Evergreen Financial Planning

As you gather family all around you and create new memories, consider how they might manage without you. ✍️ We know that no one wants to think about writing a will, but if you have a bit of time over the festive break, it would be time well spent to ensure you’re prepared for the future. Without a will, there may be rules which automatically dictate how your assets will be allocated, and that might not be the way you'd have preferred things to be. Ensuring you have adequate cover in place can help you build a good financial plan. If you want to speak with a professional financial adviser, drop us an email to arrange a call in the new year. Email [email protected]. #Will #WillWriting #FuturePlanning #Retirement #FinancialAdvice

In this month's edition we have some great tips to get you off to the best start in 2025, plus some photos of Directors Nathan and Ryan in orange jumpsuits! Find out why in our newsletter...

'Tis the season of giving and you might be thinking about how you can make a difference by donating to charity. 🎁 You could consider setting up a direct debit each month that will send a small set amount to your chosen charity. There are also plenty of charity draws, lotteries and other schemes you can enter or donate to, which will redistribute your entry money to a good cause. There might even be a local one in your area, such as the Community Foundation for Staffordshire & Shropshire. Visiting charity shops is also a great way to contribute. Not only can you bag a great deal, but you would be surprised what treasures you can unearth this time of year as people have a clear out! 👗 #charity #donation #goodcause #money #savings #financialadvice #financialadviser

Hey, Evergreen here. As the year draws to a close, it's the perfect time to conduct a year-end financial review and make the most of any holiday bonuses you might receive. 🎉✨ I know, I know, you’re super busy putting up the decorations, seeing friends and family and browsing all the Christmas food – but hear me out… Taking stock of your financial progress over the past year can help you identify areas for improvement and set realistic goals for the future. 🔮 Have you achieved the goals you set at the beginning of the year? If not, what adjustments can you make to stay on track? Look at your spending patterns, especially during the holiday season. 👛 Are there areas where you can cut back or make smarter choices to avoid overspending? If you’ve been lucky enough to receive a holiday bonus, consider how you can use it wisely. Maybe you could increase your savings, pay off some dept, invest more or contribute to your pension? You might learn some surprising things when you have a good look at your finances, and it will allow you to set new goals for 2025. 📋 At Evergreen Financial Planning, we're here to help you navigate your way through the forest of financial planning. #FinancialPlanning #YearEndReview #HolidayBonus #SmartSpending #FinancialGoals

Has anyone watched a version of A Christmas Carol yet? Which one is your favourite? Let us know in the comments. The story reminds us of the importance of reflecting on our past, present, and future. 🎄✨ Scrooge learns valuable lessons from the Ghosts of Christmas Past, Present, and Yet to Come. Similarly, when it comes to financial planning, our present actions can significantly impact our future well-being. Imagine your future self looking back with gratitude at the decisions you make today. Whether it's setting aside a small amount each month for a future purchase or increasing your pension contributions, these steps can pave the way for a more secure and comfortable future. What choice have you made recently that your future self will thank you for? #FinancialPlanning #ChristmasCarol #FutureSelf #FinancialWellbeing

Hi, Evergreen here. We’ve had some absolutely cracking client feedback lately. See what I did there? 🍬 🎅 A client recently came to us for a bit of retirement planning advice and discovered they could actually retire early and spend more time with their grandchild! It was a win-win for everyone, especially as they thought they would need to keep working for another five years. 👍Ryan also had some fantastic feedback via review site VouchedFor, when he helped a client from Essex understand how to consolidate their pensions and maximise their savings. The client said: “Ryan helped me understand what I needed to start thinking about now so that I have a good enough pension for what I want to do in the future. He helpfully challenged some of my understanding of the limitations with pensions and investment ISA's so that I chose the right products based on my risk profile. “Ryan is incredibly responsive and kept me updated throughout the process. Since being a client with Ryan, he sets up regular reviews to make sure we're on track with my plans (especially as my plans do change!) I'm very grateful for Ryan's support.” 🏖️ It's never too early to start planning for your retirement. Get in touch with our team at [email protected]. #Retirement #RetirementPlanning #PensionPlanning #FinancialAdviser

It's #SmallBusinessSaturday! 🛍️ This festive season, let's make a conscious effort to support our local independent shops and businesses. Did you know that there are around 5.5 million small businesses in the UK, making up 99.2% of the total business population*? These small but mighty enterprises are the backbone of our economy, providing personalised services and fostering strong communities. At Evergreen Financial Planning, we know firsthand the value that small teams bring. Our approach allows us to build deeper relationships with our clients, truly understanding their goals and circumstances. We encourage our staff to volunteer with local charities and choose local venues for meetings and client catch-ups. Tag your favourite small businesses in the comments and share this post to spread the word! * Link to Government website estimating business population in 2023: https://loom.ly/wEpKvbc #SmallBusiness #SmallBusinessOwners #SupportSmallBusinesses #FinancialAdviser #CommunitySupport

“You can’t defeat someone who refuses to stay down.” ⚡ Those are the words of one of Evergreen’s founders, Nathan Waldron, in an article he wrote about resilience recently. In his piece, Nathan highlights the unpredictable nature of life and the crucial role our responses play in overcoming challenges. 👇 You can check out his full article in the link in the comments - it's a must-read! This got us thinking about financial resilience. Just as life throws curveballs, our financial journeys can be filled with unexpected twists and turns. 🛣️ Building financial resilience means being prepared to adapt and thrive, no matter what comes our way. At Evergreen, we believe in empowering our clients to develop robust financial strategies that can withstand life's uncertainties. Get in touch to make a financial plan. 📧 Email [email protected]. #FinancialResilience #FinancialPlanning #Resilience

Did you catch the changes to Stamp Duty Land Tax (SDLT)? 🔍 Higher rates of SDLT, which apply to purchases of second homes, buy-to-let residential properties and companies purchasing residential property, have increased from 3% to 5% above the standard residential rates. The change came in on October 31, and now the single rate of SDLT that is charged on the purchase of homes costing more than £500k by corporate bodies has also increased from 15% to 17%. 📈 It’s always worth speaking with a qualified financial adviser before making a big purchase, so you can plan how it will impact your finances and if there are any tax issues you need to be aware of. 📧 Email [email protected]. #StampDuty #StampDutyLandTax #SDLT #EstatePlanning

A new face joins #TeamEvergreen, Pete’s aiming high, Ryan’s planning something a little out of his comfort zone, Nathan’s teaching good habits and someone retires five years earlier than expected! Find out what’s been going on in our latest newsletter... #FinancialAdviser #FinancialAdvice #FinancialPlanning #Retirement