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Market Commentary: Monthly Bulletin November 2025

Global equities extended gains early in November, supported by strong Q3 earnings (82% of S&P companies beat estimates) and AI-driven growth in mega-cap tech.

Market Commentary: Monthly Bulletin October 2025

Global equity markets extended their rally in October as softer US inflation and a second consecutive Federal Reserve rate cut supported equities.

Market Commentary: Monthly Bulletin September 2025

The third quarter of 2025 was characterised by a strong rebound in global equity markets.

Boolers Ranked 4th in FT Adviser Top 100 Financial Advisers 2025

We are proud to announce that Boolers has been ranked 4th in the prestigious FT Adviser ‘Top 100’ Financial Advisers awards of 2025.

Market Commentary: Monthly Bulletin August 2025

Overall, markets had another positive month, as Chair Powell used Jackson Hole to open the door to an adjustment in rate cuts if the balance of risks continues to shift from sticky inflation to a weakening labour market.

Market Commentary: Monthly Bulletin July 2025

Markets had another positive month, as (secured) US trade deals and companies reporting solid earnings helped further boost investor sentiment.

Market Commentary: Monthly Bulletin June 2025

Markets had a positive June, as easing of geo-political tensions and optimism on future trade deals helped boost investor sentiment.

Market Commentary: Monthly Bulletin May 2025

It has been a ‘risk-on’ month, resulting in positive returns from global equity markets and a less favourable backdrop for perceived safe-haven assets

Market Commentary: Monthly Bulletin April 2025

Global equity markets had a difficult start to April but rebounded strongly after the initial fallout from Trump’s Trade War on the rest of the world.

Trump’s Tariffs and the Implications for Investment Markets

On Wednesday, Donald Trump announced wide-ranging tariffs against imported goods from much of the rest of the world. Whilst these have been signposted for weeks, the level of tariffs imposed on the European Union and the UK were either as anticipated or even not as high as feared.

Market Commentary: Monthly Bulletin March 2025

Despite the optimistic outlook at the beginning of 2025, the first quarter has seen a ramp up in volatility, particularly so for the US, and market performance diverged considerably from previous years

Market Commentary: Monthly Bulletin February 2025

Global markets had a mixed month overall, with Europe, UK and Asia/Emerging markets leading the way and the US underperforming due to economic growth concerns.

Market Commentary: Monthly Bulletin January 2025

January was generally a mixed month for markets, as investors assessed what economic policies Donald Trump would pursue as he became the 47th President of the United States.

2024 End of Year Market Update: The Times They Are A-Changing

We entered 2024 expecting a year punctuated by democratic elections and a continuation of geopolitical tensions. What we experienced was a pivotal year in global politics, marked by significant events, seismic power shifts and no resolution to the ongoing conflicts in Ukraine and Gaza. After the dust settled on 74 national elections (plus the EU parliamentary election) we bid “farewell” to Biden, Sunak and Kishida, “hello” to Trump, Starmer and Ishiba, and “as you were” to Modi, von der Leyen, Putin and Zelensky.

Market Commentary: Monthly Bulletin November 2024

November was a positive month for most developed markets, as investors received more certainty on policy following the election of Donald Trump as US President and positive news on global corporate earnings for the third quarter.

Market Commentary: Monthly Bulletin October 2024

October was a mixed month for markets, with all eyes on the Autumn budget, the US election and key economic data from the US.

Your Autumn Budget update – the key news from the chancellor’s statement

The chancellor has delivered the Labour government’s first Autumn Budget. Here’s a useful summary of the key measures Rachel Reeves announced in her statement.

Market Commentary: Monthly Bulletin September 2024

Markets were mixed over the month, as China Stimulus measures helped boost Asia and Emerging market stocks. Meanwhile in the US we saw a surprising 50 basis point rate cut from the Federal Reserve which signaled to markets that the economy could be slowing.

How expert advice can help your clients plan for later-life care fees

UK life expectancy is generally rising, but that could mean more years spent in ill health. From planning early to considering immediate care plans and factoring in a contingency, professional financial advice can help to ensure your clients can afford the later-life care they need.

Market Commentary: Monthly Bulletin August 2024

The beginning of August has seen major equity indices fall significantly driven largely by weaker than expected US jobs data (prompting fears over a recession), the Bank of Japan unexpectedly raising interest rates for the first time in many years and weaker earnings from several ‘Big Tech’ firms.

5 ways financial advice can help you manage your tax bill as a high earner

Tax is inevitable, especially as a high earner, but that doesn’t mean that you shouldn’t claim the relief you are due or look for ways to cut your tax bill

Market Commentary: Monthly Bulletin July 2024

Markets were mixed over the month, as slower inflation and weaker labour market data in the US increased expectations of rate cuts, which helped boost a rotation into small cap stocks and other long-duration assets.

Understanding the true value of intergenerational planning

With the "great wealth transfer" well underway, discover the importance of intergenerational planning and engagement in long-term legacy and estate planning

5 reasons to consider salary sacrifice now as a business owner

Salary sacrifice could be invaluable for you and your employees, decreasing tax bills, increasing staff retention, and freeing up funds. Here's how

Market Commentary: Monthly Bulletin June 2024

Markets were mixed over the month, with US technology stocks outperforming, followed by Asia/Emerging market equities due to better-than-expected economic data from China.

Revealed: What your clients mean by “value” in financial advice

As consumers, we all interpret “value” differently, but understanding what your clients mean by great value advice is key to helping them reach their goals

3 simple financial tips if you never want to retire

According to a recent survey, around 1.5 million UK workers plan never to retire. If this includes you, here are three important implications to consider now.

Market Commentary: Monthly Bulletin May 2024

As we approach the mid-point of the year, equity markets have continued to deliver competitive returns for investors.

3 powerful ways your pension can help your business

If sudden growth or a rare opportunity means that your business needs capital, you might look to your pension. Here’s how your retirement fund could help.

How financial advice could give your clients’ children a financial boost as they approach adulthood

With financial education still lacking in UK schools, advice could help your clients build a nest egg for their child while providing valuable money lessons.

Market Commentary: Monthly Bulletin April 2024

This month latest figures showed the US economy grew at an annualised rate of 1.6% in the first quarter of 2024 vs 3.4% in the fourth quarter of last year.

5 simple ways advice can help solve your clients’ biggest worry

Failing to save “enough” for retirement and then running out of money is your clients' biggest worry, but financial advice can help in these 5 ways

Revealed: The subconscious biases damaging your investment returns

Cognitive and emotional biases can subconsciously influence your investment decisions and could even be costing you money, here are six to look out for.

Market Commentary: Monthly Bulletin March 2024

Markets ended the first quarter of 2024 positively, as stronger global growth and the potential for rate cuts fuelled a rally in cyclical sectors of the market.

“2024 & Beyond” Client Investment Conference

On 8th February, we hosted our “2024 & Beyond” investment conference at the Hilton Hotel (East Midlands).

Why advice on business protection is so important

Business protection is vital for helping small or medium-sized companies survive the death or illness of a key person, but protection advice is crucial too.

Why you shouldn’t be scared of a market “all-time high”

You might be nervous to invest during "all-time highs" in the market, but should you be? These all-time highs are likely a lot more common than you think.

