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How Secure Is Your Business?

Business protection is a crucial element in a company's financial future, but how many have cover in place? You may have covered the tangible assets in your business, but have you protected the most important asset; the people who contribute directly to your bottom line? If the answer is no, you could be putting your business at risk. Aft...
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“In this world nothing can be said to be certain, except death and taxes.”

So... What is cashflow modelling?Financial planning is all about preparing for those things that may not be so certain (and taxes). Plans should be reviewed regularly so they adapt to changes in your circumstances and reflect developments in the wider economy and financial markets.Cashflow modelling, sometimes known as cashflow forecasting takes a ...
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Our Expert Advice Can Help Reduce Your Mortgage Stress

Moving home is known to be one of life's most stressful events. In fact, a survey earlier this year, found the process can cause us more stress than other major life events such as having a baby, getting married, starting a new job or getting divorced.Sorting out your financesThe biggest cause of worry for many is arranging finance for the move. Fi...
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Meet Janet! Can you guess the story behind the wonderful photograph in the post?

Name: Janet Braisted What do you do at Stan Sherlock Associates? I am a Financial Adviser and joined Stan Sherlock Associates 2 ½ years ago following a long career with a high street bank, the last 3 years of which were spent as a Wealth Adviser.  Why did you become a financial adviser? My career in banking involved he...
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Up Close and Personal with Anne...

Name: Anne Preston What do you do at Stan Sherlock Associates? Mortgage, Protection and General Insurance Adviser.  I have been an adviser since 2012 but started in financial services in 1987.Why did you become a mortgage and protection adviser?I never intended to move into advice but the company I was working for at the ti...
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Anne Preston Joins Stan Sherlock Associates

An adviser with 30 years experience has joined us this week at Stan Sherlock Associates.Anne Preston, who will specialise in Mortgages and Protection, brings her expertise from varied previous roles and we're delighted to welcome her to the team. Her impressive career covers a diverse portfolio of skills and qualifications, and her experience will ...
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Ian Thorley is the next adviser to reveal all....

Name: Ian ThorleyWhat do you do at Stan Sherlock Associates? I am a Mortgage & Protection adviser. I have been in the financial services industry for 13 years. I began as an administrator within the practice and trained to become an adviser. I help clients purchase or refinance their properties and also secure appropriate insurances to pro...
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Be Vigilant and Scam Smart

Warnings from a number of UK bodies, including the Bank of England, Financial Conduct Authority, National Crime Agency and Action Fraud have urged people to be vigilant about scams by fraudsters who are taking advantage of people's fears and capitalising on the COVID-19 crisis.Huge increase in casesAction Fraud has released figures showing that rep...
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Next Up... Hannah Heslop!

Here's our next adviser we'd like you to learn a bit more about - what do you think of her choice of super-power? Name: Hannah Heslop What do you do at Stan Sherlock Associates? I am a Financial Adviser. I help my clients with their pensions, retirement planning, investments, Inheritance Tax (IHT) planning and protection needs. Why did yo...
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The Bank of... Granny and Grandad?

For many younger people struggling to get a foot on the property ladder, the Bank of Mum and Dad is the only option. With rent taking a huge chunk out of their income and the requirement for increasingly onerous deposits, two in five renters do not believe they will ever be in a position to buy a property, despite a desire to own a place of their o...
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Doing our bit, however small, in uncertain times...

Our fantastic team here at Stan Sherlock Associates has collectively donated groceries and other essential supplies to two vital local charities.Recognising that the COVID-19 pandemic has made life even more difficult for many local people, our team has donated bags of groceries, toiletries and cleaning supplies to the Carlisle Foodbank and Ca...
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Gaining Control in an Uncertain World

The current COVID-19 pandemic and its impact on every aspect of our lives is creating huge uncertainty for everyone.At Stan Sherlock Associates, as lockdown came into effect, our amazing team quickly organised themselves, decamped to home working, organised 'socially distant' office cover and continued to put our clients first, responding, reassuri...
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It's Good to Talk

While, for many, discussions about money can be extremely uncomfortable, experts have long stressed the best approach to financial issues is invariably to talk about them. Indeed, perceived wisdom suggests the more open and honest people are about money, the better their life and relationships tend to be.Finance: the last tabooThere's a wide variet...
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Getting To Know Our Advisers...

Want to know more about the people giving you advice? We've interviewed our advisers to enable you to get to know them better and will be releasing one a week over the coming months.  Name: Bobby Sherlock What do you do at Stan Sherlock Associates? I am the Practice Principle and a Financial Adviser. I have worked in t...
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It's Time to Think about Life Insurance

If you have dependants – people who rely on you financially – then you should have life insurance. In fact, if you have dependants and don't have life insurance, you are exposing them to grave financial risk. And who would want to do that?Life insurance tends not to feature on 'to do' lists because it makes us confront uncomfortable questions, such...
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The Value of Financial Advice

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Pension Planning for the Self-Employed

There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we're all living longer. Saving for a pension when you're self-employed is not as straightforward as it is for an employed person, who might automatically benefit from...
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Coronavirus & Mortgages Q&A's

 Some common questions you may have regarding your current mortgage position:I have exchanged on a new property, but not moved in. What should I do?The Government has stated that they do not want you to move during the lockdown, unless it is in exceptional circumstances. If you can therefore delay your move then you should. Mortgage lenders ar...
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Coming to terms with market turbulence

 Coming to terms with market turbulence As a direct consequence of the COVID-19 outbreak, global stock markets are suffering a period of turbulence. When markets move significantly it can prove very challenging to hear through the noise and focus on the bigger picture. Lessons from history Over recent years many investors have become used...
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Coronavirus Dents Recovery Hopes

Coronavirus Dents Recovery HopesData released by ONS has confirmed the UK economy stalled in the final quarter of 2019 and the economic fallout from the coronavirus outbreak looks set to hinder prospects of an imminent recovery.Gross domestic product (GDP) statistics published by ONS showed the UK economy saw zero growth across the final three mont...
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