ISA Allowance for 2023/24 is expiring

ISA Allowance is Expiring

Time is running out to use your 2023/24 ISA allowance Investing in an Individual Savings Account (ISA) is a tax-efficient, flexible method for future planning. One of the most attractive features of an ISA is its tax benefits. It’s immune to both Income Tax and Capital Gains Tax on any growth within the fund or […]

Tax-saving measures

Tax-saving measures

What actions to review before the 2023/24 year-end? Have you recently evaluated your personal tax situation? Is your tax structure optimised for efficiency? As we approach the end of the tax year on April 5, 2024, have you considered tax-saving measures.  Now provides an ideal opportunity to assess and leverage the various allowances and reliefs […]

How to remove anxiety from your finances!

Remove the anxiety from your finances

Tackling retirement anxieties requires understanding your current financial resources Retirement is often seen as the golden phase of life, a period earmarked for relaxation and pursuing personal interests. However, a recent study has pointed towards an increasing trend of ‘retirement anxiety’, especially among individuals aged over 40[1]. This anxiety stems from both financial and emotional […]

Your Financial Road Map for 2024

Financial Road Map

How to devise a robust plan for wealth accumulation and protection Understanding your financial situation is crucial to achieving both short-term and long-term objectives. With a detailed insight into your finances, you can maximise your assets and devise a robust plan for wealth accumulation and protection. As we enter 2024, let’s explore what to consider […]

What could 2024 mean for investors?

What have we learnt in 2023?

Compared to the noisy worldwide economic and political conditions of 2020-2022, 2023 has appeared to be a more subdued year.  We have become weary of the constant barrage of ‘shock and awe’ directed at us through the media over the last few years. However, despite what the daily newspaper headlines might have you believe – […]

What are your goals and targets for the year ahead?

Goals and targest for the year ahead

As we approach the end of the year, we start to look to 2024 and consider our goals and targets for the year ahead. Your financial adviser maybe approaching you, as we are our clients, about an Annual Financial Review. For us at HSC Financial Advisers, meeting with clients at this time of year is […]

Are you in your 50s and looking to maximise your earnings?

Are you in your 50s and looking to maximise your earnings?

A crucial decade: financial planning in your 50s Maximising your earnings or laying down a robust financial plan As you sail into your 50s, it becomes pivotal to consider your financial strategy. Life has likely found a steady rhythm by now. Children have probably taken flight, becoming financially self-sufficient, and the idea of reducing work […]

Professional financial advice, where’s the value?

Professional financial advice, where's the value?

Making more informed decisions about money leads to better financial health in the long run. We readily trust medical professionals with our health and legal professionals with complex legal matters. Yet, some people hesitate when seeking advice on financial matters. So, why might this be? Where is the value in professional financial advice? Firstly, finance […]

Are you an SME employer looking for the best benefits for your employees?

Are you an employer looking for the best benefits for your employers?

Many SME employers want to offer great benefits but which ones have the biggest impact? As an employer, looking for the best benefits for employees is a key priority to help achieve employee satisfaction. Retirement benefits or pensions are a classically popular type of employee benefit.  Providing employees with a safety net, they are a […]