Market Commentary: Monthly Bulletin February 2024

We start our commentary by highlighting the performance of the main equity indices over the month

3 financial insights we’ll be factoring into our client advice this year

2024 looks set to be packed with geopolitical events and shifting economic fortunes but our financial insights can help your clients navigate the choppy waters

How to protect your business from a cyberattack now

One in five businesses fell victim to a cyberattack last year, losing an average of £20,000. Here are the scam types to watch out for and what to do next.

Market Commentary: Monthly Bulletin January 2024

Many believe the inflation battle has been won and focus is turning to when interest rates will fall and this has been a positive backdrop for both equity and bond markets.

Your guide to annuities as rates continue to rise

While annuities fell out of fashion after the introduction of Pension Freedoms, they are in vogue again thanks to rising rates. Here’s your indispensable guide

Revealed: 3 new pension allowances your clients might be affected by in 2024

The abolition of the LTA in April 2024 has led to 3 new pension allowances being created. Read about what they are and what they could mean for your clients

5 steps to “good” pension decumulation according to the Pensions Regulator

However good your clients’ financial planning, the hard work doesn’t stop when they retire. Read five ways advice can help with pension decumulation.

5 common concerns you’ll have as a business owner and how financial advice can help

Whether you’re worried about your business’s rising costs, your income, or your exit strategy, you’re not alone. Read five common worries and how advice can help.

Market Commentary: Monthly Bulletin November 2023

Markets rebounded strongly in November, as investors made bets that interest rates would fall next year and the probability of a soft landing in the economy increased.

3 simple ways to get serious about your pension contributions now

Reports suggest that UK workers only become seriously engaged in pension planning after age 36. Here are three key retirement steps to take, whatever your age.

3 important reasons why frozen and falling thresholds make planning as a couple more attractive than ever

With allowances frozen and some thresholds falling, your clients could see huge financial and non-beneficial benefits from planning as a couple. Here are three.

Market Commentary: Monthly Bulletin October 2023

Markets were negative for October, as higher bond yields and geo-political uncertainty put pressure on equity valuations.

3 simple lessons on the importance of intergenerational planning

With the great wealth transfer underway and Inheritance Tax threshold freezes raising billions, read why intergenerational planning is so important.

3 key factors to help you bridge the gender gap and embrace investing

While the number of female investors appears to be rising, reports suggest that a gender gap still exists. Here are factors to consider to help you bridge it.

Market Commentary: Monthly Bulletin September 2023

Markets were mixed over the month, as the higher oil price raised concerns that inflation could be harder for central banks to tame, meaning interest rates could remain higher for longer.

What is “unretirement” and what does its rising popularity mean for your long-term plans?

With record numbers of over-50s in employment and the government incentivising a return to the workplace, “unretirement” is rising in popularity. But is it right for you?

How financial advice factors happiness into your clients’ long-term plans

At Boolers, our expert advice considers our clients’ emotional wellbeing and life goals, acknowledging the link between financial security and happiness.

How to decide whether a SIPP or SSAS is right for you

Self-invested personal pensions (SIPP) and small self-administered schemes (SSAS) are tax-efficient and flexible. Could a SIPP or SSAS be right for you?

How financial advice can offer reassurance to nervous investors

Managing investment risk and reward isn’t easy and can even be daunting for more nervous investors, but expert financial advice can help. Here’s how.

Market Commentary: Monthly Bulletin August 2023

August has been a negative month for markets, due to the heightened volatility concerning China’s economic growth prospects combined with a potential slowdown in developed markets, because of higher interest rates.

3 important times when a financial planner can add value and help your clients

Speaking to a financial planner could help your clients avoid these three common money mistakes, adding significant value over the course of their lives.

Market Commentary: Monthly Bulletin July 2023

Markets rebounded strongly after a slow start to the month as core inflation numbers continued to remain sticky and economic data remained positive, despite rising interest rates.

3 useful ways to cut Inheritance Tax and leave more money to your loved ones

As the Treasury’s Inheritance Tax receipts rise, take a look at 3 simple ways to cut your liability and leave more of your wealth to loved ones.

Quarterly (and Half-Year) Market Update

Equity markets continued their gradual but positive progress over the second quarter, lifting portfolios further from their September lows.

Why the cost of living crisis has made advice more important than ever

A recent survey has shown that clients and planners consider reassurance a key part of their relationship, especially during the cost of living crisis.

How slow-falling inflation and a rising base rate could damage your finances

Slow-to-fall inflation has seen the Bank of England raise its base rate again. But what links the two figures and what does that link mean for your finances?

Market Commentary: Monthly Bulletin May 2023

Market indices remained mixed over the month, with developed countries showcasing positive returns as better than expected economic data across US, UK and Europe provided markets with optimism amid an uncertain economic backdrop.

What rising interest rates really mean for your clients’ savings and Investments

The Bank of England has raised its base rate again, but what do rising interest rates mean for you and your clients' savings and investments?

Why half of recent retirees have the wrong approach to managing pension income

Expert financial advice is crucial for managing your pension income, especially since Pension Freedoms. Read why the 47% of over-55s who disagree are wrong.

3 important factors to help your clients make better at-retirement decisions

The at-retirement decisions your clients make could affect their lifestyle for the next 30 years or more, but expert advice could give them peace of mind

Market Commentary: Monthly Bulletin April 2023

Markets were overall mixed in the month of April, as global inflation continued to remain sticky, and companies began reporting their earnings for the first quarter of 2023. The performance of the main indices are highlighted below.

3 important spring Budget changes for 2023 and what they mean for you

Jeremy Hunt used his spring Budget to deliver a plan for economic growth that will affect business owners and retirees alike. Here are 3 of the main changes

Market Commentary: Monthly Bulletin March 2023

It was a difficult month for markets after events in the global banking sector caused investor panic, but they recovered well in the final few weeks to end the first quarter of 2023 in positive territory.

Investment Update March 2023

The last week has returned many thoughts and comparisons back to the Global Financial Crisis (GFC) of 2008. The GFC was created from a systemic flaw in the banking system, which had become too indebted and dependent on illiquid, hard to trade assets that turned out to be linked to the housing market. We are fully aware of the market volatility that followed and unprecedented levels of Central Bank intervention, which we are finally unwinding.

Why changing attitudes to money could cause conflict during the great wealth transfer

The great wealth transfer will see £5 trillion pass between generations, but conflicting attitudes between baby boomers and Gen Z could cause problems

3 reasons to focus on your goals despite the FTSE 100’s all-time high

Despite stock market volatility and global economic woes, the FTSE 100 topped 8,000 points in February. What does that mean for your investments?

Market Commentary: Monthly Bulletin February 2023

After a relatively positive start to the year, markets pared back their gains in February, following a series of growth, labour market and inflation surprises which sparked fears that interest rates may peak at a higher level than investors first anticipated.   

Why early financial advice is key when managing a divorce

Divorces are on the rise in the UK, yet only around 13% include a pension split. Early financial advice could be the key to ensuring an equitable settlement

Why you need to check in with your business protection now

The UK economy in 2023 could mean a tough time for your business but maintaining or revisiting the business protection you hold could relieve your worries

Market Commentary: Monthly Bulletin January 2023

Financial markets started the year on a firm footing, with both global equities and bonds moving in a positive direction.

