Latest News

Pension FAQs

financial-planning-consultants-in-carlisle

As we're sure you're aware, there's currently a cost-of-living crisis taking place across Carlisle, Cumbria, and in fact, the entire United Kingdom.As a result, people from Carlisle to Dover are trying to make the most of the money they have now, rather than thinking about savings, investments, and pensions of the future.And while this is understan...

Continue reading
  752 Hits

Use it or lose it! Our Financial Planner Robert Sherlock looks at how you can maximise your tax allowances and reliefs before the end of the tax year.

Untitled-24

What are tax allowances and reliefs? Could you be missing out on hundreds of pounds, maybe even thousands? Money that could be in your bank account rather than the tax man's. There are many different types of tax allowances and reliefs available to people who live in the UK. It's not just the first £12570 of income that's tax free, as some people m...

Continue reading
  860 Hits

Would you benefit from consolidating your pensions?

Untitled---2022-01-31T121306.746

Not all Jobs are for life like they used to be! More and more of us are changing jobs on a more regular basis and this results in many of us have more than one pension. As we move home as well as jobs, it's very easy to lose track of them. Here I explore what you need to do if you're thinking about consolidating your pensions. Track down your old p...

Continue reading
  1396 Hits

Don't Do a Hannah!

Elijah-2

What I know now, I wish I knew then! Here I am, 40 years old and starting my first personal pension. One that I am going to manage and invest, and watch as it grows, with the ultimate goal of a pension pot that will provide me with the ability to retire on my terms with the income I want. As a teenager and well into my twenties I was good with mone...

Continue reading
  1471 Hits

Our adviser Hannah was worried she hadn't provided for her family in the event of her death. Here's what she did to give herself peace of mind.

ben-wicks-iDCtsz-INHI-unsplash-1

"We've all got a terminal disease, it's called life" Benedict Groeschel Death, as morbid as it may seem is guaranteed for all of us. The reality of it is, we don't know when our time is up, and before I had children, I didn't really think about it too much. But, more recently I have. Like many at home during lockdown I started sorting out drawers a...

Continue reading
  1262 Hits

IF IT SOUNDS TOO GOOD TO BE TRUE IT PROBABLY IS!

Janet-Braisted

Stuart Lost it All! Don't be like Stuart! This is a true case but we have changed the name of the client to avoid any embarrassment. Stuart was in his 50's, he had built up savings for his retirement and was still working full-time but had started getting a bit jaded with his work. A work colleague of Stuart's suggested he take a look at a fantasti...

Continue reading
  1309 Hits

With the possibility of negative interest rates, we ask, IS YOUR MONEY REALLY SAFE?

jason-dent-3wPJxh-piRw-unsplash

Are you a saver? Saving your hard earned surplus cash for a rainy day? Or a big occasion? Or maybe for your retirement? Perhaps you're squirrelling away pennies in a "safe" savings account ready for when you want to spend it. But…what is safe? The capital amount may be guaranteed and will grow with interest added but what about its value? Would you...

Continue reading
  1020 Hits

Pension Planning for the Self-Employed

austin-distel-DfjJMVhwH_8-unsplash

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...

Continue reading
  2781 Hits

Now is not the time to neglect your pension - keep your planning on track!

anukrati-omar-NZFJYpkwIXc-unsplash

The Coronavirus outbreak is having a widespread impact across all aspects of our financial life, with many people finding their income reduced. At times like this it can be challenging to stay focused. No matter what age you are, now is not the time to neglect your pension. Try your very best to keep your pension planning and contributions on track...

Continue reading
  1407 Hits

The world is changing – so should your insurance!

greg-bakker-0BDxXONmsbk-unsplash

The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your policy provides adequate cover for your changing needs. U...

Continue reading
  1152 Hits

Protecting your business in difficult times

jose-fontano-pZld9PiPDno-unsplash

During the past few months, millions of businesses have been forced to shut temporarily, with employees furloughed or working from home under very difficult circumstances. With various business sectors reopening in July, many have suffered significant financial damage due to lockdown. For some businesses, productivity has been lost due to illness a...

Continue reading
  1321 Hits

Tax-free investing - it's time to talk

francesco-gallarotti-ruQHpukrN7c-unsplash

With the first wave of Child Trust Funds maturing this year, there's a great opportunity to talk to your children about the benefits of saving and investing. If one of your children has recently celebrated their 18th birthday then there's a good chance they'll have some money in a Child Trust Fund (CTF), which they can now access for the first time...

Continue reading
  1130 Hits

Disclaimer

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Contact Us

A: 26 Lowther Street, Carlisle, CA3 8DA
T: 01228 598821
E: info@stansherlock.com

Company Information

Registered Address: 26 Lowther Street, Carlisle, Cumbria CA3 8DA
Company Number: 05718865

STAN SHERLOCK ASSOCIATES LIMITED IS AN APPOINTED REPRESENTATIVE OF THE OPENWORK PARTNERSHIP, A TRADING STYLE OF OPENWORK LIMITED WHICH IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.