Scott Hansell

Life can feel good for ‘Young Accumulators’, says Scott Hansell of Lovewell Blake Financial Planning – but they need to think seriously about their financial futures

Scott Hansell, Director of Lovewell Blake Financial Planning, gives his reaction to the announcements in the budget about cash ISAs

Scott Hansell of Lovewell Blake Financial Planning takes a look at what the effect would be of a widely anticipated increase in income tax rates in this month’s Budget.

Soaring property prices and strict penalty structures have eroded the usefulness of two government initiatives which were meant to encourage saving for a first home or for retirement.

In the current volatile investment climate, don’t believe everything you read online

Scott Hansell of Lovewell Blake Financial Planning says ISA reform is still on the Chancellor’s agenda, even though she made no mention of it in last month’s Spring Statement.

Scott Hansell of Lovewell Blake Financial Planning says that carefully planning how to split pension assets should be an important part of any divorce proceedings.

There are two main reasons that people take out life insurance cover – but many should be considering it for other purposes.

A growing number of investors are seeking ways to invest tax-efficiently in places other than their pensions and ISAs, usually because they have already fully used their ISA allowances, and significant pension contributions have compounded over the years.

A growing number of investors are seeking ways to invest tax-efficiently other than through their pensions and Individual Savings Accounts (ISA). The reason being that those investors have fully used their ISA allowances and have significant pension contributions have compounded over the years. Pensions have a tax-efficient lifetime allowance, above which clients question why they should keep adding if they are going to get taxed later at a higher rate!

Thousands of people are missing Home Responsibilities Protection from their NI record.

In the world of finance and investment, the concept of portfolio diversification plays a pivotal role. It is a strategy that forms the bedrock of prudent financial management and is often touted as one of the most effective ways to manage risk and maximise returns. In this article, we'll delve into the significance of portfolio diversification, the advantages it offers, and how a well-managed portfolio ensures a diversified set of investments.

Being nervous about market volatility shouldn’t be a reason not to invest, says.

The final part of our personal cashflow series looks at how the cashflow modelling tool is a robust way of predicting the impact of each financial decision.

In the first three parts we have introduced the concept of personal cashflow planning, and seen how it has helped Joe and his wife Jessie face unforeseen events, pay for their son Johnnie’s education, and stay on track for a comfortable retirement. In this part we see how the online planning tool can help them achieve that goal.

In parts one and two, we saw the value of personal cashflow planning for our case study, Joe. In this part, we find him married with a baby.

The death of a key person can be a dangerous time for a business, so it pays to protect against it, says Scott Hansell of Lovewell Blake Financial Planning.

In part one, we looked at the concept of personal cashflow planning, and how it can help people map out their financial futures In this part, we look at what happens when an unforeseen event disrupts the plan.

The rise of personal cashflow planning

Firstly, that’s a great question. The simple answer is that you can retire when you have adequate wealth to do so. This can be a mixture of pensions, savings, investments, and property.