Patterson Mills

BIG NEWS for our Swiss-based followers 🇨🇭🎉 We are delighted to announce the launch of Finance HQ, Switzerland’s first tailored, financial planning subscription service. Finance HQ is on a mission to make financial planning more accessible to all, enabling more people to optimise their finances and achieve their dreams. Offering access to qualified financial planning experts and trusted educational resources for one, fixed, monthly fee, Finance HQ eliminates conventional barriers to entry and empowers everyone to step into a more secure financial future. Finance HQ is here to be a financial partner on whom you can rely, dedicated to your success on an ongoing basis. To celebrate the launch of Finance HQ, we are offering 25% off an entire first year’s membership if you register now for priority access 🔥 Be sure to head to https://lnkd.in/dm_5Nhc3 and register before places run out 👀 Visit the Finance HQ website for our full-length launch video, more information on what to expect, pricing, and FAQs. Find us on Instagram too! (link in comments) #FinanceHQ #FinancialPlanning #FinancialFreedom #Switzerland #FinancialEmpowerment #PattersonMills

Do you know where to start when it comes to tax planning? 🤔 From knowing what counts as taxable income to learning how deductions and credits can work for you, a little knowledge can go a long way in reducing your tax bill 🧠 Want to know how to take control of your tax planning? Click below to check out our latest article! 👇 Optimising your tax strategy is easier with the right advice. Contact Patterson Mills today to ensure your finances are on the right track 🌟 If you are outside of the UK: [email protected] If you are within the UK: [email protected] To listen to this article 👂 or find more useful articles like this one, click the link in the comments. Whilst you're at it, make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts! #TaxPlanning #TaxEfficiency #FinancialPlanning #FinanceTips #TaxStrategy #PersonalFinance #FinancialLiteracy #TaxTips #TaxRates #WealthBuilding #FinancialEducation #Tax2025 #Tax2024 #NewYearNewTax #InvestmentStrategy #TaxReturn #MoneyManagement #TaxFundamentals #FinancialAdvice #FinancialFreedom #FinancialSuccess #Success #PattersonMills

Can you rely on the Government in your retirement? Should you wait until you're older to start saving for retirement? When it comes to retirement, misconceptions can hold people back. Today, Patterson Mills are giving you the facts you need to know for a successful retirement! 🚨 Myth #1: "I can rely on the Government to support me in retirement" ✅ Reality: State pensions, social security, age pensions, or similar Government programs will not support you for the lifestyle you likely want in retirement. Typically, Government pensions will provide up-to 40% (usually less!) of your pre-retirement income. If you have many years or decades to go until retirement, it is important to also be aware of the moving goalposts with regards to 'statutory retirement age', and changing rules around eligibility for a State pension 🏦 🚨 Myth #2: "Retirement savings can wait until I'm older" ✅ Reality: The later you wait to begin to accrue retirement savings, the less time you give yourself to have a decent sum of money at retirement. The longer your money is invested, the more it has the opportunity to grow through compounding. Even modest contributions in your 20s or 30s can add up significantly over time, putting you on a solid path toward a retirement you can enjoy🌱 Whilst we can debunk as many myths as is necessary for you to have a successful retirement, the best way to ensure you are on the right track is to get in touch with us today ☎️ We are here to help you make confident, informed choices about your retirement. Whether you are just starting out or looking to optimise an existing plan, we work with you to create a personalised strategy that grows with your goals ⚽ If you are outside of the UK: [email protected] If you are within the UK: [email protected] Scroll down our page or click the link in the comments for more finance tips and, whilst you're at it make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts! #RetirementMyths #FactChecking #FinancialTruths #WealthManagement #RetirementPlanning #FinancialFreedom #FinancialEducation #FinanceTips #FinancialAdviser #FinancialAdvisor #PersonalFinanceTips #PersonalFinance #FinancialLiteracy #MoneyMyths #FinancialSuccess #Success #PattersonMills

