Category: news

Guide: How to find purpose and get the most out of your retirement

Retirement might be a chapter of your life you’ve been looking forward to for years. Perhaps you’ve been daydreaming about how you’ll make use of the extra time, or you’ve already planned an adventure to kickstart your life after work.

Yet, for many people, retirement can be a difficult adjustment.

While work often means less freedom, it might provide you with a sense of purpose and a structure to your days and weeks. Suddenly stepping away from a routine you may have followed for decades can be jarring. So, if you feel adrift when you retire, you’re not alone.

Finding a new purpose you’re passionate about could be imperative to your happiness and wellbeing in retirement.

This practical guide offers some ways you could embrace a new lifestyle that balances freedom and purpose, including:

  • Discovering your passions
  • Finding a daily routine that works for you
  • Prioritising your physical and mental health
  • Making time to connect with people
  • Playing a role in your community.

Download your copy of ‘How to find purpose and get the most out of your retirement’ to read practical tips and key areas you might want to consider when you retire.

If you have any questions about how to get more out of your retirement, please contact us.

Blue Wealth update – Here’s the latest news from the Blue Wealth team

The Blue Wealth team

In May, several of the Blue Wealth team enjoyed an early summer holiday.

Rob, Nathan, and Dan have all taken a well-deserved break from their busy working lives to spend time with family.

Read on to find out more…

Dan had a blast on a short city break to London where he met his new nephew!

Dan, his wife Sarah and their two children enjoyed a flying two-day trip to London to meet the newest addition to the family – Dan’s eight-week-old nephew.

The kids loved getting to know their new cousin and the grown-ups enjoyed a few cuddles with the little one.

Despite being short on time, the family also squeezed in a fun trip to London Zoo. Although the summer weather failed to appear – there was plenty of rain – a good time was had by all.

One of the day’s highlights was walking through the “rainforest” and seeing a sloth chilling out overhead while golden tamarin monkeys ran free around them!

The kids were excited about travelling by train and tube, and they now have a long list of places they want to visit in the city.

Dan and his family can’t wait to explore more of London and see their nephew again. And a return visit is definitely on the cards soon.

Rob enjoyed a sun-filled week in Portugal with his family

Rob jetted off for a relaxing half-term week in Quinta do Lago in Portugal, with his family.

They were happy to leave the British summer behind them and every day the weather was perfect – sun-filled blue skies and beautifully warm.

The most memorable moment of the trip for Rob was introducing his son, Jasper, to his first round of golf.

The family would love to return to Quinta do Lago, which was an ideal holiday spot. However, top of the wish list for their next trip is Croatia.

Nathan and his family had a fantastic 10-day stay in Rhodes

Nathan, his wife and their two children flew to the stunning Greek Island of Rhodes in May.

The trip was a real family affair as Nathan’s mother and father-in-law joined them for the first seven nights.

They all fell in love with the unique and beautiful old town, which is full of history and culture.

A highlight of the holiday was a boat trip to Symi island, which included a stop at St George’s Bay with its clear turquoise waters and wild, natural landscape.

The weather was fantastic – a consistent 25 degrees with a refreshing breeze.

Nathan and his family loved their stay on the island so much that they’re already planning a return trip. Next year they’ll be celebrating Nathan’s mum’s 70th birthday in Lindos, a medieval village in Rhodes.

Future holidays might also include a multi-centre visit to Thailand, Cambodia and Vietnam. Nathan has never visited this part of the world and is keen to tick it off his bucket list!

As Inheritance Tax receipts hit a record high, discover 3 ways to pass on more of your wealth to loved ones

happy multi-generational family walking in woods

According to IFA Magazine, the Treasury raised £7.5 billion in Inheritance Tax (IHT) for the 2023/24 tax year. This record-breaking amount represents a 5.6% rise on the previous year.

What’s more, this figure is expected to increase further in the near future, as the IHT-free threshold, known as the “nil-rate band”, is currently frozen at £325,000 until 2028.

There is usually no tax to pay on any inherited wealth that falls below this. Additionally, if you leave your home to your children or grandchildren you could boost your tax-free threshold to £500,000 by using your residential nil-rate band, which is £175,000 (2024/25).

However, your beneficiaries may have to pay IHT – the standard rate is 40% – on any amount of your estate that exceeds these thresholds at the time of your death.

Fortunately, careful financial planning could help you to reduce a potential IHT bill. So, read on to discover three clever ways to avoid your wealth being eroded by IHT and leave your loved ones with as much of your estate as possible.

