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It’s easy to get stuck in a financial rut: not keeping on top of paperwork, stuffing pension statements away without really looking at them, not reviewing regular premiums, paying the same old direct debit into an ISA... It’s the financial equivalent of coming home and flopping in front of Netflix instead of going for a run.
But there are various regular rule changes that could affect your finances, whether you’re paying attention or not. For example, ISA limits fluctuate every tax year, so are you fully using your allowance for this year? Or, following reductions in annual and lifetime pensions allowances, are you in danger of breaching an allowance? The last thing you want is to incur a tax charge because you’ve been paying too much into your pension without realising.
This is why it’s well worth spending an hour or so getting to grips with your finances – whether that means sorting through your paperwork yourself and making sure everything is current, or working with a financial adviser.
At Ascot Lloyd, our advisers work with people of all ages to conduct a thorough financial review. And much like a personal trainer creating a fitness plan, we also carry out cash flow modelling to assess income needs, salary and investments, and create a long-term plan with key milestones.
So while you’re busy bettering yourself this January, why not with Ascot Lloyd? Whether it’s a one-off review or the start of an ongoing partnership, we’ll help you get your finances in better shape than ever.