Personal Finance - Insurance - Mums NI - A Hub For Parents in Northern Ireland
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  • If you are considering using our services or just want to see what some of our clients have said about their experience, check out our Trustpilot page.

     https://uk.trustpilot.com/review/fairstone.co.uk

    T: 02892 605 088 | E: info@fairstoneni.co.uk

    #clients #reviews #trustpilot #northernireland
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  • TrustPilot Reviews - Michael Guilfoyle
    "Pleasant and helpful, providing excellent up to date advice without any obligation. Very impressed with their service, my family have been using them for years!" - learn why else our clients recommend Fairstone’s Michael Guilfoyle on Trustpilot....
    "Pleasant and helpful, providing excellent up to date advice without any obligation. Very impressed with their service, my family have been using them for years!" - learn why else our clients recommend Fairstone’s Michael Guilfoyle on Trustpilot.

    Read more here - https://lnkd.in/dcSuiXb

    T: 02892 605 088 | E: info@fairstoneni.co.uk
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  • Saving for a deposit
    Help to Buy ISAs are now closed to new applicants. However, there are other options still available to first-time buyers.

    Find out more - https://www.fairstoneni.co.uk/the-help-to-buy-isa-scheme-is-now-closed/

    T: 02892 605 088 | E:...
    Help to Buy ISAs are now closed to new applicants. However, there are other options still available to first-time buyers.

    Find out more - https://www.fairstoneni.co.uk/the-help-to-buy-isa-scheme-is-now-closed/

    T: 02892 605 088 | E: info@fairstoneni.co.uk
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  • TrustPilot - Peter Savage (Chartered financial planner)
    "The difference between Peter at Fairstone and other Financial Advisers is that he provided a framework for me to assess my overall finances in the context of my life stage and aspirations, and not solely as a set of investments. Over the years...
    "The difference between Peter at Fairstone and other Financial Advisers is that he provided a framework for me to assess my overall finances in the context of my life stage and aspirations, and not solely as a set of investments. Over the years following my retirement, this has helped to live a very full life, with peace of mind." - learn why else our clients recommend Fairstone’s Peter Savage on Trustpilot

    Read more here - https://www.fairstoneni.co.uk/about-us/meet-the-team/

    T: 02892 605 088 | E: info@fairstoneni.co.uk
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  • Saving for retirement
    It’s easy to push saving for your retirement to the back of your mind. Future events have a habit of feeling very distant, until they arrive. It can be a difficult thing to keep track of too; with nobody helping you along the way or checking up...
    It’s easy to push saving for your retirement to the back of your mind. Future events have a habit of feeling very distant, until they arrive. It can be a difficult thing to keep track of too; with nobody helping you along the way or checking up on your savings, putting a retirement plan in place can be a lonely experience.

    The fact is, most of us are simply not saving enough to enjoy a similar lifestyle to our working days in retirement. A ‘retirement reality’ report from insurer Aviva shows that nearly 1 in 4 employees believe that retirement will be a financial struggle. There are plenty of legitimate reasons why we don’t save enough – more immediate financial concerns will naturally take priority. You can’t save for tomorrow, for example, if it means forgoing your mortgage payments today. A lack of financial education also plays a big role. 85% of young adults, when surveyed, revealed that they wish they had been taught more about finance management through their school and university careers.

    The Government’s auto-enrolment workers’ pension initiative has helped and there are around 1 million people saving for their retirement for the first time ever, as a result, but how do the numbers add up? The minimum auto-enrolment contribution rate is 5% of annual income, and despite more than half of workers believing this is the recommended rate of saving, it’s far from it. The generally accepted figure among experts, if you wish to maintain a similar lifestyle in retirement, is a contribution equal to 13% of your annual income. Some of this deficit will be made up by employer’s pension contributions, however, we’re still looking at a wide gulf between actual savings and those that are required.

    Investment house, Fidelity, has devised a system it calls the ‘Power of Seven’, consisting of a number of savings goals. Ultimately, it suggests that to comfortably retire at 68, you should have saved the equivalent of 7 times your annual household income. So, if you were to retire with a household income of £50,000, you’d want a pension pot saved of £350,000. The exact figures will differ from case to case, so it’s recommended to use an online pension calculator to understand your personal situation and check it regularly to keep yourself updated.

    There are steps you can take to bolster your pension pot. It’s down to you to take responsibility for your finances, and even small steps like being a member of the works pension scheme and using tax friendly Savings Accounts can be helpful. If you receive a pay increase, perhaps allocate half of it to your savings or investments and enjoy the other half now. As tempting as it can be, it’s important to foster self-control to turn down opportunities for frivolous spending – think about tomorrow and give yourself more options in your golden years.

    If you have any questions around this topic, please feel free to get in touch with one of our pension specialists.

    T: 02892 605 088 | E: info@fairstoneni.co.uk



    A PENSION IS A LONG-TERM INVESTMENT. THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN, WHICH WOULD HAVE AN IMPACT ON THE LEVEL OF PENSION BENEFITS AVAILABLE
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  • Wanda Moore - TrustPilot Reviews
    "Wanda Moore is always professional in all of our dealings with her and always behaves with integrity. Wanda is always down to earth and looks to do the best at all times for her clients - I trust Wanda at all times and will always go to her for...
    "Wanda Moore is always professional in all of our dealings with her and always behaves with integrity. Wanda is always down to earth and looks to do the best at all times for her clients - I trust Wanda at all times and will always go to her for all our Mortgage transactions and advice." - learn why else our clients recommend Fairstone’s Wanda Moore on Trustpilot.

    https://www.fairstoneni.co.uk/about-us/meet-the-team/

    T: 02892 605 088 | E: info@fairstoneni.co.uk
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