1. Gift assets to your family during your lifetime

Gifting money during your lifetime could be a helpful way to reduce the size of your estate for IHT purposes. What’s more, you can enjoy seeing your loved ones benefit from your gift.

So, it’s not surprising that this type of gifting has become a popular way for adults in the UK to pass on their wealth. According to the British Retirement Survey 2023, 1 in 10 British adults aged 40 or over have made a substantial gift of this kind during the last three years.

Here are three useful ways to gift money to your family during your lifetime:

  • Annual exemptionYou can give away gifts worth up to £3,000 each tax year (2024/25) without them being added to your estate. If you have unused annual exemption from the previous tax year, you can carry this forward for one year. You can also choose whether to use your exemption on one person or split it between several.
  • Small gift allowanceYou can give an unlimited number of gifts worth up to £250 each tax year. However, you can’t make a small gift to anyone who you have used another gifting allowance on.
  • Gifts for weddings and civil partnerships You can give a tax-free gift to someone who is getting married or starting a civil partnership. The amount you can give depends on your relationship to the recipient. For example, in 2024/25, you could gift up to £5,000 to your child without incurring tax, but only £2,500 to your grandchild or great-grandchild, and just £1,000 to any other person.

An underused yet potentially valuable option is to give “gifts out of surplus income”. According to the Telegraph, only 430 families used this IHT tax break in the 2021/22 tax year, and yet, it could allow you to provide potentially uncapped and ongoing financial support to your family.

To qualify for this exemption, your gifts must be regular payments from income (not capital), and you must be able to maintain a reasonable standard of living while you’re making the gifts.

Beyond the exemptions outlined above, your beneficiaries may have to pay IHT on any gifts you make within seven years of your death. So, if you’re considering using gifts to help reduce a potential IHT charge, it may be sensible to do this sooner rather than later.

2. Boost your pension and pass it on to your loved ones

Your pension may be one of your most valuable assets and it can be a tax-efficient way to pass on your wealth.

This is because money held in a pension is usually considered outside your estate for IHT purposes.

So, if you have other assets to draw on for a retirement income, it might be worth preserving your pension to pass on to loved ones.

You might even choose to increase your pension contributions to bolster the sum you can pass on.

It’s worth bearing in mind that your chosen beneficiary may need to pay Income Tax at their nominal rate when they access your pension. However, this could still be less than they might pay in IHT if you pass your wealth on to them outside your pension.

3. Consider donating some of your wealth to charity

Leaving a charitable donation in your will could not only allow you to support an important cause, but it could also offer IHT benefits for you and your loved ones.

Any money you leave to a UK-registered charity will be free from IHT. So, donating to a good cause could potentially reduce the total amount of your estate on which IHT is payable.

Additionally, if you pass on at least 10% of your taxable estate to charity, the IHT rate your beneficiaries will pay on anything above the threshold will reduce from 40% to 36%.

A financial planner can help you navigate these complex rules and create an estate plan that allows you to pass on your wealth as tax-efficiently as possible.

Get in touch

If you’d like to create an estate plan that allows you to reduce a potential Inheritance Tax bill and pass on more of your wealth to loved ones, we can help. Please email or call us on 0117 332 0230.

Please note

The content of this newsletter is offered only for general informational and educational purposes. It is not offered as, and does not constitute, financial advice.

Blue Wealth Ltd is not responsible for the accuracy of the information contained within linked sites.

Blue Wealth Ltd is an appointed representative of Best Practice IFA Group Ltd, which is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate estate planning.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.

The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts.

Workplace pensions are regulated by The Pension Regulator.

Blue Wealth update – Here’s the latest news from the Blue Wealth team

People playing golf on grass under blue skies

In April, we held our annual golf day, which was a huge success and thoroughly enjoyed by all who attended.

Read on to find out more about the event and Rob’s Easter holiday in Cornwall.

Our annual golf day was a roaring success

We held the Blue Wealth annual client golf day on Thursday 18 April at Bristol and Clifton Golf Club – an excellent venue with a beautiful, immaculately tended, mature parkland golf course.

Fortunately, the weather was good all day, as can be seen from the pictures – nothing but clear blue skies and sunshine.

We were delighted to welcome more than 30 guests to the event, which kicked off at 8 am with bacon rolls and coffee. Some eager participants even squeezed in a little extra practice before the first tee-off at 9 am.

It was an excellent day of play, with Nick Hendy winning on count back and Garth Bennet – last year’s winner – matching his record and winning closest to the pin. Patrick Jones, who travelled from Essex that morning, won longest drive!