With many contrasting views around the latest US Election victor, it’s easy to get caught up in the media frenzy about how the outcome will "make or break" the markets. Whether you believe that the Republican victory is the best outcome, or the worst, let's take a look how your investments might react to the latest result. When we look at the reaction of the S&P 500 during Donald Trump's first term (9th November 2016, to 3rd November 2020), the S&P 500 returned 64.49%. When we look at the reaction of the S&P 500 during Joe Biden's term (4th November 2020 to 5th November 2024), the S&P 500 returned 79.74%. Does this mean that your investments favour a Democratic administration? No. This is a small snippet of recent history, and if we look further back we can see times where the S&P 500 has performed better under a Republican administration. So, what do your investments take into account that may be more important than election results? 👉 Economic Cycles Markets are heavily influenced by broader economic conditions, such as interest rates, corporate earnings, and global trade dynamics. For instance, the strong market performance during Biden’s term can be attributed in part to the post-pandemic recovery and the unprecedented fiscal and monetary support, as well as the recent tech boom (looking at you, NVIDIA 👀) 👉 Global Events The global economy doesn’t stop at the U.S. border. For example, the market’s response to the pandemic would have occurred regardless of who was in the White House. 👉 Investor Sentiment and Expectations Markets often react to investor sentiment, which is influenced by expectations about future economic conditions rather than just policy changes. 👉 Monetary Policy The Federal Reserve’s actions are often a more significant factor than who holds the presidency. The Fed’s role in controlling inflation, adjusting interest rates, and providing economic stimulus has a more direct impact on the stock market than the party in power. The key takeaway? Focus less on the headlines and more on the fundamentals in your longer-term financial plan 🌍 Don't have a financial plan yet? No problem! Patterson Mills are here to help you build a strategy that aligns with your goals and adapts to the market landscape, no matter who sits in the White House 📞 If you are outside of the UK: [email protected] If you are within the UK: [email protected] Scroll down our page or click the link in the comments for more finance tips and, whilst you're at it make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts! #EconomicTrends #FinancialEducation #WealthManagement #FinancialFreedom #MarketVolatility #Nvidia #PersonalFinance #USPolitics #SP500 #Trump #DonaldTrump #KamalaHarris #Harris #TrumpHarris #HarrisTrump #Democratic #Republican #USElection2024 #USElection #FinancialSuccess #Success #PattersonMills

⛔️ STOP getting emotional with your investments ⛔️   Emotional bias is all to common when it comes to investing, and it can shape the way we invest, often leading to irrational decision-making 📉   Recognising how your emotions influence these decisions is key to making well-informed choices that are focused on achieving your long-term goals, rather than letting attachment or greed guide those decisions 🌟   Want to know how your emotions may be affecting your portfolio? Click below to check out our latest article! 👇 Are you worried about how your investments are being impacted by your emotions? Talking to a professional Patterson Mills Adviser is the right thing to do. Contact us today to make sure you are making the best decisions for your financial future 🏆 If you are outside of the UK: [email protected] If you are within the UK: [email protected] To listen to this article 👂 or find more useful articles like this one, click the link in the comments. Whilst you're at it, make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts!   #InvestmentPsychology #EmotionalBias #MoneyManagement #MoneyMatters #InvestmentDecisions #BehaviouralFinance #InvestmentTips #FinanceTips #FinancialPlanning #FinancialSecurity #FinancialFreedom #PersonalFinance #InvestingTips #WealthBuilding #InvestmentStrategy #FinancialLiteracy #FinanceEducation #EmotionalIntelligence #InvestorMindset #FinancialAdvisor #FinancialAdvice #FinancialSuccess #Success #PattersonMills

