Make Money Make Sense

Financial Stories with Lettie Cartwright

The last episode of the series takes on a different format, with our guest this week, Lettie Cartwright, Financial Planner. Together, Mark and Lettie analyse financial stories and digest the details! Debt Resources: Please visit https://www.gov.uk/debt-advice if you are struggling with debt and need advice.

Pensions with Lauren McHenry

Pensions... your choices now affect your plans later. The topic that is mentioned most by our advisors, explained simply! Pensions are a long-term investment. Your eventual income will depend on several factors, including the value of your fund when you decide to take benefits and the choices you make at retirement. The value of your pension can fall as well as rise, and you may get back less than you have paid in. Past performance is not a reliable guide to future results. This brochure provides general information and should not be taken as personal financial advice. Everyone’s situation is different — please speak to a qualified financial adviser before making any financial decisions. While we aim to ensure the information provided is accurate and up to date, we cannot guarantee its accuracy in the future. We are not responsible for any loss caused by decisions made based on this content. Tax rules, rates, and reliefs can change. How they affect you will depend on your personal circumstances. The Financial Conduct Authority (FCA) does not regulate estate planning, trusts, wills or tax advice. Pareto Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority.

ISAs with Jonathan Dowling

ISA's: What are they and how do they even work? This week we finally sit down and chat about Individual Savings Accounts.

Annual Percentage Rate with Courage Ruwanza

Whats an APR?? Courage joins us to talk about what an Annual Percentage Rate really means, why it shows up on loans and credit cards, and how it impacts your money.

Salary Exchange with Olivia O'Neill

Do you make the most out of your employee benefits? Olivia takes us through what salary sacrifice means and what it does in the long run. It’s important to be aware that entering a salary exchange arrangement may affect your entitlement to certain statutory and state benefits. Reducing your contractual salary could impact:   * Statutory Maternity Pay (SMP) * Statutory Sick Pay (SSP) * Redundancy pay * Death-in-service benefits * Eligibility for means-tested benefits or tax credits   These impacts depend on individual circumstances, including your earnings and the timing of the exchange. We recommend speaking to your HR or payroll team, and considering independent financial advice, before entering into or making changes to a salary exchange arrangement.