We rounded off a full day of action with an excellent two-course dinner, good conversation, and plenty of laughter.

This annual event is a fabulous opportunity to connect with our clients, colleagues, and partners. We were especially pleased to have Laura from our chosen charity, Mothers for Mothers, in attendance.

This is an incredibly important organisation that offers maternal mental health and wellbeing support to women, birthing people, and their families in Bristol, North Somerset and South Gloucestershire.

We’re very proud to have raised more than £1,500 for charity and would like to thank all those who attended in support of this valuable cause.

We look forward to welcoming you back – and seeing some new faces – next year!

Rob enjoyed a family staycation in Cornwall

Rob and family braving the coastal winds in CornwallIn April, it was Rob Bowers’ turn to take a break from the office.

As the founder and managing director of Blue Wealth, Rob is kept pretty busy at work. While he loves running the business, an Easter getaway to Cornwall provided some much-needed relaxation and precious family time.

Unfortunately, the weather wasn’t quite as kind to the Bowers family as it was to us on the annual golf day. But Rob, his wife, and their two young children braved the storms and had a blast on the beautiful yet breezy Cornish coast.

5 top retirement planning tips to help you feel more confident about your financial future

Middle-aged woman looking at finances on laptop

If your life is busy and you’re constantly juggling competing commitments, it might be easy to push matters such as retirement planning to the bottom of your to-do list.

And yet, the confidence you feel in your financial future could significantly affect your financial wellbeing and overall mental health.

Unfortunately, the current economic climate of “sticky” inflation and higher interest rates might contribute to feelings of uncertainty about your financial security.

Indeed, research published by This is Money has revealed that half of adults in the UK are worried that their pension savings won’t be enough to last them through retirement.

So, if you’ve been putting such concerns to the back of your mind, Mental Health Awareness Week in May and Wellness Day in June present a great opportunity to bump your financial and mental wellbeing to the top of your list of priorities.

Read on to discover five top tips for retirement planning that could help you feel more confident about your financial future.

1. Consider when you want to retire

Deciding when you want to stop working is an important first step towards ensuring that you have enough money to fund your retirement.

Your retirement age combined with your life expectancy will affect how long your retirement funds need to last.

According to the Office for National Statistics’ life expectancy calculator, a man aged 50 today has a life expectancy of 84 years, and a 50-year-old woman could expect to live to 87 years old. However, there’s a 1 in 4 chance of both living into their 90s.

So, imagine that you retire at 55 and live until you’re 95. Based on your current financial plan, are you likely to have enough income to fund the retirement lifestyle you expect for 40 years? If not, you may need to reconsider your retirement age or adjust your financial plan.

It might also be helpful to consider when you could access your pensions.

The State Pension Age – which is the earliest you can claim your State Pension – is currently 66 for men and women, but for those born after 5 April 1960, it is gradually increasing.

However, you can usually access any workplace or private pensions from the normal minimum pension age of 55 (rising to 57 from 6 April 2028). So, if you want to retire when you reach 50, you would need to draw on assets other than your pension for an income.

2. Calculate how much retirement income you might need

Once you’ve decided when you want to retire, it might be helpful to think about what you want to do in your retirement.

Have you been dreaming about extravagant holidays or buying a second home? Or are you impatient to buy a new car? Aligning your retirement wish list with your financial plan could help ensure you have the income you need.

It’s also worth considering how your spending may change during your retirement. The “retirement smile” suggests that your spending might be higher at the start of retirement as you rush to fulfil your dreams, before dropping as you settle down, then increasing again in later life as extra costs, such as healthcare, arise.

This might seem complicated. Fortunately, a financial planner can help by using cashflow planning to give you a clear understanding of your retirement income needs, factoring in changes in spending habits, inflation, and so on.

Read more: How a financial planner could help you enjoy a long and happy retirement

3. Take stock of your pension savings

Over the course of your working life, you might have accumulated significant pension savings that could be a valuable asset in your retirement.

And yet, according to research by Standard Life, 75% of UK adults don’t know how much is in their pension pot.

A financial planner can help you take stock of your pension savings, understand how much State Pension you might be entitled to. They may also be able to help you locate any pensions you might have lost track of as you moved between employers.

They can also offer guidance on how to make the most tax-efficient use of your pension benefits, whether you intend to draw a retirement income from them or pass them on to loved ones after you’ve gone.

