Kennedy Independent Financial Advice Ltd.

Kennedy Independent Financial Advice Ltd. We understand how complicated money can be, so we'll help you to take control.

We'll work with you to find out what you want your future to look like and create a financial plan to help you get there.

Critical illness is a type of insurance where, perhaps more than with any other, proper advice is essential at the appli...
15/03/2023

Critical illness is a type of insurance where, perhaps more than with any other, proper advice is essential at the application stage.

Why? Because the world of critical illness insurance really is the world of small print. Although I have to say that, in fairness to the big insurers, they are human beings (most of them) and they are very good at paying out.

Find out how it works in my latest post: bit.ly/3ZbMFH8

A client was unexpectedly rendered unable to work lately, when he was struck down, and had to be confined to his bed, by...
08/03/2023

A client was unexpectedly rendered unable to work lately, when he was struck down, and had to be confined to his bed, by a serious illness.

Luckily, this man had previously asked me to sort him out with the insurance that protects your family from the loss of your income, if you fall seriously ill. His critical illness policy, which in his case was set to provide a tax-free payment sufficient to pay off the remainder of the mortgage, took care of a serious burden, at what would otherwise have been a very difficult time.

Read more in our latest article: bit.ly/3ZbMFH8

It was a life-changing moment that would have sent my client into financial hardship, had it not been for his critical i...
01/03/2023

It was a life-changing moment that would have sent my client into financial hardship, had it not been for his critical illness protection.

One day he woke up in the morning feeling as right as rain; just five hours later his wife was on the phone for an ambulance.

This client is one of the many who have benefited from having critical illness protection.

This type of insurance policy provides a lump sum payment if you're diagnosed with a critical illness such as cancer, heart attack or a stroke.

This article examines how my client's life changed after his diagnosis, and how his payment saved his bacon.

http://bit.ly/3ZbMFH8

I'm grateful to my client for letting me share his story, and hope it gives you comfort too.

A better answer could be to save into a Lisa, and get that 25 per cent government top-up on savings for your retirement ...
16/02/2023

A better answer could be to save into a Lisa, and get that 25 per cent government top-up on savings for your retirement – and when you reach 60, all the money you withdraw is totally tax-free, compared to getting just 25 per cent of your money tax-free from a pension.

Worth thinking about? We have other amazing tricks we can do involving Isas.

Take a look at our latest post: http://bit.ly/3HiQ9jr

Or give us a ring to learn more: 028 7188 6005.

Fail Friday fell on 20th of January. This is when most people break the promises they made at the beginning of the month...
08/02/2023

Fail Friday fell on 20th of January. This is when most people break the promises they made at the beginning of the month.

If this was you, don’t worry, you are not alone!

We have an article that tells you about the principal savings options that could get your financial plans back on the rails for 2023.

Take a look here: http://bit.ly/3wIvaC0

Or book a call with us directly: https://bit.ly/3PTfL9a

This is the time of year to think about servicing or opening your first Isa, with the next annual Isa savings allowance ...
31/01/2023

This is the time of year to think about servicing or opening your first Isa, with the next annual Isa savings allowance of £20,000 due to arrive on April 6th.

So this week, we’re giving you a rattle bag of interesting thoughts in and around the Isa.

First we race through the Isa types, to refresh our memories and let you know what you can get.

The variety is amazing – it’s the financial equivalent of a box of Quality Street, and if you just got queasy when I said that, you have nobody to blame but yourself.

Take a look here: http://bit.ly/3HiQ9jr

Pension savers are losing £1.7 billion, because they act without financial advice when accessing their pension savings.T...
12/01/2023

Pension savers are losing £1.7 billion, because they act without financial advice when accessing their pension savings.

These are the findings of a new report Converting pension pots into retirement incomes: Are current roads delivering member value? by HSBC Tomorrow Master Trust.

Take a look at our latest post to find out more: https://bit.ly/3YCRw4p

02/01/2023

We'd like to wish you all a very Happy New Year!

We look forward to seeing you again in 2023.

🥳🍾🎉

You think he'd be busy with other things, but this week Rudolph the reindeer gave me a ring in a bit of a panic.He wante...
23/12/2022

You think he'd be busy with other things, but this week Rudolph the reindeer gave me a ring in a bit of a panic.

He wanted to know about his options for retirement.

First I told him about the basic state pension. Santa’s not a great payer, despite the size of the company, so Rudolph is on the basic marginal rate.

I was able to reassure him that the triple lock protects the income that retirees receive through the state pension from inflation.

Take a look at our latest post to find out what else I told him: https://bit.ly/3FfXyAq

Happy Christmas!

20/12/2022

Happy holidays everyone!

We look forward to seeing you in 2023

Ho ho ho

A recent survey concluded that many workers are pausing their pension contributions: the research found that 9 per cent ...
12/12/2022

A recent survey concluded that many workers are pausing their pension contributions: the research found that 9 per cent have already stopped, and a further 8 per cent are planning to stop in the next year.

This can have serious consequences.

The pensions company Aegon says that an average-earning 25 year old who stops contributing for a year will have £4,600 less at retirement age.

Bear in mind also that taking time out from pension savings means you miss out on ‘free money’ in the form of tax relief and employer contributions.

Take a look at our latest post for more info: http://bit.ly/3gE19i4

Or get in touch: https://bit.ly/3PTfL9a

Pension savers suffering financially due to soaring inflation and the cost of living drew down a total of £3.6 billion f...
05/12/2022

Pension savers suffering financially due to soaring inflation and the cost of living drew down a total of £3.6 billion from their pensions between April and June this year.

A total of 508,000 people withdrew an average of £7,000 each as they struggled to make ends meet, according to HMRC.

This is an increase of 23 per cent over the same period last year, prompting industry experts to call for measures to help people avoid ‘financial self-harming’.

The industry publication Professional Adviser commented that it is critical ‘to have conversations early to discuss the options and agree a plan.’

Find out more in our latest post: http://bit.ly/3OEl2lT

Or give us a ring on 028 7188 6005.

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Crew
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