Ian Thorley is the next adviser to reveal all....

Name: Ian Thorley What 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 pr...
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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 re...
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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 C...
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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, reassur...
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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 varie...
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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 ...
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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, suc...
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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 ...
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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 use...
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Coronavirus Dents Recovery Hopes

Coronavirus Dents Recovery Hopes Data 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 mo...
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Self-employed? Prioritise your pension

​Self-employed? Prioritise your pension Since the introduction of automatic enrolment, over 10 million eligible employees have been signed up to a workplace pension scheme. But for self-employed people, no such scheme exists, meaning that many of those who work for themselves are struggling to prioritise their pension. While there are many benefits...
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‘Mortgage prisoners’ may be able to remortgage

 'Mortgage prisoners' may be able to remortgage You may have heard the term 'mortgage prisoners' but not know exactly what it is. Mortgage prisoners are those who are trapped in their current mortgage deal and are unable to remortgage or move. The Financial Conduct Authority (FCA) has estimated around 150,000 borrowers are stuck as 'mortgage p...
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Accidental damage protects against life’s little mishaps

Accidental damage protects against life's little mishapsNobody knows what is around the corner. Accidents can and do happen and the most commonly reported household claim in 2018 was for Accidental Damage. It's therefore wise to check what is included in your insurance policy to help protect the valuable items in your home.Standard contents insuran...
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Your pension savings, your future options

Your pension savings, your future options Why you should consider modernising your pension As well as giving you greater freedom over how you access your savings, there are several other benefits when modernising your pension: - Take full control of your pension savings  - Choose when and how to draw an income to suit your retirement...
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Reviewing your pension contributions

 As you approach retirement, you probably want to know when you can afford to stop working. Having worked hard throughout your career you deserve to enjoy your retirement without having to worry about your finances. It may be worth reviewing your pension contributions to make sure you are taking advantage of the incentives offered by the gover...
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Does diversification matter?

 When it comes to building your investment portfolio, you might have been warned about avoiding putting all your eggs in one basket. It's wise to spread your money across a range of different investments. That way, if the value of one of them falls, it should have a limited effect on the overall performance of your portfolio. How to diversify ...
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