Greenwood Financial Advice

Thinking about being mortgage-free? The idea of owning your home outright is undeniably appealing. If you're able to, overpaying your mortgage—either monthly or with lump sums—can save you a significant amount in interest over time. But should you do it? Consider this: 🌟Mortgage Rate vs. Investment Returns: If your mortgage rate is higher than potential investment returns, overpaying might be wise. Lowering your loan-to-value ratio could also get you better rates when remortgaging. 🌟Investment Potential: If your expected investment returns are higher, investing might be smarter. For example, pension contributions can offer tax relief and potentially greater growth. Remember, some lenders may penalise overpayments. Discussing your options with a financial adviser can help you make the best decision for your unique situation, reach out to us today. https://lnkd.in/erXfwmwy ☎️ 07915469451 Your home may be repossessed if you do not keep up repayments on your mortgage. The value of your investment can go down as well as up. You could get back less than you invested. Taxation rules can change at any time and are dependent on individual circumstances. Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 23/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice

At Greenwood Financial Advice, we are always delighted to hear from our clients. Your financial well-being is our top priority, and we take pride in providing personalised, professional advice tailored to your unique needs. Don’t hesitate to get in touch – we're here to support you every step of the way. #GreenwoodFinancialAdvice #testimonial #client #happyclient

A rainy-day fund is your financial umbrella for life's unexpected storms. Before diving into investments, it's crucial to have this safety net in place. Aim to save enough to cover three to six months of essential expenses—think food, utility bills, Council Tax, and mortgage payments. Keep this fund in an instant-access savings account, ensuring you can tap into it at a moment's notice. This way, you're prepared for emergencies without having to dip into your long-term investments. Ready to build your financial umbrella? Let's get started! https://lnkd.in/erXfwmwy ☎️ 07915469451 Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 23/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice

It’s time to talk money and break the stigma around financial conversations! 💸 Talk Money Week 2024 (November 4th-8th) is your chance to open up about personal finance, boost your money knowledge, and take control of your future. From budgeting to investing and everything in between, it’s time to get empowered. At Greenwood Financial Advice, we’re here to guide you every step of the way. This year’s theme is “Do One Thing” – so, why not take one small step today? Start that conversation, build a budget, or explore your retirement options. Let’s make money talks less awkward and more empowering! 💬 Ready to take charge of your financial wellbeing? Book a consultation with Greenwood Financial Advice today and start planning for a secure future. The value of your investment can go down as well as up. You could get back less than you invested. #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice #TalkMoney #DoOneThing #FinancialWellbeing Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 23/10/2024

Everyone is unique, with their own dreams, challenges, and financial goals. That’s why we all need a financial plan tailored to our circumstances. Whether you're saving for your first home, planning for retirement, or building a legacy for your family, a one-size-fits-all approach just won't cut it. Your financial plan should reflect your personal situation, ambitions, and values. By understanding your unique needs, we can create a customised strategy that helps you achieve your goals and navigate life's twists and turns with confidence. Ready to embrace your uniqueness and build a financial plan that’s truly yours? Let’s start the journey together and make your financial future as unique as you are. https://lnkd.in/erXfwmwy ☎️ 07915469451 Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 2/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice #financialplan #advice

Your wealth is more than money; it's your legacy. It represents your hard work, your achievements, and the values you hold dear. Ensuring your legacy lives on requires thoughtful planning and a clear vision for the future. Whether it's supporting your family, contributing to causes you care about, or leaving a lasting impact on your community, your legacy should reflect what matters most to you. Ready to take control of your future and create a lasting impact? Let’s work together to build a plan that embodies your values and secures your wealth for generations to come. https://lnkd.in/erXfwmwy ☎️ 07915469451 Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 2/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice #legacy #wealth

Albert Einstein called compounding “the eighth wonder of the world” – and for good reason! It's the secret to turning small investments into more significant wealth over time. By reinvesting your earnings, your money could grow exponentially, working harder for you with each passing year. Start early, stay consistent, and potentially watch your savings soar. Want to harness this incredible power for your financial future? Let's create a plan that makes the magic of compounding work for you! https://lnkd.in/erXfwmwy ☎️ 07915469451 The value of your investment can go down as well as up. You could get back less than you invested. Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 2/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice #alberteinstein #compounding

Set your child up for success with a Junior ISA. The earlier you start, the bigger the impact. Let’s plant the seeds of a secure financial future for your little ones. https://lnkd.in/erXfwmwy ☎️ 07915469451 The value of your investment can go down as well as up. You could get back less than you invested. Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 2/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice #financialfuture #advice

Financial advice and planning isn’t just about money. It encompasses much more than that - hopes and fears, lifestyle and ambitions, security and peace of mind. In that sense, financial advice isn’t so much the vehicle as the roadmap, helping someone get to where they want to go in life. So, investing a bit of time and money in financial advice can play the same role for your financial wellbeing as exercise and a good diet can for your physical health. Ready to start your journey? Let’s chart a course together—contact us today to take the first step toward a secure and prosperous future. https://lnkd.in/erXfwmwy ☎️ 07915469451 Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 23/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice

Embrace the magic of ISAs and watch your money grow without paying any capital gains or income tax to HMRC. Ready to see your investments flourish? Let’s get started today and make your money work harder for you. https://lnkd.in/erXfwmwy ☎️ 07915469451 The value of your investment can go down as well as up. You could get back less than you invested. Greenwood Financial Advice is a trading name of Greenwood Financial Advice Limited. Greenwood Financial Advice Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 2/8/2024 #GreenwoodFinancialAdvice #FinancialPlanning #FinancialAdviser #FinancialAdvice #advic