Integritas Financial Planners - Blog

Until you’ve established your business as an unstoppable mega corporation, you’ll likely be in need of some extra cash for growth or improvements. A commercial second mortgage on the premises your company owns might just be the answer, as...

Fluctuations in the unpredictable financial markets can be unsettling as we watch them play out in real time. Such fluctuations can cause panic and stress, but learning how to navigate market turmoil with perspective and patience has...

Meeting with a financial adviser is a positive step, but it works best if you know what to expect. Good advice needs a full picture, but unfortunately many people imagine they can ask a simple question and get a simple answer. In reality,...

The clock resets on 6 April and if you haven’t used your ISA allowance by then, you lose it. There’s no carryover, no second chance. This isn’t about unnecessary urgency, but about making the most of a tax-free opportunity.

One of the beautiful things about reaching the half century is the sight of retirement appearing on the horizon. How close it is exactly will depend on each individual’s various life circumstances, but heading into your 50s is a good time...

No one expects to be out of work due to illness or injury, but it happens. When it does, your bills won’t wait. Statutory Sick Pay (SSP) is available, but it’s limited to just £116.75 per week at the time of writing, and only for up to 28...

Pensions aren’t currently included in your estate for tax purposes, but that is set to change in just over a couple of years’ time. Starting in April 2027, pensions will be treated as part of your estate, and thus liable for inheritance...

Consolidating pensions seems straightforward, as you are simply combining everything into one pot to make life easier. Many pension apps promise this with a few taps, but is it always the right move? Without financial advice, you might be...

Creating a Will is all about taking control of your legacy and securing your family’s financial future. The benefits of a Will - expertly drafted - include ensuring the people and causes you care about are protected, your assets are...

Creating a Will is an important step to take, but it doesn't necessarily guarantee your wishes will always be followed. This is because there are multiple external factors that can have a significant impact on how your estate is...