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Get the most from your ISA before April 2021

By | Financial Planning | No Comments

The end of tax year is fast approaching (April 5th 2021) and marks an important moment when various tax allowances refresh. Failing to make the most of them could represent hundreds – if not thousands – of lost pounds, so it’s worth taking stock of your own case. In particular, are you making the most of your ISAs (individual savings accounts)? In 2020-21…

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How a financial adviser helps at each stage of life

By | Financial Advice | No Comments

Our financial goals and needs usually change as we get older. Each stage of life brings distinct challenges and opportunities as we seek to bring greater control to our finances. Yet how do you navigate the transitions to each stage of life successfully – particularly when it comes to your wealth? Here at Elmfield in Padiham, Burnley, Lancashire, our financial planners believe…

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How might negative interest rates affect investors?

By | Savings & Investments | No Comments

If you’ve never heard of negative interest rates before, you’re not alone. For many years, such an idea has remained exactly that amongst economists – an idea which could work in theory, but perhaps not in practice (similar to how scientists typically regard faster-than-light travel). Yet the idea of negative interest rates has recently been tried by economies such as Sweden, Japan and even the European Central Bank (ECB)…

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Life insurance FAQs in October 2020 – some answers

By | Protection | No Comments

In 2020, financial protection has increasingly gained public attention in the wake of coronavirus. Many people are understandably worried about their health, jobs and income – wanting to make sure their loved ones have access to maximum financial stability should the worst happen. Life insurance is particularly important in this respect – providing a much-needed lump sum to your surviving family members…

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