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Powerful Strategies And Tips To Strengthen Your Financial Wellbeing

At Blacktower Financial Management, we believe that a healthy relationship with money is a cornerstone of a well-rounded life. Financial security and mental health are closely interlinked, and in our experience, nurturing one often positively impacts the other. In this article, we offer strategies to bolster both your financial health and emotional resilience. Before diving […]

What Is An IFA? The Role Of An Independent Financial Advisor

In today’s financial landscape, seeking professional financial advice is more crucial than ever. Whether it’s minimising inheritance tax, making strategic investments, optimising tax-free allowances, securing a stable pension income, finding the right mortgage, or obtaining appropriate insurance for your family’s financial security – all these services are provided by financial advisers. One common question is […]

Millennials & Gen X: The New Faces of Wealth

Millennials (born 1981-1996) and Generation X (born 1965-1980) are swiftly becoming the world’s richest demographics and the new faces of wealth, as they inherit significant sums from their predecessors and concurrently contribute to the global economy. But these new powerhouses of financial prowess come with a twist. Their financial behaviours, preferences, and priorities differ markedly […]

What Is The 2023/24 ISA Allowance?

Putting money into an ISA is a highly tax-efficient and flexible way to save for your future. The great advantage is that you won’t have to pay any Income Tax or Capital Gains Tax on the growth within the fund or the income you withdraw. These tax benefits have made ISAs a popular choice for […]

How To Plan Your Retirement (A Guide For Brits)

Retirement is an exciting phase of life that brings the promise of freedom and relaxation after years of hard work. However, to truly enjoy your golden years, it is crucial to have a solid financial plan in place. In the United Kingdom, where retirement savings are primarily the responsibility of individuals, understanding how to financially […]

All You Need To Know About Investing In Stocks And Shares ISAs

Investing in stocks and shares can be a great way to grow your wealth and achieve long-term financial goals. One of the most popular and tax-efficient ways to invest in the stock market is through a Stocks and Shares Individual Savings Account (ISA). In this article, we will cover everything you need to know about […]

Help To Buy Five Years On: What To Do Next With Your Equity Loan

The Help to Buy scheme has been a lifeline for many aspiring homeowners, offering a valuable opportunity to get a foot on the property ladder. One aspect of the scheme is the equity loan, which provides an additional financial boost to buyers. However, after five years, borrowers must start repaying the loan or consider other […]

Inheritance Tax: Gifting And All You Need To Know About It

Inheritance tax gifting refers to the act of giving away assets or money during your lifetime with the intention of reducing the value of your estate for inheritance tax (IHT) purposes. In many countries, including the United Kingdom, inheritance tax is imposed on the value of an individual’s estate upon their death. By making gifts […]

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