One effective way to streamline your finances in today's modern is by using automation for your savings, and it has never been easier! 💸 But, is it really worth it? Well, let's take a look at some of the differences between those who do and those do not automate their savings. 👉 Simplicity and Convenience Those who automate: Those who automate their savings set it and forget it. With automatic transfers scheduled after each payday, they don’t have to think about it. Those who do not: People who don’t automate can often struggle with manual transfers, which can lead to forgetting or skipping contributions. 👉 Consistency in Saving Those who automate: Regular savings become a habit. Many report a sense of accomplishment as they see their savings grow without needing to exert willpower each month. Those who do not: Without automation, it’s easy to put off saving in favour of immediate expenses, resulting in inconsistent saving patterns. 👉 Creating a Positive Mindset Those who automate: Those who automate often feel more secure about their finances. Knowing that money is being set aside can help reduce anxiety. Those who do not: Individuals who save manually may experience stress when trying to balance savings with spending, leading to missed opportunities to build wealth. 👉 Reaching Financial Goals Faster Those who automate: With savings automatically sent into designated accounts, financial goals can be reached faster. Those who do not: Those who save manually may find their goals take longer to reach due to erratic saving habits. 👉 Using the Power of Compound Interest Those who automate: By starting early and consistently saving, they benefit from compound interest, allowing their money to grow significantly over time. Those who do not: Delaying contributions can result in missing potential earnings, which can impact long-term financial health. So... should you bother automating, or not? 🤷♂️ Ultimately, the answer lies with your financial situation. If you are indeed able, it may be suitable. If not, it may still be suitable as, after all, you can always cancel the automated payment and re-commence the next month or when you are ready. Whether you’re aiming to grow an emergency fund or invest for the future, Patterson Mills is here to help. Optimise your savings; get in touch with Patterson Mills 📞 If you are outside of the UK: [email protected] If you are within the UK: [email protected] Scroll down our page or click the link in the comments for more finance tips and, whilst you're at it make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts! #PersonalFinance #Savings #FinancialLiteracy #FinancialGoals #CompoundInterest #FinancialSecurity #Budgeting #SavingsTips #FinancialWellness #FinancialEducation #FinancialPlanning #EmergencyFund #FinancialFreedom #FinancialSuccess #Success #PattersonMills

In 2025, basic Swiss health insurance premiums will be going up by 6% on average. 🔴 This means the average monthly health insurance will cost CHF 378.70, an increase of CHF 21.60 on 2024. Are you worried about the increase in health insurance premiums? 😧 You need to look at this health insurance premium calculator provided by the Swiss Government. 👉 In French: https://lnkd.in/deFztrt 👉 In German: https://lnkd.in/dfn9qq8 👉 In Italian: https://lnkd.in/exchkuFP With a few basic bits of information, you will receive an entire list of health insurance premiums from all registered health insurers for you to compare. For English, there is a useful comparison website you can access called Comparis, though this is not from the Swiss Government. 👉 https://lnkd.in/e49Uehd3 We also recommend going to the Insurers website directly once you find a suitable price and plan on Comparis. What do you do if you find an insurance that is more suitable or cost-effective for you but is not with your current insurer? Switch! 🔁 Every year, you can cancel your basic health insurance with your current insurer in order to change providers. To do this, you must send a letter to your insurer in writing and this letter must reach them on or before 30th November of that year 📝 You then need to make sure you have a contract with your new insurer so that they can notify your now-previous insurer of the change before the end of December 📆 If your now-previous insurer does not receive notification from another insurer of the change, you may get stuck having to pay a certain amount of 2025s monthly premiums to them instead! Looking for support with the process? This is part and parcel of our service to Private Clients at Patterson Mills. We could be here for you, too, just get in touch today! 📞 Send us an e-mail to [email protected] Scroll down our page or click the link in the comments for more finance tips and, whilst you're at it make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts! #HealthInsurance #InsuranceSavings #SwissHealthInsurance #SwissHealthPremiums #FinancialPlanning #CostEffective #HealthcareCoverage #Switzerland #SwissHealthcare #InsuranceComparison #MoneySavingTips #MandatoryInsurance #PersonalFinance #Budgeting #InsuranceAdvice #FinancialWellness #FinancialEducation #FinancialLiteracy #FinancialSuccess #Success #PattersonMills

Do you know how many qualifying years of National Insurance Contributions you need in order to be eligible for the UK State Pension? 💡 Do you know how much you will receive if you have a full 35 qualifying years? 💷 Do you know what to do if you do NOT have enough qualifying years? 🚨 Planning for your future starts with understanding the basics, such as: What is the "New" State Pension? 👀 What is the current UK State Pension Age (SPA)? 👴 What is the "Triple Lock"? 🔒 Can you claim your UK State Pension early? 🕖 Can you still work after reaching SPA? 🏢 Fortunately, Patterson Mills has got you covered 💪 All you have to do is click below 👇 Whether you're close to retirement or just starting your career, it's never too early to start your retirement planning. Contact Patterson Mills today and ensure you are ready for when your retirement arrives 🏖️ If you are outside of the UK: [email protected] If you are within the UK: [email protected] To listen to this article 👂 or find more useful articles like this one, click the link in the comments. Whilst you're at it, make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts! #RetirementPlanning #UKStatePension #StatePension #UKPension #PersonalFinance #FinancialFreedom #FinancialGoals #TripleLock #PensionsTripleLock #WealthBuilding #PensionPlan #FutureProof #SecureYourFuture #Finance101 #FinancialAdvice #FinancialAdviser #FinancialAdvisor #PensionPlanning #Retirement #FIRE #SMART #RetireEarly #PensionAdvice #FinancialSecurity #FinancialWellbeing #PensionTips #FinancialEducation #FinancialLiteracy #PlanForTomorrow #FinancialSuccess #Success #PattersonMills

