--- title: Blog — Integritas Financial Planners (11) description: Integritas Financial Planners brings you the latest insights on financial planning, pension, mortgage and more. Click here to subscribe to our blog. (11) --- - [01283777014](tel:01283777014) - [enquiries@integritasfp.co.uk](mailto:enquiries@integritasfp.co.uk) [facebook-f icon](https://www.facebook.com/IntegritasFP) [linkedin-in icon](https://www.linkedin.com/company/integritas-financial-planners-ltd/) [REQUEST CONSULTATION](https://www.integritasfp.co.uk/book-a-meeting) [![integritaslogo](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/integritaslogo.png?width=510&height=82&name=integritaslogo.png "integritaslogo")](https://www.integritasfp.co.uk/) ![Vouched For Top Rated 2019 - 2024](https://www.integritasfp.co.uk/hs-fs/hubfs/Vouched%20For%20Top%20Rated%202019%20-%202024.png?width=762&height=162&name=Vouched%20For%20Top%20Rated%202019%20-%202024.png) ![Integritas-vouchedfor-badge](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/Integritas-vouchedfor-badge.webp) - [Home](https://www.integritasfp.co.uk) - [Our services](https://www.integritasfp.co.uk/services) - [Pension Advice](https://www.integritasfp.co.uk/services/pension-advice) - [Investment Advice](https://www.integritasfp.co.uk/services/investments/) - [Mortgage Advice](https://www.integritasfp.co.uk/services/mortgage-advice/) - [Protection](https://www.integritasfp.co.uk/services/protection/) - [Wills and Lasting Power of Attorney](https://www.integritasfp.co.uk/kinherit-partnership) - Why Integritas - [Why Integritas](https://www.integritasfp.co.uk/about-integritas) - [Meet the Team](https://www.integritasfp.co.uk/meet-the-team) - [Testimonials](https://www.integritasfp.co.uk/about-integritas/testimonials/) - [Sponsorship](https://www.integritasfp.co.uk/sponsorship/) - [Referral Incentive](https://www.integritasfp.co.uk/referral-incentive) - Resources - Client Agreement - [Terms and Conditions](https://www.integritasfp.co.uk/resources/client-agreement/) - [Services and Charges](https://www.integritasfp.co.uk/resources/client-agreement/-services-and-charges) - [10 Point Financial Checklist](https://www.integritasfp.co.uk/10-point-financial-checklist/) - [Protection Review Guide](https://www.integritasfp.co.uk/protection-review) - [A Guide To Pension Consolidation](https://www.integritasfp.co.uk/guide-to-pension-consolidation) - [Blog](https://www.integritasfp.co.uk/blog) - [Glossary](https://www.integritasfp.co.uk/glossary) - [Client Area](https://integritasfinplan.gb.pfp.net/) - [Contact Us](https://www.integritasfp.co.uk/contact-us) # Integritas Financial Planners - Blog [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/stock-market1-1080x675.jpg?width=596&name=stock-market1-1080x675.jpg)](https://www.integritasfp.co.uk/blog/handling-high-markets) ## [Handling High Markets](https://www.integritasfp.co.uk/blog/handling-high-markets) Most of the world’s major stock markets are at or close to their all-time highs, but that is not necessarily a reason to stop investing. Download Our Client Agreement Here Global stock markets have been performing strongly since the first... [![blog-featured-image](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/inheritance-tax-1080x675.jpg?width=596&name=inheritance-tax-1080x675.jpg)](https://www.integritasfp.co.uk/blog/the-future-of-inheritance-tax) ## [The Future of Inheritance Tax](https://www.integritasfp.co.uk/blog/the-future-of-inheritance-tax) Most over 55s have no idea whether there might be inheritance tax (IHT) to pay on their estate — or what the liability might be. With change on its way, understanding IHT may be more important now than ever. The £325,000 IHT threshold (or... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/finance-1080x675.jpg?width=596&name=finance-1080x675.jpg)](https://www.integritasfp.co.uk/blog/portfolio-rebalancing) ## [Portfolio Rebalancing](https://www.integritasfp.co.uk/blog/portfolio-rebalancing) Inertia can be a dangerous trait, especially for investment. You know the feeling. Sometimes it just seems easier to leave things as they are for another year rather than take any action. Call it the ‘If it ain’t broke don’t fix it’... