Navigate IFA

One of the more surprising conversations we have with clients is about spending money. Not because they don't have enough, but because they don't feel comfortable doing it.

After decades of saving, investing and planning for the future, many people find spending far more difficult than they expected.

Our latest article explores why that happens and why financial planning isn't just about building wealth, but knowing how and when to enjoy it.

Read the full article: https://bit.ly/4woaNGS

One thing that stood out to us while looking at the upcoming inheritance tax changes was this:
The challenge isn't always the tax itself.

It's the administration.

It's the fact that someone, often a spouse or child, may be left trying to piece together years of financial information while also coping with loss. Tracking down pensions, contacting providers, pulling together information from different places. All while emotions are running high.

Good financial planning isn't always about saving money.

Sometimes it's about making sure the right information is in the right place, so the people around you aren't left trying to figure it all out themselves.

We've written more about that in our latest article:
https://bit.ly/3PZpEYS

Our very own Jack, one our Financial Planners here at Navigate, is taking part in a 100km Charity Cycle in aid of Charis Cancer Care this coming Sunday!

The "Tour of East Tyrone" will see Jack join other cyclists for a full day of cycling in a bid to raise much needed funds to help ensure nobody faces cancer alone in NI.

A great cause and no better man for it. If you'd like to donate please check out - https://tinyurl.com/2hjvfn53

Good luck Jack! 🩵🚴

It's surprisingly easy to lose track of a pension.

One from your first job, another from an employer you left years ago, a small pension pot that's been sitting in the background ever since.

For years, that might not have seemed like a big issue.
But as inheritance tax rules change, knowing where your pensions are held and making sure everything is properly organised could become much more important for the people you leave behind.

We've written more about why in our latest article:
https://bit.ly/3PZpEYS

So that's the summer over...🌧

Last week the team enjoyed a visit from the ice cream van while the sun stuck around!

On a serious note, sauce or no sauce on your 99? 🍦