4. Review other potential sources of income

Once you’re on top of understanding your pension assets, it’s time to consider any other potential sources of income you might want to draw on in retirement.

These might include:

  • Cash savings
  • Tax-efficient savings held in an ISA wrapper
  • An investment portfolio
  • Income from property
  • Part-time, freelance, or consultancy work.

If you plan to continue working after you retire, you might want to give careful thought to when you start drawing flexibly from your pension, as this could trigger the Money Purchase Annual Allowance (MPAA).

The MPAA reduces your future tax-efficient pension contributions to £10,000 each tax year. This is significantly less than the £60,000 Annual Allowance that most people enjoy – your Annual Allowance may be lower if your income exceeds certain thresholds.

Indeed, there’s a lot to consider when planning for your retirement, so you may benefit from seeking professional financial advice.

5. Speak to a financial planner

If you’re feeling anxious about planning your finances to support the retirement you want, a financial planner can help restore your confidence by providing objective guidance based on data and experience.

They can work with you to create a bespoke financial plan that fits your unique circumstances and retirement goals.

Get in touch

If you’d like to create a long-term plan that helps you feel more in control of your finances, we can help. Please email or call us on 0117 332 0230.

Please note

The content of this newsletter is offered only for general informational and educational purposes. It is not offered as, and does not constitute, financial advice.

Blue Wealth Ltd is not responsible for the accuracy of the information contained within linked sites.

Blue Wealth Ltd is an appointed representative of Best Practice IFA Group Ltd, which is authorised and regulated by the Financial Conduct Authority.

Please do not act based on anything you might read in this article. All contents are based on our understanding of HMRC legislation, which is subject to change.

The Financial Conduct Authority does not regulate estate planning, cashflow planning, or tax planning.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.

The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts.

Workplace pensions are regulated by The Pension Regulator.

Guide: 7 valuable behaviours for successful investing

How do you grow your wealth when you’re investing? Choosing the “right” investments is just one of the ingredients needed for success. Indeed, your mindset and behaviours could have a much larger effect on the outcomes of your investments than you might think.

Your approach to investing could influence the decisions you make when you start building your portfolio, such as how much risk you take. It could also play a role in how you respond to market movements, which may have a knock-on effect on the long-term returns of your portfolio.

So, as well as considering which investments could help you reach your goals, you might also want to review your behaviours and the impact they could have.

This useful guide explains how some behaviours, such as being patient or staying calm during market volatility, could have a positive effect on your wealth.

Download ‘7 valuable behaviours for successful investing’ now to read more about the behaviours that might lead to improved investment outcomes.

If you have any questions about your investment portfolio or how investing could fit into your wider financial plan, please contact us to arrange a meeting.

Blue Wealth update – Here’s the latest news from the Blue Wealth team

The Blue Wealth team

Towards the end of last month, Rob and Dan were excited to represent Blue Wealth at the Professional Adviser awards in London.

Meanwhile, our Technical and Financial Planning Support Manager, Nathan Jones, celebrated his birthday.

Read on to hear more from Rob, Dan, and Nathan …

Rob and Dan got suited and booted for the annual Professional Adviser Awards

In our February team update we shared the fantastic news that Blue Wealth had been shortlisted for Adviser Firm of the Year (South West and Wales) in the prestigious Professional Adviser annual awards.

These awards recognise the best financial firms and product providers in the UK, based on their performance over the last 12 months. They are invaluable to the financial services profession and Blue Wealth as they provide continued recognition of high-quality work.

On Wednesday 20 March, the evening Rob and Dan had been waiting for arrived – the awards ceremony in London.

The evening was held at the impressive Grade-II listed corporate events venue, The Brewery, in East London. It was attended by a wide range of sector professionals including advisers, providers, and fund managers.

Although they didn’t return home with an award this time, the highlight of the evening for Rob and Dan was seeing the Blue Wealth name up in lights. They also loved sharing a table with their peers – seeing some familiar faces and making new contacts.

The duo have their sights set on returning to the event in 2025 and hope to win an award in recognition of the Blue Wealth team’s exceptional work.

Nathan celebrates his birthday with a weekend away at the races

Nathan turned 45 on 21 March and he celebrated in style by taking a group of friends to Newbury races.

After a successful day watching the horses – Nathan had a big birthday win! – the group enjoyed an evening out and an overnight stay.

We asked Nathan what his favourite birthday memory is. He had plenty to choose from, including his most recent celebration. But top of the list was an overnight stay in Marlow with his wife, Vic, where they enjoyed a fantastic dinner at Tom Kerridge’s eatery, the Hand and Flowers, which was the first pub to receive two Michelin stars.

