--- 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/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... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/investing-1080x675.jpg?width=596&name=investing-1080x675.jpg)](https://www.integritasfp.co.uk/blog/integritas-financial-planners-ethical-investing-101) ## [Integritas Financial Planners: Ethical Investing 101](https://www.integritasfp.co.uk/blog/integritas-financial-planners-ethical-investing-101) Looking to make some socially responsible investment decisions? Ethical investing and ESG stocks are what you’re looking for. This rapidly growing sector of investment and share opportunities is swiftly becoming the go-to option for... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/early-retirement1-1080x675.jpg?width=596&name=early-retirement1-1080x675.jpg)](https://www.integritasfp.co.uk/blog/5-top-tips-for-retirement-planning-in-your-30s) ## [5 Top Tips For Retirement Planning In Your 30s](https://www.integritasfp.co.uk/blog/5-top-tips-for-retirement-planning-in-your-30s) As your financial needs continue to increase, saving for retirement may seem unachievable. However, taking small steps now to increase your retirement savings will benefit you in the future. Here are five tips for retirement planning in... [![](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/blog/A-Alden-photo-16.09.2021-1080x675.jpg?width=596&name=A-Alden-photo-16.09.2021-1080x675.jpg)](https://www.integritasfp.co.uk/blog/a-warm-welcome-to-our-new-financial-planner-adam) ## [A Warm Welcome To Our New Financial Planner, Adam](https://www.integritasfp.co.uk/blog/a-warm-welcome-to-our-new-financial-planner-adam) It’s been a busy year for Integritas but that hasn’t stopped us from expanding – we’re delighted to announce a new addition to our team – financial planner Adam! Adam is a CII qualified insurance adviser who has been employed in the... 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Here’s how financial planning could help](https://www.integritasfp.co.uk/blog/worried-about-making-lifetime-gifts-heres-how-financial-planning-could-help) - [6 fun solo days out in the local area](https://www.integritasfp.co.uk/blog/6-fun-solo-days-out-in-the-local-area) - [Why time in the market often beats timing the market](https://www.integritasfp.co.uk/blog/why-time-in-the-market-often-beats-timing-the-market) - [5 ways estate planning could reduce your loved ones’ Inheritance Tax bill](https://www.integritasfp.co.uk/blog/5-ways-estate-planning-could-reduce-your-loved-ones-inheritance-tax-bill) - [Comprehensive Guide: Prepare for Retirement & Maximising Pension Income](https://www.integritasfp.co.uk/blog/retirement-income-planner-maximising-your-pensions) [![ecddbe30-1fa5-4fd3-af26-aff5915f7a70](https://www.integritasfp.co.uk/hs-fs/hubfs/ecddbe30-1fa5-4fd3-af26-aff5915f7a70.png?width=2000&height=380&name=ecddbe30-1fa5-4fd3-af26-aff5915f7a70.png "ecddbe30-1fa5-4fd3-af26-aff5915f7a70")](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/sidebar/vouchedfor-top-rated-certificate.pdf) - 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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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