10 genius tools to help you plan for your financial present and future | Personal Finance | Finance

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Few things are worth more than peace of mind.

One of the best ways to achieve this is through careful financial planning and protection.

Here are some useful services to make it easier, from tips on setting up wills to apps which can help you save money…

Make a will and prepare for the future

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A will is one of the most important documents you’ll write, empowering you to make important decisions now to help your loved ones later.

Taking the time to draw up a will means you won’t have to worry about issues such as family conflicts or sideways disinheritance for your children, your home having to be sold to cover care home fees, or losing 40% of the estate you’ve worked hard for all your life to inheritance tax.

SCL Wills and Probate’s team of specialists can advise on the best provisions to include in your will based on your personal circumstances. It partners with accountants and financial advisers to provide solutions for any concerns around tax, succession planning for business owners or care home fees.

Visit sclwillsandprobate.co.uk/offers or call 020 3004 8269 for a free consultation.

Check if you’re due a stamp duty refund

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If you have an SIPP (self-invested personal pension) or SSAS (small self-administered scheme) pension holding commercial property, you may be in for a tax windfall.

SDLT Refunds’ research shows that thousands of people may have paid stamp duty in error when transferring their business premises into their pensions over the past 16 years.

The company can help you to get that money back – it offers a free initial assessment and operates on a ‘no win, no fee’ basis.

Find out more at sdltrefunds.ctatax.uk.com/pensions

Navigate the timeshare minefield

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Are you regretting buying a timeshare or holiday product offering weeks, points or fractional ownership and just want out? Are you being inundated with cold calls about cancelling your timeshare and claiming a refund?

Bronze Services Europe offers a no-win, no-fee solution to these sorts of common problems. Whether you just want to cancel or feel the product was mis-sold and want to claim, help is at hand. Bronze Services Europe is a fully licensed and regulated company with seven years of experience in cancelling timeshare and holiday products.

Call 0800 8021801 for a free, no-obligation assessment or email claims@bronzeserviceseurope.com

Take a new approach to investments

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Knowing who to trust with your investments can be tricky.

That’s why a handful of private investors, disappointed by the way they’d been served by the personal finance industry, decided to take control of their own investments. They came together to form Saltydog Investor and now call on their hard-won experiences and unique insights to serve their clients effectively, providing information specifically designed to help people manage their own investments. The team use demonstration portfolios, funded with their own money, to explain how the data can be used.

In the past 10 years, Saltydog Investor’s most cautious portfolio, the ‘Tugboat’, has not only significantly outperformed cash ISAs and savings accounts, but even beaten the FTSE 100.

If you’d like to know more, visit saltydoginvestor.com

Help is on hand to submit your insurance claim

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Making a domestic property claim or business claim against your insurer can be a complex process. It’s usual for insurers to use the services of an adjusting company to protect their interests, which can become mired in poor communication and lead to claims being denied.

As an insurance assessing company, Oakleafe Claims provides a claim preparation and negotiation service for policy holders that’s unparalleled in the industry, with experience and qualifications to match those of the adjusters.

The company will protect your position and ensure the claim is presented correctly. The adjuster will, of course, still review the claim, but quantifying it correctly and presenting it under the right heads of the policy will always lead to a smoother experience and a far greater level of satisfaction.

For help putting in a claim, visit oakleafe.claims

Top-notch asset management services

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It’s often the little details that can be most important and time-consuming when it comes to property management. 

ReQuest is an award-winning asset management company that specialises in helping clients to manage their luxury property portfolio while including lifestyle concierge services to take the stress out of letting high-value assets. Covering every aspect of property management, as well as holiday planning, fine dining and bespoke shopping services, the experienced and dedicated team works 24/7 to relieve you of those aspects of your life that deprive you of quality time.

Enjoy a one-month free trial of the entry-level concierge services by quoting ReQuest2021 in an email to info@requestestates.com, in the website contact form at www.requestestates.com/enquire or via the WhatsApp number (+44 20 3976 7024).

Offer valid until 30 April 2021

Take the hassle out of everyday transactions

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The Kroo app aims to help you to manage your personal and social spending with ease through powerful bill splitting and tracking capabilities, not to mention the convenience of settling up instantly. You can share expenses with multiple people easily and securely, making it the perfect app to track bills for, say, couples, a flatshare, a five-a-side football team, and day-to-day spending.

Kroo does all the maths for you, so you can settle up quickly and easily with in-app money transfers.

Furthermore, the Kroo debit Mastercard allows you to spend with zero fees, both home and abroad. Download the app at kroo.com

Use AI to save for the future

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Chip is an app that aims to automatically build and grow your savings. It offers an AI that puts aside money based on your spending habits and goals.

Chip aims to grow your savings by bringing you market-leading savings accounts. These exclusive accounts were traditionally the preserve of the wealthy, but Chip pools users’ money to negotiate directly with private banks and open up these accounts for everyone.

Finally, the Chip+1 account offers the market’s best return on easy-access savings (1.25% variable). Chip+1 is unlocked by referring a friend or using a valid referral code. Fees apply for some services. Download Chip and enter the code CHIPEX21to unlock Chip+1. getchip.uk

Make estate planning part of your plans for the future

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Sorting out your personal finances can be all too easy to put off. After all, looking at pension arrangements or trying to find the best interest-bearing bank account isn’t always the most exciting use of one’s time.

But it’s never too early to plan for the future. Let JM Finn help you with the tricky prospect of estate planning and accounting for what will happen to your wealth after you’ve gone. The team offers high-quality, personalised investment management services that aim to meet the demands of today’s private and professional investors. jmfinn.com/nevertooearly

Keep your data safe and secure (Image: )

Cyber security and data protection can sometimes feel fraught with jargon and technical language.

Cut through the guesswork with Hayes Connor Solicitors, which specialises in data breaches, data protection and cybercrime.

The team helps clients to receive fair redress following data protection violations, GDPR breaches, push payment frauds and other cyber offences. If you believe you’ve had your private information exposed by a financial institution, an employer or a public sector body, then Hayes Connor can help.

It has a wealth of experience in securing financial compensation for distress and recovery of any losses, as well as obtaining an apology and an assurance that data will be stored more securely in future. hayesconnor.co.uk





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