ISAs or to use the full name, Individual Savings Accounts, have been around for 20 years. So, there is a fair chance you could have one or more ISA accounts, especially if you are used to shopping around for good deals and understand the great tax benefits ISAs offer. However, if you are thinking about moving your savings from an existing ISA to another, please get financial advice first and don’t just cash in your ISA.

As the saying goes, “in this world nothing can be certain, except death and taxes.” We can’t do anything about the former, but we can help you when it comes to your tax affairs, using sound financial planning, particularly Inheritance Tax planning.

We know its hard to juggle your money between the bills, having a social life, bringing up the kids and so on, not the mention having the time to think ahead. Especially when it feels like there are decades between now and your retirement. But you do need to think about your pension because if you leave it too late, it is going to cost you dearly to make up for lost time.

Do you wonder what your financial future will look like? Do you wish you knew what to do now, in five years, 10 years and 20 years’ time to make sure you have the money you need to have a happy life and a comfortable retirement?

Security cannot be underestimated and feeling safe about your home and future is an important part of living a happy and fulfilled life.

The Cancer Research UK website states that 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. Their site also has some good news and that is 50% of people survive cancer for 10 or more years. However, during those years how would you survive financially?

Providing for loved ones is always a major concern in family life and life insurance will help to protect them in the very worst case scenario.

Research from Santander shows that if a borrower took out a £200,000 mortgage over 25 years, and paid back an extra £10 per month they could save £1,146 in interest* and become mortgage-free four months earlier. If the borrower overpaid £100 each month on the same mortgage amount and term a saving of £9,948 in interest could be saved and the borrower could be mortgage free three years sooner!

No-one wants to get a phone call saying that a key person in their business is seriously ill, or even worse, has died.

What is really, really important to you? What’s non-negotiable?