Orchard Financial Associates LLP

10/02/2023

🤕 Are you prepared for the unexpected - that 'bump' in the road that happens when you need it least?
❌ Redundancy, illness and divorce do happen and often take you by surprise.
💷 A rainy-day fund of three to six months’ expenses in an instant-access savings account is a really good idea.
✔ As is a financial wellbeing audit. If you want to know what one is - speak to a

03/02/2023

Beware the phrase "It will never happen to me". Protecting your family in the event of life-changing circumstances is one of the best decisions you can make in financial planning. You certainly don't want to be wise after the event. Insurance may not be exciting but it's certainly re-assuring. https://buff.ly/3XFAXU1

30/01/2023

👉 Testimonial "I would definitely recommend David Gee from Orchard Financial Associates. I have found his advice invaluable, great level of service and always goes above and beyond to help me. Importantly he always takes the time to break things down so that I understand the different aspects of what we are looking at. If you're looking for help or financial advice he is well worth talking to."

27/01/2023

Be in ②0②③ with our 3 smart steps. 👣
1. Check for unused tax relief. Some tax reliefs can be overlooked and left unused. For example, you can carry forward unused allowance on your pension from previous years. 👍
2. Take action early. 📆 Although you have until 5 April, leaving tax planning until the last minute can bring unnecessary stress. For example, it could take longer for providers to process transactions if there’s a bottleneck.
3. 📞 Speak to a financial adviser on a regular basis. If nothing else it will drive the other good financial habits like regular savings. By getting in touch, you can get clear, practical guidance. And if things change, we can help you stay on track to meet your financial goals.

18/01/2023

🤔 Should you consolidate your pensions?
💷 As you make your way through your career, and move from job to job, it is likely that you will acquire a range of different pension plans.
📌 Consolidating them may appear attractive. Simplicity and cost being two factors. But it is imperative that you take financial advice before making any decisions.

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Considering merging your pension pots? Find out what options are available and if this is the right option for you.

13/01/2023

and charitable giving means you can make a difference while also putting your money to work as hard as it can. The choice is becoming more popular especially for people who are child free. Thinking about the causes most important to you, and the impact you want to have, is a first step towards implementing your philanthropic vision. Learn more.. https://buff.ly/3QCcCwc

Passing on your wealth to charitable causes

15/12/2022

We all know it’s important to save for your pension. But how much income will you need every year for a comfortable retirement? (Source: Pensions and Lifetime Savings Association, 2022) It pays to start early https://buff.ly/2Xey1Uz

29/11/2022

💷 There are many way to invest money and we talk about them on our social platforms.

😀 But never forget the value of investing in yourself and your own wellbeing. Times are getting tougher it seems and we all work ourselves silly in the lead up to Christmas.

⏰ So can you find a bit more time to invest in yourself..?

08/11/2022

Keeping financial control during the cost-of-living crisis. With most people feeling the impact of rising energy bills, discover how we can help you to navigate the squeeze through smart financial planning.

Keeping financial control during the cost-of-living crisis

31/10/2022

Understanding money and how to use it wisely can start in the earliest school years. We believe in improved financial education to help young people get more money confident

St. James’s Place is making financial literacy a top priority

19/10/2022

♣ Dealing with the financial ‘downs’ of daily life
☹ From redundancy to unexpected tax bills, life is full of challenges that can force you to review your finances and leave you feeling stressed.
💸 When things take a turn for the worse, you may be tempted to raid your pension pot or reduce the amount you’re paying into savings, but this isn’t always the best course of action.
👌 Regular financial reviews can help you deal with dilemmas & safeguard your financial future.

Dealing with the financial ‘downs’ of daily life

09/10/2022

Testimonial. "I have been receiving advice from David for a number of years for pension planning and my various investment bonds. I find the advice provided to be clear, concise and straightforward. He is proactive in ensuring we have regular review meetings so ensure my financial goals are still being achieved and adjustments can be implemented if and when necessary. I certainly would not hesitate to recommend David to anyone seeking a personable and patient financial advisor." 😀