Why your clients’ retirement goals might be unrealistic and how advice can help

A recent survey finds a disparity between adviser and investor confidence in clients' retirement goals but financial advice can ensure plans are realistic.

How to bridge the menopause retirement gap in your business

The menopause retirement gap and wage inequalities are causing women to retire with inadequate pension savings, but financial advice can help

Market Commentary: Monthly Bulletin December 2022

Markets finished 2022 on a mixed note, on what has been a volatile year for investors.

7 new year resolutions to help form better financial habits in 2023

New year resolutions are a great opportunity to step back and make small but habit-forming changes that will make a real difference to your finances in 2023.

What the autumn statement means for you

Jeremy Hunt recently delivered his autumn statement, announcing £55 billion of tax rises and spending cuts. How will his announcements affect your finances?

Market Commentary: Monthly Bulletin November 2022

As we come towards the end of the year, financial markets continued to recover, following signs of peaking inflation despite headwinds from an ongoing tighter monetary policy regime.

The importance of estate planning this National Grief Awareness Week

December’s Grief Awareness Week is a time to have open discussions about death, but it can also be a great time to get your estate planning in order.

What does rising inflation mean for your small business and personal finances?

With inflation high currently, and set to rise further, what do rising prices mean for your small business and how can financial advice help?

Market Commentary: Monthly Bulletin October 2022

Markets were mixed for the month of October as investors reacted to the start of Q3 earnings season and speculation grew on where interest rates would likely peak in the US.

How to use your pension to help buy the business property you need

SIPPs and SSASs can be used as tax-efficient alternatives to bank loans or business overdrafts to help purchase business property. Find out how

What do the energy cap and the mini-Budget mean for you and your business? 5 key points to consider

Liz Truss and Kwasi Kwarteng have set out their plans to tackle rising living costs and energy bills. Read what their mini-Budget announcements mean for you

September Market Update

Given events of the last few days we have decided to bring forward our monthly market commentary to hopefully provide a degree of comfort to clients.

How financial advice could help your self-employed clients realise their dream retirement

Pension take-up among the self-employed is comparatively low but saving toward retirement now could make a huge difference to your clients. Read how Boolers can help.

How to manage the cost of living crisis as a high earner

As a high earner your financial resilience might shield you from the cost of living crisis, but there are important factors to consider. Read 3 of them here

Market Commentary: Monthly Bulletin August 2022

After a positive start to August, markets gave up some gains in the final week of the month, as investors reacted to Federal Reserve Chair Jerome Powell’s hawkish stance on US interest rates.

How to weigh up your options as you approach the Lifetime Allowance

The Lifetime Allowance could see you charged up to 55% of your excess pension funds at retirement but we can help you to weigh up your options. Read how

Why nearly half of financial advisers worry their pensioner clients are withdrawing too much

Managing pension income can be tricky, especially during economic uncertainty, when withdrawing too much could have the biggest consequences for your clients

Market Commentary: Monthly Bulletin July 2022

Markets continue to trade on choppy waters against a backdrop of weaker growth and tighter financial conditions. Economic data further evidencing a slowing global economy, led to markets increasingly pricing in interest rate cuts at the beginning of 2023, which supported risk assets in some geographical regions over the month.

Wall Street has slipped into a bear market – What does this mean for your clients?

As the S&P 500 is confirmed as a bear market, read what that means for UK investors and how financial advice could help your clients remain calm.

Your 7-step guide to the Lifetime Allowance

The Lifetime Allowance is nearly £800,000 below its peak and frozen until at least 2026. As more people become liable for a charge, read your seven-point guide.

5 ways to combat rising costs as a business owner

As the cost of living continues to affect global economies, read 5 simple ways to cut costs as a business owner to help your company and its employees

How financial advice can help the sandwich generation to embrace midlife

Those in the sandwich generation are facing an inflation triple hit as they support themselves, their children, and elderly parents. Financial advice can help

Market Commentary: Monthly Bulletin June 2022

Markets continued to remain volatile the over the month, as investors questioned the ability of central banks to combat inflation successfully, without causing a global recession.

3 simple ways financial advice can help your business owner clients during the cost of living crisis

The cost of living crisis is leaving millions of Brits struggling financially and emotionally, but what does it mean for your business owner clients?

Why time in the market matters

As global economic uncertainty affects stock markets here and abroad, read why it’s time in the market not timing the market that matters most.

Why the UK has the highest inflation rate of the G7 and what this means for your finances

Inflation in the UK is at its highest level for 40 years. But why are prices rising faster in this country than elsewhere in the G7? Find out here

How to open the Bank of Mum of Dad during the cost of living crisis

Research suggests 1 in 7 parents are supporting children financially through the cost of living crisis. Here’s how to make sure doing so doesn’t affect your own plans

Market Commentary: Monthly Bulletin May 2022

Market volatility remained elevated during May, as hawkish pivots by Global Central Banks continued to pressure investor sentiment and signs of softening in economic data weighed in on market movements.

3 simple ways to avoid getting caught as the Inheritance Tax net widens

With allowances currently frozen, Inheritance Tax receipts are expected to exceed £37 billion between now and 2027. Read 3 ways to lower a potential liability

Why maintaining pension contributions is key as UK workers face the cost of living crisis

As the cost of living crisis continues, UK adults are facing short-term barriers to retirement saving, but maintaining pension contributions is key

How to spot “greenwashing” and what it means for you and your investments

As interest in the climate crisis grows, you might look to align your investments with your values on green issues, but you'll need to be wary of "greenwashing"

Living to 100 – How to plan effectively as life expectancy rises

As UK life expectancy rises, planning for your retirement gets trickier. Find out how Boolers can help you manage your pension during a 100-year life

Market Commentary: Monthly Bulletin April 2022

Bonds versus shares: Finding the “right” asset allocation for your clients’ ISAs

In the current economic climate, investment can be one way to see inflation-beating returns aligned to individual goals but asset allocation is key. Here’s why.

Why new “no blame” divorce laws could undermine pension sharing on divorce

Changes to divorce laws in England came into effect in April 2022. But could the changes undermine pension sharing and see your female clients worse off?

Revealed: Why your business needs to raise its alert level on SME scams

Scams are on the rise, with UK Finance reporting that SME scams cost businesses £59 million during the first half of 2021. Read how to keep your business safe

6 valuable benefits of giving while living

There are financial and non-financial benefits to giving while living. Here are 6 reasons why you might gift a living inheritance to your loved ones

Quarterly Market Update: April 2022

Normally, we wait until the quarter-end performance figures are available before compiling our commentaries. However, due to pace at which events are developing in Ukraine, we thought it appropriate to provide our latest commentary at the earliest opportunity.

Why the FCA’s clampdown on social media promotions is good news for your clients

The FCA is looking to clamp down on influencer-fronted social media ads for investment “opportunities”. Read why that’s such good news for your clients.

How to protect businesses against the death of a director or partner

Many businesses hold debt in the form of mortgages or loans, but many haven’t protected that debt against the unexpected. Here’s why they should, and how.