After months of hard work, we are beyond excited to inform you that Finance HQ is now publicly available — your all-in-one destination for receiving personalised financial guidance, mastering your finances, investments, and everything in between! 🎉 Our mission is to put control in your hands and empower everyone to achieve their financial dreams. HOW DO WE DO IT? By making qualified financial guidance more accessible than ever before, unlocking financial fitness for the masses, not just for the few. With easy-to-use resources and expert insights, Finance HQ is here to guide you every step of your financial journey. Whether you're planning for the future or growing your wealth today, we provide the support, insights and tools you need to succeed 🌟 Thank you to everyone who has supported us so far. To show our appreciation, if you comment 'congratulations' below this post we will send you a code for 20% off any monthly membership (for first 6 months) or annual membership (for first 12 months) 😊 Ready to kickstart your financial success? Become a member now and start building a brighter, more financially fit future! 🌍💸 #FinanceHQ #FinancialFreedom #InvestingTips #PersonalFinance #GrowYourWealth #RetirementGoals #CashFlow #SecureFuture #FinancialPlanning #WealthBuilding #SavingsGoals #PersonalisedGuidance #GetFit #DebtFreeLiving #InvestmentStrategy #MoneyManagement #FinancialFitness #SmallBusiness #TechStartup #FinanceForAll #Wellness #FinancialGoals #FinancialSuccess #Success

Do you feel like your paycheck disappears as soon as it hits your account? 💸 Living paycheck-to-paycheck is stressful, but we are here to give you 5 ways you can help yourself break this cycle and regain control of your financial future! 💪 1. Create a Detailed Budget 📝 The first step to escaping the paycheck-to-paycheck trap is to create a realistic budget. Once you have a clear picture of where your money is going, you can make adjustments. Prioritise necessities and identify areas where you can cut back. 2. Build an Emergency Fund 🚨 Unexpected expenses are one of the main reasons people struggle financially. By building an emergency fund, you create a financial cushion that can help you avoid tapping into your paycheck for sudden costs. Start small by setting a low target and once you hit that milestone, continue to increase your targets as you work towards saving 3-to-6 months of living expenses. 3. Increase Your Income 💼 If your expenses already feel bare-bones, it may be time to focus on increasing your income. This could mean asking for a raise, finding a higher-paying job, or exploring freelancing or others. 4. Automate Your Savings 💰 Saving money might feel impossible when you're living paycheck-to-paycheck, but it is crucial to build the habit. By automating your savings, you can set aside money without even thinking about it. Set up an automatic transfer to a separate savings account every payday, even if it is a very small amount. Over time, this adds up and helps you create a financial safety net. 5. Cut Down Debt 💳 Debt can eat up a significant portion of your income, keeping you stuck in the paycheck-to-paycheck cycle. Prioritising paying off the highest interest debts that can help reduce your long-term overall debt. You can also consider consolidating debt into lower-interest loans or balance transfer credit cards to save on interest. Breaking free from the paycheck-to-paycheck cycle takes time, but every small step you take puts you closer to financial stability 🚀 Are you ready to take the first step? Get in touch with Patterson Mills today! 📞 If you are outside of the UK: [email protected] If you are within the UK: [email protected] Scroll down our page or click the link in the comments for more finance tips and, whilst you're at it make sure to follow the Patterson Mills social media pages on LinkedIn and Facebook to keep up-to-date with our latest posts! #FinancialFreedom #PersonalFinance #BudgetingTips #Budget #SaveMoney #EmergencyFund #DebtFree #FinancialGoals #PaycheckToPaycheck #FinancialLiteracy #PersonalFinance #InvestInYourself #FinancialStability #WealthBuilding #IncomeBoost #SmartSpending #FinancialPlanning #MoneyTips #MoneyMatters #FinancialAdvice #FinancialAdviser #FinancialAdvisor #FinancialSuccess #Success #PattersonMills