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Guest Blog – UK to Overseas Pension Transfers – Are they still relevant?

Guest Blog – UK to Overseas Pension Transfers – Are they still relevant?

In spite of the “traffic light” system continuing to create frustrating delays to pension transfers (as highlighted so excellently by Paul Forman in his article in the August 2022 edition of The Trade Press), there are still solid reasons why an overseas transfer may make sense for those who have left the UK to settle …

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Welcome to our newest adviser – James Maxwell

Welcome to our newest adviser – James Maxwell

As United Adviser’s continues to grow, we’re delighted to welcome our newest team member – James Maxwell, a highly experienced Wealth Adviser. James has a CISI Level 4 Certificate in Advanced Wealth Management, and is fully qualified and accredited in Wealth Management in the UK and Europe. With over 20 years of experience in financial …

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Inheritance, Wills & Trusts: 7 Steps For Smart Estate Planning

Inheritance, Wills & Trusts: 7 Steps For Smart Estate Planning

How important is estate planning? Over half of all adults (60%) die without a will, according to data from Unbiased. This means that more than 31 million people run the risk of dying intestate, which could result in their home, investments and savings being distributed in a way that doesn’t align with their wishes. People …

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What to do if you’re in a financially dependent relationship

What to do if you’re in a financially dependent relationship

One in three women in a relationship are financially dependent on their partner, according to YouGov data. Women who work full time are less likely to be financially dependent than those who don’t have a job or work part-time. But even so, a fifth of women with full-time jobs are still reliant on their partner …

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How to invest ethically. Putting a price on the future

How to invest ethically. Putting a price on the future

When you invest in the stock market, what’s your number one goal? Are you solely focused on profit or would you like to support sustainable and ethical causes too? Ethical investing is often looked at with suspicion. People assume that investing in sustainable stocks comes at a price. They worry their portfolio won’t perform as …

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How does inflation affect savings? Protect your wealth with these tips

How does inflation affect savings? Protect your wealth with these tips

A perfect storm of post-lockdown recovery, supply-chain issues and soaring energy and fuel prices have pushed up the cost of goods and services across the world. In the UK, inflation has jumped to its highest rate in a decade. In Spain, it’s surged to a 29-year high and in the US it’s at 5.4%. A …

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5 reasons you might need life insurance

5 reasons you might need life insurance

Life insurance can be one of those investments that you never get round to exploring. Many people underestimate just how important and valuable a life insurance policy can be. The problem is exasperated by the very human tendency to avoid talking or even thinking about death. If you’re wondering if it’s worth the money, here …

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Property as a bridge to retirement

Property as a bridge to retirement

The property versus pension debate has been raging for decades, with investors around the world having strong feelings over which retirement funding solution is best. Although the war often makes for interesting conversation, it doesn’t have to be an either/or situation. You don’t have to pick a side and stick to it. Instead, a multi-asset …

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How to make a Will as an expat

How to make a Will as an expat

Wills for expats can be tricky and there is no one-size-fits all solution. The law in your country of residence may not apply to you and your estate, so what happens after death will depend on where you die. For example, if you die in England but have property or assets in France then French …

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How you can pass money down to the next generation

How you can pass money down to the next generation

There was once a time when inheritance tax was mostly paid by the very wealthy. But thanks to rising house prices and investments that have had decades to compound, even those who earn a modest income may be taxed on their estate when they pass away.  Many people assume that inheritance tax can completely obliterate …

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