Tweedie & Wyllie Financial Planning As a Financial Planner, one of the huge perks is the opportunity to engage with clients, witnessing the vast array of their unique goals and aspirations. We post an update weekly over on our Instagram page (@tweedieandwyllie) #financialplanning #goalsbasedplanning
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Secure your financial future in your 30s with strategic investment planning. Start exploring smart investment options now to achieve your long-term goals. It's never too early, download our guide to find out how you can begin. https://lnkd.in/ejbZE6iR
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Good morning from Bank Of Scotland. If you are a saver, you may notice your interest rates reducing over the coming weeks and months 📉 . You should be asking yourself the question: 𝐀𝐫𝐞 𝐦𝐲 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬 𝐩𝐫𝐨𝐯𝐢𝐝𝐢𝐧𝐠 𝐦𝐞 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐫𝐚𝐭𝐞 𝐨𝐟 𝐫𝐞𝐭𝐮𝐫𝐧 𝐧𝐞𝐞𝐝𝐞𝐝 𝐭𝐨 𝐠𝐫𝐨𝐰 𝐦𝐲 𝐰𝐞𝐚𝐥𝐭𝐡 𝐞𝐟𝐟𝐞𝐜𝐭𝐢𝐯𝐞𝐥𝐲? Whilst you should keep cash aside for your short term requirements, it may be time to consider asset backed investing in order to achieve your longer term goals. This is where speaking to an adviser can help you understand your short, medium and longer-term goals, and consider the right balance of saving and investing for you.
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I mean you can't get much better than that! I have recently been building up my client reviews on VouchedFor, a platform to leave reviews for Accountants, Solicitors and Wealth Managers. Delighted to have built up over 15 five-star reviews for Cove Wealth Management. Take a look 👇 https://lnkd.in/e8vjJgeX
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A great charity and some excellent exposure to your business. Reach out to Blair MacBride if you are interested!
Marketing & Communications Professional | Non-Profit, Social Care, Hospitality, Tourism & Education | Digital & Non-Digital Multi-Channel Campaigns | Content Management | Stakeholder Engagement
Every year, Age Scotland distributes 15,000 beautiful free wall calendars to older people right across Scotland via our network of community groups and constituencies nationwide. Featuring stunning illustrations and helpful advice on a range of key issues, 2024 was all about nature. Our 2025 theme will be Scottish landmarks. Could your organisation sponsor a month in 2025? You'd be aligning your brand with Scotland's only national charity for older people and helping us cover our printing costs. Every sponsor gets space to add their own messaging and branding and plenty of recognition across our channels plus a space on 15,000 kitchen walls across Scotland. In 2024 we were delighted to work with brands including Scottish Water, Sky and #SkyCares, Society of Later Life Advisers and Motability Operations Ltd. Can we include your company in 2025? Please do comment below, or reach out to me or Blair MacBride if you can offer a little support. Huge thanks.
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Compounding is KEY to growing your wealth over time. So, what is it? In simple terms, it is essentially growth on top of growth. When the money generated by your investments is reinvested, it has the potential to generate its own growth. The longer your money is invested = the greater the benefit will be from compound interest. ↳ Start early. ↳ Invest regularly. ↳ Reap the benefits.
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Did you know that it is becoming common for parents to set up pensions for their new born babies? Yep, a pension! Starting a child’s pension is a tax-efficient way to save for their future and move money across generations. By starting early, even small contributions to a child’s pension have time to grow, with the power of compounding. Let’s explore this in more detail: → A parent or guardian can set this up on behalf of their child. → Anyone can contribute (grandparents, aunts, uncles). → Maximum you can contribute per annum is £2,880 per annum (24/25 tax year). Good news is that your child will benefit from basic tax relief of 20%. So, the government adds £720 basic tax relief taking the total up to £3,600. → Parent manages the pension until the child is 18. →You can pay the money in as a single lump sum or set up a regular savings plan. → Remember, the money will be locked away until later in life. The current age is 55, but it will rise to 57 in 2028. Setting up a pension while your children are young means even small contributions have more time to grow, putting your child on the path to future financial wellbeing. If you are not keen on tying this money up for decades, we can discuss other ways to help save and invest for your child’s future. Would you consider this?
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Have you heard of Seafarers Earnings Deduction (SED)? Last week I had a meeting with a new client who works offshore. His job takes him all over the world and this week he is jetting off to Taiwan. As he qualifies for SED, he is exempt from paying income tax on overseas earnings. This means he can claim 100% tax relief on the amount he earns. Result. He has built up significant savings and investments and wanted advice going forward as he felt like he did not have a strategy when investing. Some key benefits: → I have restructured his investments to save him even more tax. → He will now receive ongoing, face-to-face advice. → Having outsourced his financial administration he will spend less time on his finances and more time on what he enjoys. To top off a great week, I was invited to The Scottish Malt Whisky Society by David Benjamin on Friday. I ended up joining for a year. A great new venue to meet clients... Whisky tasting pending.
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What you can expect when working with Cove Wealth Management: While our approach is personal, there are several things every client can expect, regardless of life stage, goals or financial situation. Here's what you can look forward to from our advice service: → Initial meetings provided with no obligation. → Clear, easy-to-understand correspondence and literature. → Open, honest, and sensitive communication. → Expert analysis to help you achieve your goals and / or boost existing arrangements. → Planning meetings to consider further options and agree on your personal objectives. → Written confirmation of recommendations, supported by personalised illustrations and disclosure documents. → Regular reviews to keep our advice and guidance pertinent and up to date. -- www.covewealth.co.uk
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Turn your dreams into reality. Unlock your potential with smart Financial Planning. Looking for inspiration or a few examples of financial goals? We've got your covered, check them out below: → Look after ageing parents. → Financial Independence (retire early). → Career Break. → Donations to charities. → Buying a house (first, second... third). → Funding a new business. → Renovations. → Being debt free. → Travelling / Holidays. → Supporting (grand)children to buy a property. → Supporting (grand)children through education. → Weddings. As you can see, everyone has unique goals and aspirations. With thoughtful financial planning, we can make them a reality. Would you personally add anything?
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What is the 25x Rule? The 25x Rule serves as a useful benchmark for retirement planning. It helps individuals set realistic savings goals to ensure financial security in their later years. This useful rule of thumb can give you a high-level view of your retirement needs. So, how does it work? → First of all, estimate your annual expenses in retirement. → Secondly, apply the 25x multiplier. So, if you expect to need £20,000 in retirement, you should aim to have £500,000 saved. The 25x rule is based on the idea that a well-diversified investment portfolio can sustainably support a 4% annual withdrawal rate. Remember, this is just a BENCHMARK! In order to properly plan your retirement, I recommend you consult a regulated financial planner.
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