Nathan is now looking forward to a clothes shopping trip with his birthday money, which has become something of an annual tradition.

5 simple ways to reduce financial stress and feel happier

Stressed older woman looking at financial paperwork

April is Stress Awareness Month, which aims to raise awareness of the causes and potential coping strategies for feelings of stress. So, it’s an ideal time to get to grips with your anxieties about money.

Feeling overwhelmed by financial concerns and constantly worrying about money can be exhausting and it may affect your ability to enjoy life.

Whether you’re anxious about funding your retirement, or confused about how best to protect your wealth, taking practical steps to tackle your financial stress could boost your physical and mental health.

Read on to learn five simple ways to reduce your financial stress and start feeling happier.

1. Understand the causes of your financial stress

Identifying the triggers of your financial stress could be an important first step towards feeling calmer and more in control.

There might be many potential causes, such as worries about paying for later-life care or concerns about the performance of your investments if the market is volatile.

A lack of confidence and financial literacy could also be a factor. Indeed, the Financial Capability Survey has revealed that 39% of adults in the UK don’t feel confident managing their money.

To gain a clear picture of what’s causing your financial stress, you might find it helpful to write down your main concerns.

Talking to someone you trust, be that a family member, a friend, or a financial planner, could allow you to explore these concerns in more depth and prioritise which issues to tackle first.

One significant benefit of speaking to an impartial financial professional is that you won’t need to worry about the potential impact of your concerns on their wellbeing, as may be the case if you choose to speak to a family member.

A financial planner can provide a logical perspective based on their knowledge, experience, and the data you share with them.

For example, if you’re anxious about a short-term dip in the value of your investments, a financial planner could help you adopt a long-term view. They might also suggest opportunities for diversifying your portfolio to balance the level of risk you’re exposed to.

Once you have a clear understanding of what’s causing your financial stress, you can start taking action to reduce it.

2. Review your budget and create a financial plan

Understanding your financial situation by reviewing your budget and creating a plan for managing your money in the short-, medium-, and long-term, might help you feel more in control and reduce feelings of overwhelm.

You could start by looking at your income, expenditures, and debt. Are there any areas where you may be able to cut back on spending? Are you saving regularly? Reviewing your budget in this way might ensure that it aligns with your current circumstances and financial goals.

Additionally, creating a long-term financial plan could provide valuable guidance and reassurance. This in turn may reduce stress and allow you to focus on enjoying other areas of your life.

3. Build your emergency fund

Having to find money for an unexpected problem could be stressful. Conversely, building a contingency fund that you can fall back on may provide invaluable peace of mind.

Additionally, having an emergency fund might allow you to avoid or minimise expensive borrowing, such as using credit cards.

Experts suggest saving somewhere between three- and six-months’ expenses, although you may need more if you’re self-employed or your circumstances demand it.

Automating your savings can be a clever way to develop a regular and effortless saving habit. By setting up a recurring monthly transfer from your salary to your emergency fund, you could accumulate a nest egg to cover any unexpected costs that may arise.

4. Make sure you’re well protected

Putting sufficient protection in place to ensure that you and your family are taken care of if the worst happens could help to reduce your financial stress, both now and in the future.

Your emergency fund may cover short-term unexpected costs, but it might not be enough to provide a sustainable income if, for example, you become ill and unable to work.

On the other hand, financial protection tailored to your specific needs could help to pay for ongoing costs such as mortgage repayments, school fees, and other essential living costs.

The type and level of cover you need will depend on your unique circumstances. Life insurance, income protection, and critical illness cover could all provide valuable financial support during times of crisis.

Your insurance needs may also change over time, for example, if you move house or get married. So, it’s worth regularly reviewing your financial protection.

You might benefit from speaking to a financial planner about the options available and how to factor protection into your budget.

Read more: 3 important reasons to properly protect your financial plan

5. Seek professional financial advice

Whether you’re reviewing your budget or seeking out the best type of protection for your family, the choices available could be overwhelming – which may compound your financial stress.

Working with a financial planner can provide you with access to invaluable advice, information, and guidance.

What’s more, research by Royal London has shown that consulting a financial professional regularly might boost mental wellbeing and reduce stress.

Those surveyed said that working with a financial planner helped them feel more in control of their finances, less anxious about money, and more financially secure and stable.

Get in touch

If you’d like to create a long-term plan that helps you feel more in control of your finances, we can help. Please email or call us on 0117 332 0230.

