The Value of Cash Flow Modelling in Wealth Management
First things first, what actually is a cash flow model? Well, a cash flow model is a detailed picture of a clients’ assets, investments, debts, income and expenditure, which are projected forward, year by year, using assumed rates of growth, income, inflation, wage rises and interest rates.
4 Financial New Year’s Resolutions
It’s a brand-new year, and it’s traditional to make resolutions. After the Christmas break many of us find our bank balances suffering slightly due to shopping as well as eating and drinking. Financial resolutions can help to structure spending and help plan the year – or possibly even further ahead, effectively.
Hertfordshire has so many opportunities for festive fun this year, so we put together a list of some of our top picks. Enjoy!
10 Tips for Saving at Christmas
Christmas – the most wonderful time of the year! However, it can also be the most expensive time of the year, between eating out, buying presents and travelling to see family. We’ve put together ten little tips to help make the money go further this festive season.
How to Trace a Lost Workplace or Personal Pension
The most important part of planning for retirement is knowing how much money you will have available. Travel, healthcare, day to day living – these all depend on what you have saved and will have coming in from any pensions you may have.
What Does Being a Trustee Mean?
Perhaps you have been asked to be a trustee or maybe you are considering setting up a trust yourself – in either case, there are a few things you should know before deciding. We have put together a handy guide to cover the basics.
An Introduction to Employee Benefits
Simply put, employment benefits are additional forms of compensation offered by employers on top of a normal salary. These become more and more important as companies compete globally for the best talent, making these benefits essential to most organisations’ reward strategy.
A Short Guide to Wealth Management
First of all, how do we define wealth management? On our own website we put it like this: “Imagine all of your assets, pensions, investments, cash as one big pot aiming to provide you with the standard of living you expect now and in the future.
How to Prepare Financially for Illness
It’s not something we like to think about but preparing for the worst really is the best thing you can do. Growing older is an inevitability and, sometimes, illness comes with that process.
A Financial Planner’s Frequently Asked Questions
If you have never consulted with a Financial Planner, you may not know what to expect, which is why we have endeavoured to answer some of our client’s most frequently asked questions here. What is a platform? A platform is somewhere where you can invest your money in one place in several different tax wrappers […]
Gerald Pepper Financial Management Limited Registered in England and Wales No. 4179541
2nd Floor, Hanscombe House, 52A St Andrew Street, Hertford, SG14 1JA
Registered Office: 6-7 Castle Gate, Castle Street, Hertford, SG14 1HD
gpfm financial planners is a trading name of Gerald Pepper Financial Management Ltd who are regulated and authorised by the Financial Conduct Authority under registration number 195615
The guidance and/or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.
The Financial Ombudsman Service is available to deal with individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk
