EWM Economic Update September 2021

In our latest economic update to the end of September, we discuss UK economic growth forecasts, inflation, job vacancies and the retail sector. Click here to Download

Shareholder protection – Keeping a business running when a shareholder is lost

Every business will face challenges, but a shareholder dying or becoming critically ill is often overlooked. Most business owners will arrange a shareholder agreement, setting out the busines strategy, management and how the company is run. Shareholder protection can often be overlooked though. So, what’s the issue? When a shareholder dies, their business interest is […]

An introduction to life insurance

In this document, we explain some of the basics of life insurance, who might need life insurance, how much cover you should have and other useful information. Click here to Download

Could my company pay my life insurance?

If you’re the owner of a limited company, this could be a win-win. Whether you’re a director or looking for life insurance for certain staff then a Relevant Life Policy could be the answer. The business/employer pays no National Insurance on contributions The business receives corporation tax relief Benefits are not taxed as employment income […]

Should I consolidate my pensions?

Check these 5 details before doing anything Sick of dealing with huge amounts of paperwork from multiple pension companies? As independent financial advisers, our most common queries relate to pensions advice. And within this, consolidating pensions and retirement planning are top scorers. If you’ve built up pensions from different employers over the years, you might […]

Mind the (Income Protection) Gap

Could you live on £96.35 per week? Who pays your mortgage if you can’t work? How many months could you live off your savings? The global pandemic has forced us into regular conversations around death and illness. The pandemic has also highlighted the crucial need for financial safety. This is where insurance policies can help. […]

7 tips to get your life insurance in order

Everyone knows the shocking statistic that 1 in 2 of us will get cancer in our lifetime. Did you also know it’s costs an average of £230,000 to raise a child to age 21?   The chances of you dying prematurely are slim, but if you have anyone depending on you financially then life insurance […]

6 ways to access your pension

The wonderful, over-complicated world of pensions is full of jargon, so let’s start with a jargon-buster: Annuity: An annuity allows you to swap your pension savings for a guaranteed regular income that will last for the rest of your life. Flexi-access drawdown: Flexi-access drawdown is a pension product that lets you access your pension savings whenever you need […]

Pensions and marathons

If the title of this blog has filled you with dread, you are not alone. In fact, as a keen runner myself the thought of running a marathon certainly doesn’t fill me with joy. If you’re pension knowledge isn’t up to speed, have a read of our topic guide ‘An Introduction To Pensions’ here. It’s […]