Revealed: What the Bank of England base rate rise means for your finances

As the Bank of England announces a base rate increase to 0.75%, read about what has prompted the rise and what it might mean for your finances.

3 practical reasons to plan your finances as a couple

While reports suggest that money is the main cause of arguments in relationships, there are benefits to organising your finances as a couple. Here are three of them.

Market Commentary: Monthly Bulletin February 2022

Markets were more volatile this month, as Russia began what appeared to be a ‘full-scale’ invasion of Ukraine and investors assessed the potential short-term and long-term impacts of the invasion on risk assets.

5 important factors to consider when passing a family business to the next generation

Passing on a successful family business to the next generation requires careful planning, strong leadership, and transparent communication. Boolers can help

Why your clients’ pensions are probably their biggest asset and what this means for their retirement

Research confirms your clients’ pensions are likely to constitute the largest proportion of their wealth. What does this mean for their retirement plans?

Boolers are delighted to be part of Charity Link’s Proud Business Supporter Club

As part of our ongoing commitment to support local charities, Boolers are delighted to be part of Charity Link’s Proud Business Supporter Club.

Ukraine Conflict – Update

We felt it was appropriate to provide an update on the situation in Ukraine as well as our investment perspective, following the rapid escalation of hostilities this week and overnight.

Revealed: 5 tax-efficient tricks for topping up your pension

You'll need to make the most of your pension's tax efficiencies if your retirement dreams are to become a reality. Here's how in five simple steps.

5 practical tips for tackling the cost-of-living crisis

With high inflation, low interest rates, and soaring energy bills, the UK is in the midst of a cost-of-living crisis. Read 5 tips to help you cope

Market Commentary: Monthly Bulletin January 2022

Mounting risks dictated markets at the beginning of the year, amid a backdrop of ongoing inflationary pressures and tightening of central banks’ monetary policy. In addition, political unrest between Russia and the West and the potential implications for gas supply, also weighed on investor sentiment in the latter part of the month.

Sponsorship of Tigers

Boolers are pleased to announce a new sponsorship partnership with Leicester Tigers and in particular the Club’s Number 8 South African International, Jasper Wiese.

Revealed: The 3 biggest threats to your clients’ personal finances in 2022

As the UK's economic recovery continues, “stealth” taxes, rising inflation, and new Covid variants could all affect your clients’ personal finances this year

How financial advice helps your clients make long-term plans well beyond the pandemic

The coronavirus pandemic has changed the retirement plans of more than half of UK adults. Here’s how good financial advice could make changes unnecessary

Why your 8% pension withdrawals are unlikely to be sustainable

Your pension is designed to provide an income for life. Keep a close watch on your budgeting to ensure that your pension withdrawals are sustainable

How to balance your staff and business needs in 2022

As your business adapts to flexible working and other post-pandemic norms this year, here’s how to balance your business needs with those of your workforce

Market Commentary: Monthly Bulletin December 2021

In general, equity markets continued their move higher last month, ending on a strong note, on what has been a very positive year for stocks.

5 financial lessons we learned in 2021

2021 has been marked by tax freezes, petrol shortages, and a continuing return to normality. The year has also taught us these five important financial lessons.

Revealed: Why even your clients’ £600,000 pension could be at risk from the Lifetime Allowance

With the Lifetime Allowance frozen until 2026, even modest pension growth could see your clients facing a 55% charge on pension funds that exceed the allowance.

Is the Cash ISA still a viable option?

With the ISA Allowance stuck at £20,000 and interest rates low, Cash ISAs are experiencing record outflows. Are they still a good option for your money?

Why you should seek pension advice before accessing your funds flexibly

Pension Freedoms legislation gives you choice when accessing your funds, but also increases the need for professional pension advice. Read how we can help you.

Market Commentary: Monthly Bulletin November 2021

As we edge closer the end of another unpredictable year, markets have continued to perform well, overall. Covid hospitalisations in parts of Europe gripped headlines through November, as a sharp rise in cases led to the reintroduction of tighter restrictions in many countries.

Divorce and the pension wealth gap: How advice can help your clients get their fair share

Getting a divorce is stressful but professional financial advice could make a big difference to your clients, helping to ensure they get a fair share

How gifting to a charity can help your clients lower their tax bill

Gifting to a charity can benefit a good cause while also being tax-efficient, either through lowering your clients’ liability or even the rate they pay

What do recent tax rises mean for business owners?

Following many big tax changes this year, read what rising Corporation and Dividend Tax, and the new Health and Social Care Levy mean for you and your business.

Your guide to financial wellbeing

Reports suggest that Brits’ financial wellbeing has taken a hit post-lockdown, but what is it and what can Boolers do to help you get back on track?

Market Commentary: Monthly Bulletin October 2021

Overall, markets had a positive month in October, with many major indexes building on strong gains for the year and reaching new all-time highs.

Understanding long-term investment – Capacity for loss versus attitude to risk

With interest rates low and inflation high, your cash savings could be losing value. Investment could be the answer but is it the right option for you?

The pros and cons of working for longer: Your guide to phased retirement

More Brits than ever are working into their 60s. Whether through choice or necessity, good planning can help you make the most of your phased retirement.

Everything you need to know about the 2021 Autumn Budget

Rishi Sunak has delivered the 2021 Autumn Budget. Here’s everything you need to know about the chancellor’s announcements and what they mean for you

Everything your clients need to know about the rise in Dividend Tax

The recently announced rise in Dividend Tax will affect investors and business owners alike. Here’s how advice can help mitigate the impact.

How Business Relief could lower your clients’ Inheritance Tax liability

Recent tax changes may be about to tighten purse strings, but Business Relief could help your clients lower their Inheritance Tax liability. Here's how.

Happily, ‘Evergrande’ after?

Financial markets have continued to deliver positive returns amid a backdrop of geopolitical headwinds and the ongoing global pandemic.

Market Commentary: Monthly Bulletin September 2021

As we head towards the end of the third quarter of 2021, September saw some earlier years gains erased amid continued supply chain disruptions and rising inflation, despite this developed market indices remain on strong footing with growth stocks returning 12.2% and value returning 14.4% year-to-date.

Could your clients’ wills be contested after their death?

The number of wills being legally challenged is on the rise, but good estate planning and clear communication could prevent this. Here’s how Boolers can help

4 key times a financial planner can add value for your clients

There are many key moments and life milestones, both unexpected and planned, when a financial planner can add real value for your clients. Here are 4 of them

Your guide to the Health and Social Care Levy

As the government announces a National Insurance rise, labelled a “Health and Social Care Levy”, read your guide to what is changing and what it means for you

Will your child’s Junior ISA cover their student debt – and does it need to?

As universities restart, you might worry about student debt. You might even consider paying your child's tuition fees outright. But is this the right choice?

Earnings – here for the win?

As the global economy continues to find its footing, Q2 US earnings have continued to support upside in equity markets.

Market Commentary: Monthly Bulletin August 2021

Markets enjoyed a positive August, recovering from the mid-month jitters to perform strongly and build on the returns already made so far this year.

How your millennial clients could benefit from financial advice

Those aged under 40 belong to the first generation in decades to be worse off than their parents. Here’s how financial advice could help your millennial clients.

