Introducing the Omnis Managed Portfolio Service (OMPS)

Posted by Rebecca Harbrow on Wednesday 29th June 2022

How does OMPS work?

Our informative video explains the journey our clients take when deciding to invest in one of our OMPS portfolios. Learn more about the building blocks for the portfolios and funds which are managed by some of the world’s leading investment managers, who we’ve carefully selected.


The value of financial advice

Posted by Rebecca Harbrow on Wednesday 8th June 2022

Financial advice isn’t just for the super-rich with complex tax situations and offshore bank accounts. It can be invaluable for anyone with financial goals.

Whether you're saving for your future, buying your first home, remortgaging or want to protect your home and income – speaking to an expert can make all the difference.

Saving for your future

Robyn and Tim met in their late 20s and soon got married. They were keen to get on the property ladder so spoke to a financial adviser who helped them form a savings strategy.

They both opened...

First steps to investing

Posted by Rebecca Harbrow on Friday 3rd June 2022

There is no right time to begin investing but there are some decisions to make that could affect your returns. If you are 7 years old and saving your pocket money for a PS5, 17 saving the money from your first job for a car, 27 saving for your first house or 57 and finalising your retirement plans which include a dream holiday, we can provide personalised advice for you.

Angela was looking at ways she could reduce her inheritance tax. After spending some time researching, she realised she could make small gifts to as many people as she li...

Planning for a comfortable retirement

Posted by Rebecca Harbrow on Wednesday 1st June 2022

Tina is a fit and vibrant 59-year-old who expected retirement to offer a whole new lease of life. She was looking forward to using her increased leisure time to explore Europe while indulging her passion for climbing. However, after going through her finances, she’s now concerned she won’t be able to afford her monthly bills let alone pay for trips abroad.

Tina has always managed her day-to-day finances really well, but she never sat down and worked out how much she’d need for a comfortable retirement. A 2021 Which survey found that a ret...

Have you considered re-mortgaging?

Posted by Rebecca Harbrow on Friday 13th May 2022

Could remortgaging help you beat the cost-of-living crisis?

RemortgagePractically every penny of Mike’s monthly salary is accounted for so, as the cost-of-living crisis starts to bite, he’s worried about making ends meet. He’s started shopping around for cheaper deals on his broadband, mobile-phone contract, and car insurance, and he’s also cancelled his gym membership and a couple of his TV subscriptions. But he’s overlooked the bill offering the largest potential saving – his mortgage.

What is remortgaging?

Remortgaging involves taking out a new ...

Why Co-habiting Couples Should Make a Will

Posted by Rebecca Harbrow on Wednesday 11th May 2022

who will inherit if you dieWhen Tom and Pete bought their first property together, life couldn’t have been better. They both had good jobs pulling in decent salaries and were excited about spending the rest of their lives together.

They chatted about making a will a few times, but somehow life always got in the way. Until one day, 10 years after moving in together, Pete got a call that would change his life forever – Tom had been killed in a car accident.

The intestacy trap

On top of grieving for his partner, Pete found he was also facing an uncertain financial fut...

What is a Standard Variable Rate Mortgage?

Posted by Rebecca Harbrow on Friday 6th May 2022

What is an SVR mortgage and why might you end up with one?
Sarah has never overstretched herself when it comes to money. After paying her monthly bills, she’s always had a bit left over. So, when her mortgage lender wrote to her to remind her that her five-year fixed-rate deal was coming to an end and that she needed to find a new deal or she’d be switched to their standard variable rate (SVR), she simply let them make the switch. She wasn’t worried about money and thought looking for a new deal would be too much hassle.

The interest rate ...

Spring Clean Your Finances

Posted by Rebecca Harbrow on Friday 29th April 2022

There’s plenty of advice and ‘life hacks’ on how to make spring-cleaning less of a chore. A quick Google search will throw up hundreds of random tips – like using cola to clean the toilet, lemon to clean the taps and vinegar to clean just about anything!

When you’ve finished scrubbing your worktops with baking soda and polishing your windows with newspapers, why not try spring-cleaning your finances? Here are some handy hints to get you started:

Throw away unnecessary spending habits

Look at your bank statements for the last couple of m...

Key Dates for Your Finances

Posted by Rebecca Harbrow on Wednesday 27th April 2022

Key dates for your finances in 2022Now’s a good time to make sure you're fully prepared for the financial year ahead. To make it easy we’ve summarised the key dates and facts and figures below.

1 April

National Living Wage (for age 23+) rises from £8.91 to £9.50

National Minimum Wage rises to £9.18 (for 21-22-year olds), £6.83 (for 18-20-year olds), £4.81 (for 16-17-year olds) and £4.81 (for apprentices under 19 or in the first year of their apprenticeship).

Council tax bills rise by up to 2.99% (including a 1% social care precept) although there may be some regional vari...

What is Capital Gains Tax?

Posted by Rebecca Harbrow on Friday 22nd April 2022

What is capital gains tax?

If you’re selling certain assets of high value or a second property, you’ll probably have to pay capital gains tax on your profits. Here’s how it works.

Capital gains tax (CGT) is a tax on the profits earned from selling an asset or a property belonging to you (excluding your main residence). You only pay CGT on your overall gains above your tax-free allowance – known as the ‘annual exempt amount’. In the 2021/22 tax year this amount is £12,300, so you can make this much in profit before you pay any tax. Married couples or those in civil ...