It’s natural to want to give younger members of your family a leg up financially. We all know how expensive life can be, especially at certain times – whether that’s studying or buying a house. Parents and family often do what they can to help children, with many choosing to set aside money for their […]
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In the Autumn Budget in October 2024, Chancellor Rachel Reeves decided not to make any changes to Individual Savings Accounts (ISAs). However, the 2024-25 tax year had already seen the introduction of some ISA reform, announced by her predecessor Jeremy Hunt a year earlier. This article looks at the current state-of-play for the tax-efficient savings […]
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Saving into an Individual Savings Account (ISA) is a great way to grow your money while maximising your tax-efficient savings potential. Two popular choices are cash ISAs and stocks and shares ISAs. This article delves into the differences between the two. A cash ISA is much like a traditional savings account, with interest paid on […]
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Investing or saving into an Individual Savings Account (ISA) is a simple way to boost your earnings as tax-efficiently as possible. There are rules, however, that you need to bear in mind in order to protect your ISA’s tax-efficient status. One area in which special care should be taken relates to transfers. This post explains […]
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The majority of us in Britain appear to be embracing fintech (financial technology) in our daily lives through the use of online banking, money apps and contactless payments. In fact, a survey1 has found that the level of fintech adoption has increased considerably over the last couple of years, with 86% of us now using […]
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As published in the Top Rated Financial Adviser Guide in The Times newspaper, we are delighted to announce that, for the third consecutive year, Sandringham has been awarded the prestigious Top Rated Large Firm Award by specialist review site, VouchedFor. VouchedFor is the UK’s leading ratings service for financial advisers. To be listed as Top […]
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The pandemic has shone a light more than ever on money worries that people may have and how important it is to get the right support. This week is Talk Money Week, highlighting the importance of talking about your finances. Why is it important to talk? Research shows that people who talk about money: feel […]
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The central theme of Chancellor Rishi Sunak’s Autumn Budget was greater investment in UK PLC as part of the government’s long term economic plans and priorities. This included £11.5 billion investment in 180,000 new affordable homes, and a Levelling Up Fund that will mean £1.7 billion invested in local areas across the UK. While some […]
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This week (20-24 September) is Income Protection Awareness Week, a chance to spread the message about the importance of having an income safety net. Although insurance might not be many people’s idea of fun, failing to consider how you will be protected in the event of lost income can cause devastating financial effects. Income protection […]
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For Pension Awareness Week (13-17 September), a survey conducted by the Pensions and Lifetime Savings Association (PLSA)1 has found that almost half of non-retirees (46%) don’t know how much they will receive when they retire. The research also found that a majority of the public (78%) don’t know that the full State Pension is currently […]
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This is the second in our series of blogs in which we investigate the value of financial advice. In the first blog we asked the question, ‘What does a financial adviser do?’ and concluded that there is often a mismatch in the perception of what an adviser does and the reality of our role. You […]
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This is the first of a series of blogs where we investigate the value of professional financial advice, and we start by asking ‘What does a financial adviser do?’ This may sound like a basic question with an obvious answer, but we have found that people’s perception of financial advice is often very different to […]
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