The start of a new year often brings a sense of possibility. It’s a natural pause point, a chance to reflect on where you are now and where you’d like to be in the years ahead. While January can sometimes feel overwhelming, it can also be a powerful moment to reset your financial direction with …
Read more “A Fresh Start: Getting Your Finances on Track This New Year”
Each decade brings new financial priorities and new challenges. From getting established in your 30s to planning for retirement in your 50s, avoiding common pitfalls can make a lasting difference to your financial wellbeing. At Albon Financial Planning, we work with clients across every stage of life to help them plan ahead with clarity and …
Read more “The Biggest Financial Mistakes People Make in Their 30s, 40s, and 50s”
In an environment where inflation, interest rates, and household costs remain uncertain, building financial resilience has never been more important. Recent surveys show that many people worry about not having enough savings for unexpected costs, or not being able to save adequately for the future.
Retirement is one of life’s biggest transitions and one of the most personal financial decisions you will ever make. Yet the question at the heart of it sounds deceptively simple: Can I afford to retire? The truth is, much like markets navigating geopolitical tensions, the answer is not always straightforward. But with the right planning and …
Making the most of your annual allowances will help you stay on course with your long-term financial goals.
For many professionals—especially those in fast‐moving sectors like technology—a significant part of your net worth may be tied up in employer shares. While being a part owner in a major firm (think companies like Amazon, Google, or Microsoft) can be incredibly rewarding, it can also create what’s known as the “golden handcuff” problem. In this post, we’ll explain what golden handcuffs are, why they can be a double‑edged sword, and how a financial adviser can help you navigate this challenge.
When you find yourself with some extra money each month, the age-old debate arises: should you overpay your mortgage or invest that cash? In today’s environment—with interest rates, tax thresholds, and market uncertainties all in play—it’s worth revisiting this decision. In this post we’ll break down the pros and cons of each option so that you’re armed with all the facts before you decide.
Inflation can dent the purchasing power of your money.
Understanding how it works can help you take control of your finances. Rising inflation over the past year has driven up prices, from petrol and food to basic household items. There may be no way to completely avoid rising costs, but there are things you can do to protect your money.