3 reasons why your business-owner clients need a Business Power of Attorney in place

A Business Power of Attorney can protect your clients and their business against the incapacity of an owner, director, or partner. Read how here.

How ESG investments can reduce your carbon footprint

There are many steps you can take to live more sustainably. One of the most impactful things you can do is to consider ESG investments for your money.

3 reasons why you shouldn’t save for your child’s future using cash alone

Recent reports suggest that 80% of parents saving for their children are doing so exclusively in cash. Read three reasons why this might not be the best option.

Market Commentary: Monthly Bulletin July 2021

Markets continue to tread on choppy waters, as the delta variant causes headwinds, particularly for emerging markets.

5 ways your clients can reduce their Inheritance Tax liability

Estate planning can be a tricky thing to talk about and to get right, but doing so can significantly reduce the Inheritance Tax liability that is left behind.

Why it’s never too late for your clients to start paying into their pension

Rising numbers of Brits are getting married, having children, and buying a home later in life, but it’s never too late to start contributing to a pension.

ESG factors and the future of sustainable investing

As ESG investing goes mainstream, aligning your portfolio with your values on environmental, social, and governance issues doesn’t mean sacrificing returns.

3 reasons not to take tax-free cash from your pension

The opportunity to take tax-free cash from your pension might be difficult to pass up, but there are benefits to not taking it too. Here are three of them.

Market Commentary: Monthly Bulletin June 2021

As the second quarter draws to a close, markets continue to gain traction (notably in the US), as economies gradually re-open and many countries progress with their mass vaccination programs.

Revealed: What your clients aged over-55 plan to do with their money post-pandemic

As lockdown restrictions lift, retirees plan to make the most of their freedom. Read how Boolers can help your clients tick items off their bucket lists.

What would a rise in inflation mean for your clients?

Inflation doubled in April compared to the previous month and rose again in May. What does this, and the economic forecast, mean for your clients' finances?

Why the traditional annuity is still a viable pension option

Pension Freedoms brought added flexibility and the number of traditional pensions dropped. Here’s why an annuity might still be a good option.

5 simple ways to protect yourself against the “fraud epidemic”

Nearly eight million of us have been approached by pension scammers, and coronavirus has made the “fraud epidemic” worse. Read five simple ways how to protect yourself.

Market Commentary: Monthly Bulletin May 2021

Following a particularly strong April markets had a mixed month in May, although underlying performance has been heavily influenced by movements in currency markets.

Why your clients should think twice before taking investment tips from social media

The number of investors taking their investment tips from social media is on the rise. Here's why we think your clients would be better off speaking to us.

How will the chancellor’s Lifetime Allowance freeze affect your clients’ retirement fund?

The chancellor’s Lifetime Allowance freeze is expected to raise nearly £1 billion for the Treasury, but at what cost to your clients’ retirement plans?

5 reasons to put a will in place now

Writing a will is the best way to make sure your wishes are carried out on death and yet 59% of us don’t have one. Here are 5 reasons to put one in place now

The rise of “all-or-nothing” retirement

The pandemic has affected all our finances differently and led to a rise in “all-or-nothing” retirement. Read your guide to the pros and cons of both options.

Market Commentary: Monthly Bulletin April 2021

Markets began the second quarter in the same manner that they ended the first, as most moved pleasingly higher.

The dangers of decumulation: How advice can help your clients manage their retirement income

Reaching retirement is a life milestone, but the hard work doesn't end there. Read how Boolers can help your clients manage their retirement income.

The importance of getting more women engaged in retirement planning

A recent report suggests women could be £100,000 worse off in retirement than men with comparable savings rates and career lengths. Here's how Boolers can help.

What the future rise in Corporation Tax means for your business

The chancellor used his spring Budget to announce a rise in Corporation Tax due to come into force in 2023. What could the change mean for your business?

How the chancellor’s Budget allowance freezes will affect your finances

Last month’s Budget included several allowance freezes designed to help claw back the government's coronavirus spending. Here's what they mean for your finances

Market Commentary: Monthly Bulletin March 2021

March has proven to be a more positive month for equity markets with broad indices posting good levels of gains to end the quarter on a high for investors.

Junior SIPPs vs Junior ISAs: The best way to save for a child

If your clients are looking to save for a child or grandchild, our team of finance professionals can help decide the best way to do it.

5 tips for controlling emotional spending and how professional financial advice can help

Emotional spending is on the rise. Find out how simple budgeting techniques and a long-term plan could help your clients better manage their finances.

How to support your child through the pandemic without jeopardising your long-term plans

It is natural to support your child if they are struggling financially during the pandemic. But how do you do so without affecting your own long-term plans?

5 valuable lessons for new investors

The pandemic has increased savings for many, but with rates low, you might be tempted to move into investments. Here are five valuable lessons for new investors.

Market Commentary: Monthly Bulletin February 2021

Markets followed a distinctly familiar path this month, rising strongly in the first two weeks before falling back sharply. This time it was not the speculative behaviour of a small number of individuals that caused a sell-off but something much more fundamental.

Why your business-owner clients need key person protection in place now

After a challenging year for business owners, your clients might be looking to cut back on their spending. But can they afford to be without key person protection?

3 non-financial benefits of “giving while living”

Rather than leaving a traditional inheritance on death, here are three reasons why your clients might consider the concept of “giving while living”.

4 reasons why you might opt to take your pension as a last resort

Approaching retirement age might mean deciding how to take your pension. But have you considered the potential benefits of not taking it at all?

3 reasons people are wrong about financial protection

Protection products can offer financial stability for you and your loved ones but there are myths surrounding protection too. Here’s why they are wrong.

Market Commentary: Monthly Bulletin January 2021

Despite a very strong start to 2021, markets gave up these gains in the final week of January, ending broadly flat.

How does our UK pension system rank globally, and what does it mean for your clients?

A recent report ranks the UK pension system 15 out of 39 globally. What does that what for your clients’ retirement plans? And how can Boolers help?

3 financial lessons we learned in 2020

After a tough year that saw restrictions placed on our liberty and a threat to our health, here are three financial lessons we can take from 2020.

Why you should be careful if you own a cash-rich business in 2021

The government's Covid support packages might have helped make 2020 more manageable for your business. But be wary of heading into 2021 cash-rich

5 financial new year’s resolutions for 2021

As we head into a new year, now is a great time to make some financial new year's resolutions. Here are five to consider, plus how to keep them.

Market Commentary: Monthly Bulletin December 2020

Whilst not as rewarding as November, equity markets continued their move higher last month allowing us to wave goodbye to a difficult year on a positive note.

Teaching your clients the value of intergenerational planning

Getting to grips with intergenerational planning and the complexities of Inheritance Tax liabilities can be tricky. Here’s what your clients need to know.

4 reasons why stopping pension contributions can have a huge long-term impact on your clients

Coronavirus has forced many UK workers to halt pension contributions this year. Here’s why your clients need to restart them as soon as they can.

How to make sure your investments are working for you

Low interest rates mean your savings might not be keeping pace with inflation. Investments might be the answer, but how do you ensure they are working for you?

4 signs you’re overdue a financial check-up

Annual reviews are important to ensure your plans are still on track, but there are other signs that you might be due a financial check-up. Here are four of them.