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/INVESTING1-1080x675.jpg?width=596&name=INVESTING1-1080x675.jpg)](https://www.integritasfp.co.uk/blog/lump-sum-investing-or-pound-cost-averaging) ## [Lump Sum Investing or Pound Cost Averaging: Which Is Best For You?](https://www.integritasfp.co.uk/blog/lump-sum-investing-or-pound-cost-averaging) If you have a lump sum to invest, whether it’s £1,500 or £150,000, there is a key decision to make. Do you invest it all in one go or invest smaller amounts over time? It can make a big difference.Spreading out your investment is known as... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/greenwashinh-1080x675.jpg?width=596&name=greenwashinh-1080x675.jpg)](https://www.integritasfp.co.uk/blog/responsible-investing-and-greenwashing) ## [Responsible Investing and ‘Greenwashing’](https://www.integritasfp.co.uk/blog/responsible-investing-and-greenwashing) There has been huge growth in the number of ‘sustainable’ and ‘responsible investment’ funds, which now look at a company’s environmental, social and governance (ESG) track record as part of the investment process. However not every... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/pension-plan-1080x675.jpg?width=596&name=pension-plan-1080x675.jpg)](https://www.integritasfp.co.uk/blog/five-occasions-that-should-prompt-you-to-check-your-pension) ## [Five Occasions That Should Prompt You To Check Your Pension](https://www.integritasfp.co.uk/blog/five-occasions-that-should-prompt-you-to-check-your-pension) Most of us are guilty of putting pension planning on the back-burner. However, the fact is, the earlier you start saving for the future, and the more you put into a structured, balanced pension plan, the more likely you are to enjoy a... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/retirement-1080x675.jpg?width=596&name=retirement-1080x675.jpg)](https://www.integritasfp.co.uk/blog/a-new-style-retirement-for-changing-times) ## [A New Style Retirement For Changing Times?](https://www.integritasfp.co.uk/blog/a-new-style-retirement-for-changing-times) The acronym ‘WFH’ is now fully embedded in the 21st century lexicon. Whether 18 months of working from home will reshape the future of work for office-based employees is not yet clear, but major employers are now reconsidering office... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/DIVORCE-1-1080x675.jpg?width=596&name=DIVORCE-1-1080x675.jpg)](https://www.integritasfp.co.uk/blog/no-fault-divorce-comes-to-england-and-wales) ## [No Fault Divorce Comes To England and Wales](https://www.integritasfp.co.uk/blog/no-fault-divorce-comes-to-england-and-wales) The Divorce, Dissolution and Separation Act 2020 should have been implemented in autumn 2021. However, in June the government pushed back the start date to April 2022. The delay, plus the after-effects of lockdown, could mean a divorce... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/green-finance-1080x675.jpg?width=596&name=green-finance-1080x675.jpg)](https://www.integritasfp.co.uk/blog/more-news-on-national-savings-green-bond) ## [More News On National Savings Green Bond](https://www.integritasfp.co.uk/blog/more-news-on-national-savings-green-bond) National Savings & Investments (NS&I) has released more details of its Green Savings Bond, originally announced in the spring Budget. Download Our Client Agreement Here The bond will have a fixed term of three years, with no early... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/finance-protection-1080x675.jpg?width=596&name=finance-protection-1080x675.jpg)](https://www.integritasfp.co.uk/blog/income-protection-the-simple-safety-net) ## [Income Protection – The Simple Safety Net](https://www.integritasfp.co.uk/blog/income-protection-the-simple-safety-net) One of the cornerstones of financial resilience is ensuring you have a financial safety net should things go wrong. This can be in the form of savings to cover unexpected bills, such as a new boiler, or a period of unemployment. But... 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Integritas Financial Planners Ltd (FCA no. 623126) is an Appointed Representative of Baron & Grant Investment Management Limited (FCA no. 930300) which is Authorised and Regulated by the Financial Conduct Authority. 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