An independently owned, family-run #financialplanning practice. We create bespoke plans to organise your financial resources, so you can achieve your goals.
Joined April 2021
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#FinancialPlanning starts with:
š What does a good life look like for you?
šWhen would you like to retire?
šHow do you want to spend your time?
Money is just the tool. The real purpose of financial planning is helping you live the life you want.
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When people compare investment options, the conversation often turns towards fees, but fees are only part of the picture.
Other costs are incurred that aren't always obvious. Things like trading costs and the impact of buying and selling investments at certain times.
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They can still affect returns over the long term, which is why it's important to understand how investments work, what you're paying for and whether the strategy is right for your goals.
The lowest cost solution isn't always the best value.
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On Thursday 11th June at 2pm, @warrenshute will be a guest on the @PrestwoodTruth Financial Planning Mentoring webinar to share how he approaches discovery meetings after more than 30 years in the profession.
Register via the link below š
bit.ly/4et3sQ9
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We've helped clients plan their futures for years....
Now we can help them find the car park too. šš
What do you think of our new visitor parking sign?
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With the office move to Siddington, we now have a new office phone number:
āļø 01285 425863
If you need us, we're just a phone call away.
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Over 20 years ago, Gary and Caron were introduced to Lexington by a friend and initially came to us for advice on an endowment mortgage.
More than two decades later, they're still clients.
š youtu.be/9k_PjhDOrAA?si=Zyv9ā¦
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We are delighted to welcome James Castle to the Lexington team š
James will be training to become a chartered financial planner, with his initial role working as an Associate Client Account Executive, where heāll be supporting both the team and our clients.
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Spring has a way of clarifying things and now, after a few years of persistent noise, the economic picture is finally starting to cooperate.
UK inflation has eased to 2.8%, coming in below expectations, and the FTSE 100 has pushed through the 10,000 mark for the first time.
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Neither of those felt likely this time last year.
Thereās still plenty to keep an eye on, particularly on the political front, but the mood has shifted.
And we think that matters.
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In the latest @TheFinanceGeeks Podcast, @warrenshute and @paulcleworth discuss how AI can help planners and add value to clients, as well as its disadvantages.
Listen here - youtu.be/7-4U6CqIWfo?si=9k4jā¦
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We shared the SPIVA S&P indices versus active graphic a few months agoā¦ so whatās changed?
If you look at Europe (the closest comparison for UK investors):
š Back in February, around 72% of funds were underperforming over 1 year
š Now, that number has risen to 82%...
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So more fund managers are falling behind the market than before. When you look over longer timeframes, itās even clearer.
Around 9 out of 10 funds are still underperforming over 3 and 5 years.
So while the numbers move around a bit, the overall message doesnāt really change..
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...Beating the market consistently is very difficult.
Which is why for many investors, the focus isnāt on trying to pick the winning fundā¦it's building a well-structured portfolio and sticking with it over time.
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A simple idea that can make a big difference in inheritance tax planningā¦
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The DWP is now taking a closer look at how trusts are used when assessing eligibility for Universal Credit...
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Sometimes the biggest value of a financial planner isnāt picking investments.
Itās helping you avoid costly decisions when panic takes over.
Markets rise and fall. Uncertainty can make people react emotionally and move away from the plan at the wrong time.
(The Behaviour Gap)
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A good adviser helps you stay focused on the bigger picture and the plan you created in the first place.
That guidance can be far more valuable than trying to ābeat the marketā.
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HMRC no longer accepts telephone claims.
If you need to claim higher-rate tax relief on personal pension contributions, this must be done online, by post or through your self-assessment tax return.
Youāll also need supporting evidence from your pension provider when claiming too.
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Have you watched the latest episode of @TheFinanceGeeks?
@warrenshute and @paulcleworth talk about how they help clients go from building wealth to actually enjoying it.
youtu.be/aaExDuH8w1M
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