Market Commentary: Monthly Bulletin November 2020

Finally, some real progress! Global equity markets advanced significantly higher through November, buoyed by two key events.

The hidden employee benefits your clients should replace if they are made redundant

Regular income is not the only thing your clients could lose if they're made redundant. They might have useful employee benefits to replace too

How nudge theory could help your clients increase their retirement savings

Behavioural psychology could help young people increase their retirement savings, plus three other useful tips to help your clients avoid a pension shortfall

5 ways to make a tax-efficient donation to a struggling charity this winter

The coronavirus pandemic has hit charities hard, with events cancelled and shops forced to shut. Here are five ways to make a tax-efficient donation this winter.

What would scrapping the State Pension triple lock mean for your retirement plans?

The State Pension triple lock ensures a fair rise for pensioners every year. But it could be scrapped. What would that mean for your retirement plans?

Market Commentary: Monthly Bulletin October 2020

October has been a negative month for markets, with heightened levels of volatility as three topics occupying investors’ minds come sharply to the fore.

3 simple budgeting tips to prevent your clients from opening the Bank of Son and Daughter this autumn

For some, lockdown meant a chance to save. Others struggled financially, opening the Bank of Son and Daughter. These three simple budgeting tips could help

The protection products your clients need to withstand a financial shock

With protection policies in place, your clients and their families will have peace of mind that they won't struggle financially if the unexpected happens

How financial advice can improve your emotional wellbeing

Receiving regular advice can have a significant impact on your financial outcomes. But it can also help to improve your emotional wellbeing too. Here's how.

3 scary mistakes for Business Owners to avoid this Halloween

We're halfway through the tax year and on the cusp of Halloween. After an unprecedented year for business owners be sure you're not making these scary mistakes.

What the change in pension age means for your clients and their retirement plans

The minimum pension age will rise from 55 to 57 in 2028. Find out what that means for your clients due to retire after April 2028 and how we can help.

Why risk aversion could be costing your clients money

High-risk investment strategies can mean big returns, but also big losses. But risk aversion could mean your investment loses value in real terms.

A Child Trust Fund: What is it? And what should your child do with their money?

As the first Child Trust Funds mature, read your guide to what they are, how much your child might be due to receive, and what they should do with their money.

What will proposed reforms to the Retail Price Index mean for your pension savings?

Proposed reforms to the Retail Price Index would see it replaced by a variant of the Consumer Prices Index. Here’s what it could mean for your pension savings.

Investment Commentary: Monthly Bulletin August 2020

After a disappointing end to July markets trended higher through August with risk assets rebounding well.

5 things your clients need to consider when accessing their pension at 55

Although it might be tempting to take your pension at 55, it's a decision that could have long-term consequences. Here are five things to consider.

How to create a successful financial services solution for you and your clients

A Joint Venture allows you to provide financial services under your own branding. Here's how financial services can enhance your client relationships.

What’s the best way to save for your child or grandchild?

If you’re looking to help your child or grandchild financially, you’ll have some important decisions to make. Here are five ways you might provide a nest egg.

Approaching retirement checklist: 5 things to do in the run-up to retirement

You’ve spent decades saving for retirement, but the last few years could be the most crucial. Here are five things to tick off your retirement checklist.

Bull and bear markets explained

Your clients might have heard the terms before, but what is a bull and bear market? Or a bear market rally? And what do they mean for your client’s investments?

Your guide to pension death benefits

Pension death benefit rules can be complex. Read your guide to helping clients understand what happens to their pension when they’re no longer around.

What is investment bias, and could it be costing you money?

Investment bias could be negatively impacting on your investments. We can help identify these subconscious biases, giving you confidence in your decision-making.

Business Protection Insurance: Can you afford not to have it?

Guarding against the death of a director or key employee could provide security if the unexpected happens. Here's why you need Business Protection Insurance.

Can business owners borrow from their pension?

Some products allow clients to lend and borrow from their pension, but strict rules apply. Which products allow it, and what are the risks for your clients?

Coronavirus and the housing market – what does the industry predict for the rest of 2020 and beyond

The coronavirus pandemic put a freeze on the housing market. As it reopens, hear what the sector is forecasting, and what that might mean for your clients.

Is pension consolidation right for you?

If you have several pension schemes, all held with different providers, you might be considering consolidating them. Is it the right choice for you?

The questions you should ask yourself before opening the Bank of Mum and Dad

If your child is looking to get on the property ladder, you’ll want to help financially if you can. But be sure you answer these key questions first.

What does investment volatility mean for your plans?

Recent investment volatility may have affected your portfolio. It’s important to keep a long-term perspective and your goals in mind.

The pros and cons of your Pension Freedom options

If you’re nearing retirement, how you access your pension is a key consideration that could affect income for the rest of your life.

What is the economic recovery going to look like, and how will it affect investment markets?

After a fall of 5.8% in UK GDP in March, the UK is heading for recession. But what will the economic recovery look like when the pandemic eases, and how will it affect investment markets?

Coronavirus and pensions – what does the pandemic mean for a client’s retirement plans?

Stock market volatility, reductions in dividends and the closure of many businesses may have led clients to worry about their retirement. Here’s what they need to know about coronavirus and pensions.

Investment Commentary: Monthly Bulletin April 2020

It is pleasing to see that April, in the main, has been a strong month for global equity markets despite some renewed weakness on the final day of the month.

Beware: Scammers are using the current crisis to part you from savings

Scammers are using the current climate of uncertainty to target victims, we explain some of the ways they’re doing this and the steps that can help prevent being scammed.

What is a Power of Attorney and why do you need one?

Have you named a Power of Attorney yet? If not, we explain what the legal document is and why it’s an important part of your long-term plan.

Everything you need to know about the 2020/21 tax year, and why it can benefit your clients to use their allowances early

Now we’re in a new tax year, it’s a good time to maximise the use of the available allowances and exemptions. Here’s what clients need to know.

Your complete guide to government support for business during the pandemic

During the coronavirus pandemic, the Chancellor has announced several packages offering government support for business. Here’s your guide to the help available.

Market Update

Following last week’s more upbeat market update, this weeks’ review has more of a sobering tone for markets, investors and the wider public in general.

What is ESG investing?

ESG investing is on the rise as more investors aim to incorporate values into their portfolio. There’s more than one way of doing so.

The impact of taking a pension break on retirement plans

A pension break can harm your retirement plans whether voluntary or not. But taking some time to understand the impact can mean your aspirations stay on track.

5 Budget changes your clients need to know about

In his first Budget as Chancellor, Rishi Sunak announced a range of new measures. From business support to ISA allowances, here are the Budget changes you and your clients need to know about.

Coronavirus and finances – How you can reassure clients

It’s been a turbulent time for stock markets in recent weeks. So, here’s a guide to the coronavirus and long-term investing and what you can say to reassure clients.

Market Update

As the current Coronavirus situation and market reaction deepens, and mindful that many of our clients will have received letters from us regarding portfolio valuations, we feel that it is necessary to continue to keep clients fully informed throughout this period of uncertainty.

Investment Commentary: Monthly Bulletin February 2020

Since our January update was issued, global equity markets have experienced a significant downturn...

