George Square Financial Management Ltd

How do I find where my pensions are held?

We can help you to track down historic pension plans. Many people are pleasantly surprised of the value of pension plans from the past – particularly those held with previous employers.

Read more about tracing lost pensions here: https://bit.ly/4Ab8v0p

A common query from investors is why investment portfolios contain a mixture of assets, including those that have underperformed relative to others.

While it may seem logical to invest solely in the best-performing assets, this approach overlooks a fundamental principle of investment management: risk and diversification.

Find out more: https://bit.ly/4qzSZa9

Estate and inheritance tax planning is an important part of wealth management and forms part of the tax planning process. It can help to minimise the impact of taxes and other costs on your estate following your death.

Effective planning ensures you pass on more of your wealth to your chosen beneficiaries while paying less inheritance tax (IHT). Our advisers can help you put strategies in place to minimise your IHT liabilities.

Read more here: https://bit.ly/4y455Lj

Would you choose £50,000 over the chance of £1m?

Last month, a YouGov survey asked thousands of people this very question: would they choose £50,000 upfront, or flip a coin for a 50/50 chance of winning £1m? The results shone a spotlight on just how risk averse UK investors are as a collective, and particularly how risk averse women are.

Read our blog to find out the response, and to learn more about the investment gap: https://bit.ly/3UWCrNM

Meeting a financial adviser for the first time can feel like a big step, particularly if you are feeling the pinch from rising costs and uncertain economic times. It might even seem counter-intuitive to pay for financial advice when you are focused on managing your outgoings.

However, taking the opportunity to sit down with an independent adviser can help you feel more confident about where you stand, ensure your budget is realistic and give you a clearer sense of how your longer-term plans might be shaped.

In this guide,we outline what you can expect when meeting with a financial adviser for the first time, how to best prepare, and why seeking independent advice is worth considering: https://bit.ly/4cW1czC

What are specialist mortgages?

Should you have specialist borrowing requirements, such as purchasing commercial premises, rental or overseas properties, or indeed have adverse credit, we are likely to be able to help you secure the finance you need from our panel of specialist lenders.

Find out more about our specialist lending services here: https://bit.ly/4wGO7Bl

Bringing your pensions together into one place may make managing your retirement savings simpler, but it isn’t always necessarily the right choice. Every pension is different, and there may be valuable benefits or guarantees attached to some schemes that could be lost if you transfer.

If you’re considering consolidating your pensions, speaking to a qualified independent financial adviser can help you understand whether it may be suitable for your circumstances. In our blog, we look at some of the key factors to consider: https://bit.ly/4gqvFXE

Our experienced corporate financial advisers will review your existing employee benefits arrangements and propose a range of relevant options that align with your business objectives, add value for your employees and enhance your reputation as an employer.

George Square Financial Management can help you set up the following schemes:

🔸 Income protection
🔸 Life assurance
🔸 Medical insurance
🔸 Pensions
🔸 Retirement benefits
🔸 Salary sacrifice

Find out more: https://bit.ly/4gOfnZV

Contributions are made as single premiums, regular premiums, transfers in or a combination of the three. Contributions can be personal, from an employer, or third parties. Most people will accumulate a number of pension plans throughout their working lives and very often benefit from an exercise to consolidate all of these into one place.

Find out more about pensions and pension consolidation here: https://bit.ly/3HsK5Zj

Taking the first step onto the property ladder can be overwhelming and a bit of a minefield searching the market for the best mortgage deal and lender that’s right for you.

A lot of lenders offer tempting low fees, contributions towards legal costs and sometimes cashback for first time buyers, but there is often a trade-off for these deals and certain criteria that must be met to qualify. This is why it’s a good idea for first time buyers to seek professional mortgage advice, so that you fully understand your options before applying for a mortgage.

Find out more about how we can support you in buying your first home here: https://bit.ly/43inZS4