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Essential Cyber Security Tips for Online Safety

In an era where digital threats are evolving rapidly, safeguarding your online presence is paramount. Our essential cyber security tips offer comprehensive guidance to protect your personal and financial information from cyber threats, ensuring peace of mind in the digital world.

Cyber Security Best Practices: Stay Safe Online
Use Strong Passwords: Create passwords using three random words (e.g. coffee-train-lamp). Avoid predictable
patterns and never reuse passwords across accounts.

Enable Multi Factor Authentication (“MFA”): Turn on multi factor authentication wherever possible. This adds an
extra layer of security beyond your password.
Keep Software and Devices Updated: Install updates for your operating system, apps, browsers, and antivirus
promptly. Enable automatic updates to stay protected.
Backup Your Data: Regularly backup important files to cloud storage or encrypted external drives. Automate
backups where possible and verify they work.
Be Alert to Phishing: Treat unexpected emails, texts, or calls with caution, even if they look genuine. Never click
links or open attachments unless you’re sure they’re safe. Verify requests via official channels.
Use a Password Manager: Store and manage your passwords securely with a reputable password manager. This
helps you maintain unique, strong passwords for all accounts.
Secure Your Wi-Fi: Change default router passwords and use WPA2 or WPA3 encryption.
Protect Your Identity: Limit personal information shared online. Cybercriminals use social engineering to exploit
details from social media and public profiles.
Think Before You Act: Pause before approving large transactions or sharing sensitive data. Confirm legitimacy
through official sources.
Report Suspicious Activity: If you encounter fraud or scams, report them to Action Fraud or your local cybercrime
authority. Quick reporting helps prevent further harm.


By embracing these guidelines, you create a safer online environment for yourself and others, safeguarding personal
and financial information against emerging cyber threats.

This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication is correct, we are not responsible for any errors or omissions.

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Expat Financial Advice a Must When Returning to UK

SuitcasesAs the “will they, won’t they” saga of Brexit rumbles on it is useful to look at some of the things expats can actually do to reaffirm their ties with the UK in the event that they plan to move back to Blighty at some point in the future.

The issue has taken on a new urgency for expats, particularly in regards to property, in light of the new surcharge that the government plans to introduce alongside stamp duty on second home and buy-to-let purchases in England.

Although Prime Minister Theresa May says that the surcharge is for “foreign buyers” and is being introduced with a view to assisting UK taxpayers buy a property – especially first-time buyers – it may have some unintended consequences.

This is because it is not just foreign buyers who are likely to find their pockets hit by the tax. Returning expats – who could well be a prominent demographic over the next few years – may also find themselves liable for the surcharge, potentially setting them back significantly on their way to reaching their wealth management objectives.

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Are you willing to turn to ‘robo-advice’?

robo adviceSo, you’re wondering – what is ‘robo-advice’?  There is a growing market in the UK of online offerings where, instead of going for a consultation with a financial adviser, you use a questionnaire devised by the provider which, depending on your responses, advises you where best to put your cash.  Investors are placed in a broad investment strategy that, in theory, suits their objectives and attitude to risk. These strategies largely consist of passive investments which ‘track’ an index.

The move has come about in response to the retail distribution review which ruled on how advisers were paid and, in essence, meant they had to charge an up-front fee.  This led to many advisers devising a minimum sum they would accept for a consultation.  Clearly someone with a modest pot of money might feel that the charge was too great and therefore miss out on the opportunity to receive professional advice.

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