Coronavirus Update

We are only several weeks into 2020 and we are now faced with a significant level of uncertainty and volatility in global equity markets due to Coronavirus.

Protecting your family: The 3 protection policies to consider

If you’re starting a family, looking at your long-term financial security is important. Part of this should include assessing if financial protection could provide a safety net.

Have you planned for potential care costs?

As we live for longer, more people need some form of care in their later years. If it’s not something you’ve considered, it may be worth reviewing your retirement finances.

Investment Commentary: Monthly Bulletin January 2020

Despite starting with great promise, events conspired to turn sentiment off slightly through January, as a series of non-finance related issues dominated news flow.

Creating income flexibility if you have a Final Salary pension

A Final Salary pension can provide stability in retirement but that doesn’t mean you can’t create a flexible income stream that suits you.

1 in 3 self-employed workers financially vulnerable: 4 ways to improve your financial security

Research suggests self-employed workers are often financially insecure, but there are steps you can take to improve resilience.

Investment Commentary: Monthly Bulletin December 2019

The final month of 2019 was very positive for our own market and the exact opposite to the end of the previous year.

How much is ‘enough’ when selling your business?

Are you planning to sell your business? Knowing when to accept an offer can be difficult but it’s one that should be influenced by your plans.

Back to basics: The investing fundamentals

Whether you’re just starting to build your investment portfolio or are a veteran, there are some important things we should all keep in mind amid volatile markets.

M&G Property Update

M&G announced the temporary suspension of trading within its Commercial Property fund. Please read on for more information.

Investment Commentary: Monthly Bulletin November 2019

Markets traded higher through November, lifted by more positive rhetoric in the ongoing US-China trade talks.

Phased retirement: The financial implications to consider

More retirees are choosing a phased approach to giving up work. But there are financial implications to consider if you’re thinking about phased retirement.

7 ways to reduce Inheritance Tax and leave more for your family

The amount of tax being paid on death has risen in recent years. But there are things you can do to reduce Inheritance Tax and leave more to loved ones.

Investment Commentary: Monthly Bulletin October 2019

October has been a mixed month for markets with the UK ending lower and for domestic investors, a strengthening Sterling negating the gains made in Global markets.

Growth vs income: How investment strategies differ

When it comes to investing an important question to answer is; growth or income? Investment aspirations should have an impact on how you invest your hard-earned savings.

Do you know when you’ll be able to retire?

When can you afford to give up work? As the State Pension age rises, you should calculate the income you can expect to receive from pensions and other assets.

Investment Commentary: Monthly Bulletin September 2019

Global Equity markets recovered much of their previous month’s losses through September, especially across developed markets.

Could your business benefit from key person and shareholder protection?

Could your business survive without you or another key member of the team?

Pensions and divorce: 3 options to consider

Pensions are increasingly becoming a topic of discussion during divorce. They’re likely to be among the largest assets you have, so how do you go about splitting up a pension?

Boolers Take Top Prize at National Awards Ceremony

We are delighted to announce that Boolers have won ‘Retirement Adviser of the Year’ at the annual Moneyfacts Awards.

Investment Commentary: Monthly Bulletin August 2019

Global Equity markets retreated in August as trade tensions between the US and China intensified and closer to home Brexit, took another new twist.

How to improve confidence in your investment decisions

Some seven in ten people altered their investment portfolio after experiencing a period of volatility. However, making adjustments due to a lack of confidence in your overall plan could affect returns.

Using your pension to help loved ones: 5 things to do first

Are you thinking about using some of your pension to offer a helping hand to loved ones? It could have implications for your long-term financial security.

Investment Commentary: Monthly Bulletin July 2019

Markets continued their trend higher through July, buoyed by an expected interest rate cut in the United States and a soothing of tensions in the on-going trade talks with China.

What should you do if the value of your pension falls?

Seeing the value of investments fall can be a cause for concern, particularly when it’s your pension. So, should you take action if you experience investment volatility?

Summer savings: Getting the most out of your money

Planning how you’ll save over the rest of the tax year now, can mean getting the most out of your money. The first question to ask is whether you should use a cash account or invest.

Investment Commentary: Monthly Bulletin June 2019

Global equity markets rebounded strongly in June, following a brief pause in May, bringing a close to a very successful first half of the year for investors.

Seven tax-efficient allowances to keep in mind

Do you use your tax-efficient allowances effectively? UK tax rules can be complex, but understanding what allowances you have could save you money every year.

Retirement income options

With more options than ever before, it’s crucial that you understand the different ways a retirement income can now be built before accessing a pension.

Investment Commentary: Monthly Bulletin May 2019

In broad terms May saw a return to a risk off environment with Fixed Income performing well and equity markets giving up some of their strong gains year to date.

Everything you need to know about gifting and Inheritance Tax

45% of people making gifts were aware of the potential Inheritance Tax implications.

The pros and cons of using your pension lump-sum to pay your debts

One in five UK citizens is expected to retire with an average debt of £33,900.

The ease of accidentally over-funding your pension

If you're accidentally over-funding your pension, you could be receiving an unwelcome tax bill.

The value of financial planning

There are, of course, financial benefits. But, financial planning adds much more value to our everyday lives.

Investment Commentary: Monthly Bulletin April 2019

April has seen a continuation to the strong start to 2019, with equity markets recovering.

Investment Commentary: Monthly Bulletin March 2019

Markets once again posted positive returns through the month of March, capping a strong quarter for investors.

Do you discuss the contents of your will?

A will is a critical document for setting out your final wishes. Yet, almost 6.5 million adults refuse to discuss theirs with loved ones.

Five reasons to consider if a SIPP is right for you

As the responsibility for pension savings continue to shift to individuals, a Self-Invested Personal Pension (SIPP) may be appealing to you.

Investment Commentary: Monthly Bulletin February 2019

February proved to be another volatile month for markets, but ultimately one that saw further gains for the major global indices that built on the strong performance witnessed in January.

Could you afford to unexpectedly retire?

Research indicates that millions of people began retirement sooner than expected following events out of their control.

The best way to access your pension

You’ve reached retirement and it’s time to decide how you’re going to access the money that’s been stored away for the milestone.

Investment Commentary: Monthly Bulletin January 2019

After a dismal end to 2018 for markets, January has been a positive start to the year for investors, albeit with volatility remaining ever present.

Why risk adverse savers need advice

The majority of adults in the UK (56%) describe their attitude to investment risk as either low or zero.

Maintaining your wellbeing in retirement

Your finances and wellbeing are intrinsically linked. On occasion, remaining in control of either might be a challenge.

Investment Commentary: Monthly Bulletin December 2018

December proved to be another torrid month for markets with global equities selling off sharply, compounding a miserable year for investors.

Coping with care costs in retirement

You’ve probably not thought about the cost of care in later life, but it’s becoming an increasingly important part of retirement planning.

The 12 (financial planning) days of Christmas

As festive period approach, take a look at our own take on the 12 days of Christmas.

Investment Commentary: Monthly Bulletin November 2018

Markets consolidated their levels in November after a painful period that’s now being dubbed “Red October”

How long will my money last? The risks of drawdown

Amongst the many considerations when reaching retirement, a key question if you hold a Defined Contribution or Personal Pension plan is “how long will my money last?”

