New Model Adviser® Top 100 2020
We are delighted to make the New Model Adviser® Top 100 list for 2020 - for a third year running!
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Independent Financial Advice for Life's Journey
Award-winning chartered independent financial planners in Gloucestershire covering Cirencester & The Cotswolds
Who we are
Welcome to Ermin Fosse Chartered Financial Planners
This is passionate, personalised and friendly financial planning.
Independent financial advisers and wealth management consultants are not an homogenous lot, but come in many styles. Based in Cirencester (with clients in Cheltenham, The Cotswolds and London), Ermin Fosse is the pragmatic, experienced, totally independent variety.
For more than 25 years we have been providing intelligent, well-respected financial planning and advice to people and businesses for investments and savings, retirement and pension planning, financial protection and estate planning and inheritance.
Why financial planning matters
Financial planning helps you determine your short and long-term financial goals and create a balanced plan to meet those goals, any of the following could affect your financial plan.
The Office for National Statistics forecast that around
of babies born in 2013 will live to 100
Source: Office for National Statistics
A substantial proportion of those at retirement will live for
years
Source: Government Actuary’s Department
In 2013, of 5,079 adults surveyed,
said they “lack confidence” when it comes to managing their money.
Source: Money Advice Service
Over 3 in 4 aged 18 to 65
Who are not actively saving into a pension were unaware that for
Every 4 they invest
The government contributes another 1
Source: Actuarial Post
Just 35% of people said they understood income drawdown
which allows you to take sums out of your pension pot while the rest remains invested
Source: International Longevity Centre UK (ILC-UK)
The effect of inflation on a fixed income
Inflation of 2% every year for the next 25 years, a fixed income would fall by almost 40%
Source: Royal London
The numbers of people in England and Wales aged 60+ who are divorced more than trebled from 404,000 in 1991 to 1.3m by 2011.
Source: Office for National Statistics
In a survey of 2,000 people, just 16% felt that they adequately understood the impact of inflation on their pension.
Source: Citywire Money
Over 65s doubling in number from 8m in 2001 to 16m by 2061.
Source: Age UK
Featured Knowledge Posts
Market Review October 2021
September proved to be an interesting month, with a number of thought provoking developments prompting markets to retreat from their recent highs. Rising energy prices became a global concern, along with the ongoing fragile nature of supply chains, and a less accommodative tone from central banks caused both shares and government bonds to fall. Sentiment was further tested by developments in the Chinese property sector.
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Your guide to the new Health and Social Care Levy
The government recently announced a rise in National Insurance rates, dubbed a “Health and Social Care Levy”. Despite a Conservative manifesto promise not to increase taxes, the economic impact of the coronavirus pandemic has also led to increases to Dividend Tax and the suspension of the State Pension triple lock. The National Insurance increase will come into force from April 2022. Keep reading for a guide to the levy and its potential impact.
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