guide to every country's song - BBC News www.bbc.co.uk

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Goldby Wealth Management

Goldby Wealth Management LLP 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).

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Worcester

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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