Ten things to consider when Inheritance Tax planning

Estate values have risen over time with house price increases, but Inheritance Tax thresholds have not kept up. So, how can you pass on wealth tax-efficiently?

Exceeding the Lifetime Allowance costs pension savers £102 million

You’re more likely than ever to exceed the Lifetime Allowance, and many are falling foul, last year paying £102 million in tax as a direct result.

Autumn Budget 2018: Were you a winner or a loser?

Will you be better or worse off because of today’s Budget? In a relatively quiet Budget our summary answers that question, please read on to find out.

Autumn Budget 2018: Everything you need to know

Just after 3.30 pm today the Chancellor, Philip Hammond, stood up to deliver the first Budget on a Monday since 1962 and the last before Brexit.

Missed calls from Boolers

We are aware that our telephone numbers are being used by an “ambulance chasing” business in relation to fictitious accidents that mean you are entitled to compensation.

A third of adults would benefit from financial advice

One in three of us could be missing out on making the most of our money and assets by not seeking financial advice.

Unsustainable pension spending increases

Retirees are risking financial insecurity during their later years, figures from the Financial Conduct Authority (FCA) suggest.

Is the Annual Allowance being sacrificed for the NHS?

History has shown that pension contribution allowances have regularly been a tax revenue target. The Annual Allowance; the amount that can be contributed to your pension each year, while still receiving tax relief, has been heavily restricted.

Scam warnings increase, and for good reason

Have you noticed the Financial Conduct Authority’s (FCA) media campaign warning against pension scams? There’s a good reason for it. The frequency and sophistication of pension scams are intensifying.

Six ways to help your loved ones when you are gone

Dying isn’t always an easy subject to discuss with your family, but it’s very important to try and minimise the financial impact and be clear about your wishes.

£300 million over-taxed on pension withdrawals

Pension Freedoms was a big change in the way you can take pension income, coming in to effect in April 2015.

Business owners: Why pensions should be on your radar

As a business owner, making your own pension contributions might be the last thing on your mind.

Over 50s: The issue with avoiding risk

Recent research certainly suggests pension savers attitudes are changing, as over 50s are becoming increasingly risk averse with their investments.

Retirement planning; knowing your number. Five key considerations

Your number is, quite simply, the capital needed to fund your retirement.

The Lifetime Allowance; a real threat that could affect you.

Whilst there is no prescribed limit on the total pension an individual can save, the Lifetime Allowance (LTA) is the effective maximum without triggering tax charges.

Powers of Attorney: Do you have one and why you might be due a refund on your fees if you have

There may be times in your life when you are unable to take important decisions about your finances or how you are cared for. It’s at times like these that a Power of Attorney allows others to make decisions for you and act on your behalf.

Will you have to work until you drop?

Most of us harbour thoughts of a comfortable retirement, spending our later years doing what we want, when we want. However, new research has found that unless something changes, millions of us will never get that chance, instead forced to work until they drop.

SIPP & SSAS: What’s the difference and when should you use them?

For those people, especially business owners, who want more control over their pension and how it is invested, the main two options available are a Self-Invested Personal Pension and Small Self-Administered Scheme.

Final Salary transfers: Why following the herd might be dangerous

Several factors, including the introduction of Pension Freedoms and an increase in the transfer values offered by some schemes, have combined to mean more people than ever are transferring their Final Salary pension to alternative arrangements.

The Benefits of Active Management and Compounding Dividends

2018 has seen the return of the dreaded ‘V’’ word – volatility. Since the beginning of February, investors have been concerned with how interest rates will rise over this year and beyond in comparison to previous expectations. Combined with this, US rhetoric is becoming increasingly more aggressive around protectionism and imposing trade tariffs.

Buying a property in your SIPP: 12 things you need to know

Using a pension is becoming an increasingly popular way for business owners to buy a property, from where they can base their business. Here are 12 things you need to know about buying a property in your pension.

The five secrets to retiring early

The way we retire is changing. Gone are the days of finishing work at 60 or 65, then living a few short years until we chalk up ‘three score years and 10’.

Boolers scoops two prestigious awards

We are delighted to report that Boolers was awarded ‘Best Financial Adviser to work for’ and ‘Best Adviser Website’.

The trap that could cut your pension contributions by 75%

The introduction of Pension Freedoms in 2015 has undoubtedly given pensions a new lease of life. But whilst the way we withdraw money has been reinvigorated, for some people the amount they can pay in has been cut dramatically.

12 things to think about when you inherit money

Receiving an inheritance probably means coping with the death of a loved one. Here are 12 things you should think about if you find yourself inheriting money.

Autumn Budget 2017 Headlines

What changes did the Chancellor, Philip Hammond, make in his second Budget of the year?

Moneyfacts Retirement Adviser of the Year Awards…thank you!

We were delighted to have been so highly placed in the recent Moneyfacts awards

State Pension: When will you get yours and how much will you get?

There’s so much confusion about the State Pension, we thought we’d try and clear up a few things

Retirement Adviser of the Year award: Boolers delighted to be ‘Highly Commended’

The value of financial advice

Investment markets

Government brings forward increase in State Pension age

Commercial property owners – call to action

Boolers shortlisted for prestigious Moneyfacts award

Capped Drawdown Pension Table Changes

10 Things you must think about in the years before you retire

Investing personal monies

Automatic enrolment/Workplace Pensions – upcoming changes

Boolers’ adviser nominated for prestigious award

Pre Election Changes

Investment Commentary: Monthly Bulletin April 2017

9 reasons to buy your business premises in your pension

Spring Budget 2017 – Headlines

Individual Protection 2014 deadline is approaching

FSCS Compensation Limits

What is the Money Purchase Annual Allowance anyway?

Autumn Statement 2016

Has anything good ever come from cold calling?

Government cancels plans to create secondary annuity market

A HM Treasury announcement on the gov.uk website on 18 October 2016 has confirmed plans to extend pension flexibilities to those with pre 2015 annuity policies has been cancelled.

The New State Pension

The new State Pension was introduced for people who reach State Pension age on or after 6 April 2016.

State Pension Top-Up

Between 12 October 2015 and 5 April 2017, those who will have reached their State Pension Age on or before 5 April 2016, will be able to secure Additional State Pension of up to £25 gross per week in exchange for a one-off payment.

State Pension Top-up

The New State Pension

2016/17 Tax Rates & Allowances

EU Referendum Update

Budget 2016 Headlines

Remuneration Policy

Spending Review & Autumn Statement 2015 Headlines

Boolers’ New Telephone Number

Hm Treasury’s Consultation On Future Pension Tax Relief

Annual Allowance Changes

Summer Budget 2015 Headlines

Automatic Enrolment Duties For Sole Directors And Family Companies

Summer Budget – End Of Higher Rate Tax Relief On Pension Contributions?

A Secondary Annuity Market

Budget 2015 Headlines

Pension Changes 2015 Seminar

Death Benefits Post 2015

A Market For More Flexible Annuities?

National Savings & Investments

SSAS Administrators – Fit And Proper Persons

Increased Minimum Pension Age From 2028