Financial planning for the 
12 days of Christmas

With the festive season upon us and everyone winding down for the holidays, it’s important not to forget about reviewing your current financial situation. As Christmas leads into the new year, thinking ahead could help you get a headstart in 2020.

On the 1st day of Christmas, my adviser said to me…start planning your retirement now so you can achieve the retirement of your dreams.

On the 2nd day of Christmas, my adviser said to me…make the most of your ISA allowances.

On the 3rd day of Christmas, my adviser said to me…protect your loved ones so you can have the peace of mind that if you have to stop working or worse, they will be looked after.

On the 4th day of Christmas, my adviser said to me…make the most of pension tax planning if you’re a high earner and build your pension pot without paying more tax than you need to.

On the 5th day of Christmas, my adviser said to me…keep an eye on inflation, and what it means for your money.

On the 6th day of Christmas, my adviser said to me…protect your livelihood so you know exactly what will happen should your business’s circumstances change.

On the 7th day of Christmas, my adviser said to me…get a will and power of attorney in place so your affairs are handled by the people you trust most.

On the 8th day of Christmas, my adviser said to me…plan ahead for big spending, be it an adult gap year or funding school fees for your children or grandchildren.

On the 9th day of Christmas, my adviser said to me…make the most of gifting to reduce your inheritance tax bill.

On the 10th day of Christmas, my adviser said to me…pension consolidation is key-understand what you have, and where.

On the 11th day of Christmas, my adviser said to me...before moving, consider improving your home.

On the 12th day of Christmas, my adviser said to me…plan to leave your legacy now so you pay as little inheritance tax as possible.

Speaking to an expert financial adviser could help you to review your financial situation and take the action you need to secure your future.

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