Please note

The content of this newsletter is offered only for general informational and educational purposes. It is not offered as, and does not constitute, financial advice.

Blue Wealth Ltd is not responsible for the accuracy of the information contained within linked sites.

Blue Wealth Ltd is an appointed representative of Best Practice IFA Group Ltd, which is authorised and regulated by the Financial Conduct Authority.

Note that life insurance plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.

Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation.

Blue Wealth update – Here’s the latest news from the Blue Wealth team

The Blue Wealth team

In March, several of the Blue Wealth team are heading off for family holidays. Here, they share their plans, tell us about their dream holidays and more…

Nathan is jetting off to sunny Rhodes in May

Nathan is looking forward to spending a week with his family on the beautiful Greek island of Rhodes in May.

While he loves his role as Technical and Financial Planning Support Manager at Blue Wealth, Nathan is excited to spend some quality time with his wife and children away from the distractions of their busy day-to-day lives.

Now that his children have reached their teenage years, Nathan anticipates a peaceful flight reading a good thriller novel while his 18-year-old son and 13-year-old daughter keep themselves entertained with their phones and iPads.

However, Nathan’s family are rarely alone when they jet off abroad. They love large family holidays with parents, siblings, cousins, nieces and nephews. So, they’re usually a group of around 13, and Nathan wouldn’t have it any other way!

Every holiday Nathan’s family takes is different. They love all types of getaways, from relaxing beach trips to action-packed adventures. As long as they’re spending time together and creating memories, the Jones family is happy.

That’s not to say they don’t have a favourite holiday memory. All four 100% agree that their 2022 trip to Orlando, Florida was their best family holiday to date.

Visiting Disney World and Universal Studios was an incredible experience. And the trip was extra special as it was the first time the family ventured abroad after the Covid restrictions were lifted.

If Nathan won the lottery, he’d like to take his family somewhere they haven’t explored yet, and Asia is top of the list. In particular, Thailand, Cambodia, and Vietnam.

Happy holidays Nathan!

Sarah and Dan are taking their young family to picturesque Majorca

Sarah and Dan can’t wait to hit the beach and enjoy the sunshine in beautiful Portocolom in Majorca. They went as a family two years ago and have been itching to revisit.

While flying with an eight-year-old and a five-year-old isn’t always easy, luckily, Sarah and Dan’s children are happy to trade snacks and time watching their favourite programmes on their tablets for a little peace.

As soon as the family steps off the plane, relaxation is the order of the day.

From getting out and about to see the sights and experiencing the local restaurants, Sarah and her family enjoy taking a leisurely pace while they’re on holiday. If she gets the chance, Sarah enjoys losing herself in a crime novel while she soaks up the sun.

Sarah and Dan’s favourite family holiday was to Marbella in 2023. They rented a villa with friends – who have children of a similar age – just two doors down from some other friends lucky enough to live there.

This was a perfect arrangement as all the kids could play together, and all three families could easily meet up as a group as and when they wanted to.

If Sarah won the lottery, she’d take her family to a five-star hotel – which could be anywhere in the world – that offers plenty of activities to keep the children entertained.

But for now, Sarah and Dan are very excited to return to Portocolom with their family.

Join us for lunch and a round of golf on our annual golf day

Finally, we’d like to remind you about our annual golf day on Thursday 18 April at Bristol and Clifton Golf Club. A light buffet lunch will be served before play in the afternoon and it’s always a fantastic day out.

Please email to register your interest.

Guide: 10 things you can learn about your financial plan from these ABBA hits

In April 1974, a Swedish foursome took to the stage at the Eurovision Song Contest. Performing eighth on the night, ABBA introduced themselves to a global audience, romping to victory with their hit ‘Waterloo’.

In the intervening five decades ABBA – made up of Agnetha Fältskog, Anni-Frid Lyngstad, Björn Ulvaeus, and Benny Andersson – has become one of the world’s best-selling and most enduring artists.

To celebrate five decades of fantastic Swedish pop, this guide looks at what you can learn about managing your money from 10 iconic ABBA songs. From focusing on your long-term goals so you can have the “time of your life” to the importance of balancing risk when you “take a chance” on investing, you might be surprised at the lessons you could learn.

Download ‘10 things you can learn about your financial plan from these ABBA hits’ now to find out more about ABBA and what their catchy lyrics could teach you about managing your finances.

If you’d like to arrange a meeting with us to talk about your financial plan, please get in touch.