Hills Financial Planning

22nd January 2021 - 2021 Scam Update

Just two weeks into a new year and already we have seen two new scam attempts on our clients. 

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By David Hill - Chartered Financial Planner, 22nd January 2021

22nd January 2021 - Be Honest... Do You Know How Your Pension Is Invested?

Be honest, how many of you are contributing to your pension and have never checked to see how its invested?

There are thousands of pension funds available to UK investors, some are excellent, some not so much! If you are a member of a workplace scheme you are likely to be placed into a default option to save on administration...

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By Chris Todd - Chartered Financial Planner, 22nd January 2021

19th November 2020 - Forex Trading Scams

Just when I thought I had seen everything, I had a meeting in the office this week with someone who is convinced they are making a  return of 20% + per month with online Foreign Exchange Trading. It is the part of my job that I find the most difficult – breaking it to someone that they have been scammed. This ...

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By Chris Todd - Chartered Financial Planner, 19th November 2020

5th August 2020 - Investing for Beginners

If your saving goal is longer term (5+ years) and you have a “emergency fund” in cash, then you may want to consider putting some money into investments, to potentially earn a higher return. I will need to go into more detail in future blog posts, but lets start with the basics.

You can invest into 4 mai...

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By Chris Todd - Chartered Financial Planner, 5th August 2020

26th June 2020 - Pound Cost Averaging- Investing Through Market Volatility

Pound Cost Averaging is the concept of making regular contributions to your investments in order to smooth out market volatility.

By making regular contributions you naturally purchase fewer units when prices are high and more units when prices are low. Over the long-term, not only does this create a disciplined investment ap...

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By Chris Todd - Chartered Financial Planner, 26th June 2020

22nd June 2020 - What Is The Purpose of Money?

The Purpose of Money is NOT Just to Make More of It


Imagine that you’re living in a tent on an open plain.


One day you plant a tree. For the next 40 years, you water it. You protect it from harsh weather and animals. You never pick its fruit. You don’t c...

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By David Hill - Chartered Financial Planner, 22nd June 2020

3rd June 2020 - How does inflation impact my savings?

Inflation refers to a general increase in the price of all goods and services. Consider that a Mars Bar is 80p now, but when I was a teenager it was 40p. This means that what £1 used to be able to buy you - it’s “spending power” is now not as strong as it used to be 10 years ago. Think about how much you pa...

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By Chris Todd - Chartered Financial Planner, 3rd June 2020

29th May 2020 - Who wouldn’t want £1,000 free money every year?

If you are age 18-40 (or a parent or grandparent of someone age 18-40), you can benefit from £1,000 free money each year by setting up a Lifetime ISA to which you can contribute up to £4,000 per year until age 50.  Every time you contribute, 25% tax relief i.e free money will be added. So if you contribute £...

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By Helen Tweed - Chartered Financial Planner, 29th May 2020

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