Thinking About Retiring Abroad? 10 Countries Worth Considering

For some people, retirement means staying close to home, family and familiar surroundings. For others, it means something completely different. Maybe you’ve always imagined spending more time in the sunshine. Perhaps you want a slower pace of life, more time outdoors or the chance to wake up somewhere that feels like a holiday. And with […]

Independent Financial Adviser in Chesterfield

Independent Financial Adviser in Chesterfield: How to Choose the Right Financial Adviser Near You For many people, searching for an independent financial adviser in Chesterfield starts with a practical question: who can I trust with decisions that affect my pension, investments, mortgage, tax position and family’s future? It is an important question. Good financial advice […]

10 Things People Wish They’d Known Before Retiring

Retirement is something many of us spend years working towards. We plan the pension. We think about where we might live. We imagine the holidays, hobbies and long lunches. But nobody can completely know what retirement will feel like until they’re there. And sometimes, the things that matter most aren’t the things you expected. Here […]

Could You Afford to Work Less?

What if retirement didn’t have to be all or nothing? For many people, the idea of working less sounds appealing. A four-day week. More holidays. Fewer early mornings. More time with family. But then the practical question arrives: Could I actually afford it? You might not be ready to retire completely. But that doesn’t necessarily […]

Could Your Profession Help You Borrow More?

Your job could make more difference to your mortgage options than you realise. When you’re working out how much you could borrow for a mortgage, it’s easy to assume the answer comes down to one thing: Your salary. But that’s not always the whole story. Some mortgage lenders have specific criteria for certain professions, particularly […]

Cashflow Modelling

Could you afford to retire earlier? Spend more on holidays? Help your children buy a home without putting your own financial security at risk? Cashflow modelling helps you explore these questions by bringing your income, spending, pensions, savings and future plans together in a financial forecast. At Jones & Co, we use cashflow modelling as […]

5 Money Conversations Every Family Should Have

Talking about money isn’t always easy. For many families, finances can feel like a private topic or something that’s best left until “another day.” But putting these conversations off can sometimes lead to confusion, missed opportunities and unnecessary stress further down the line. The good news is that they don’t need to be difficult. In […]

Financial Advice for 40 Year Olds: How to Build a Stronger Financial Future

Financial Advice for 40 Year Olds: How to Build a Stronger Financial Future Reaching your 40s often changes the way you think about money. You may be earning more than you did in your 20s or 30s, but you may also have more responsibilities, more financial commitments and less time to correct poor decisions before […]

Financial Advisor Near Me

Financial Advisor Near Me: How to Choose the Right Adviser for Your Future Searching for a financial advisor near me usually means one thing: you want clear, trustworthy financial advice from someone who understands your situation and can help you make better decisions. For some people, that search begins after a major life event. A […]

Financial Advice for 40 Year Olds: Taking Control of Your Financial Future

Your 40s are often described as the most important decade for financial planning. For many people, these are the peak earning years. Careers are well established, mortgage payments are underway, children may still be financially dependent, and retirement starts to feel much closer than it did in your 20s or 30s. At Jones & Co […]

The Importance of an Independent Financial Adviser

When it comes to securing your financial future, making informed decisions is paramount. Whether you’re planning for retirement, investing, or seeking advice on managing your assets, the right guidance can make all the difference. This is where an Independent Financial Adviser (IFA)  or Financial Planner steps in, offering personalised and unbiased advice tailored to your […]

Sowing seeds for the future: financial planning

The month of May is my favourite month. I see it as the month that bridges Spring to Summer. It’s the time where we see the seeds we planted earlier in the year start turning into shoots ready to blossom. This got me thinking of a person’s lifetime. Moreover, the different life stages we go […]

Is it time to spring clean your finances?

I know it’s February, but a friend asked me the other day if I’d made any New Year’s resolutions and, perhaps, more importantly if I’d stuck to them. I’m not a big fan to be honest. I’d rather (try!) and make sure I’m ready and organised all year round for whatever I may want to […]

How to build a financial plan

Building your own financial plan sounds quite daunting, right? Well, it really isn’t! If you’re prepared to invest a little ‘thinking’ time in putting a plan together, you’ll find it so much easier to manage your money in the long-term. What’s more, the sooner you have a plan and specific goals in place, the sooner […]

Why cash may not be king

How much of your wealth do you currently hold in cash? One paradox of the coronavirus (COVID-19) pandemic is that even as businesses have shut down and jobs have disappeared, some British households have, on average, been saving more money than they usually do, due to lower spending, according to new research[1]. But the choice […]

10 tips to achieving your financial goals

Time to diagnose your money situation with a financial health check? Even if you have a solid financial plan in place, it still needs to be updated regularly to ensure it reflects any life changes. But what should your priorities focus on now? Is it time to turn your attention to your pension, your ISA, […]

Write the life story you want

Most of us have an idea of how we’d like our life to go and where we’d like to be in the future. The question is: will you always have the money you need to live the life you’d like? As soon as you begin your working career, you start to accumulate wealth. So, if […]

Building a strategy that meets your financial needs

Preparing ourselves for life to be really strange for some time The only constant in life is change, which is why individual financial life planning should not be a one-off exercise. Reviewing your finances regularly is essential if you want to stay on track to meet your financial goals. Making sure your finances are in […]

Preserving your wealth: developing a clear plan for your wealth and property

Whether you have earned your wealth, inherited it or made shrewd investments, you will want to ensure that as little of it as possible ends up in the hands of the taxman and that it can be enjoyed by you, your family and your intended beneficiaries.  Without an appropriate estate plan, if you pass away, […]

10 reasons why financial planning is so important

Sound financial planning is the best way to help you determine your financial goals and create an individual plan to meet those goals. Cathy Smith, independent financial advisor with Jones & Co, outlines 10 reasons why financial planning is so important and how getting expert advice will get you just where you want to be! […]