Godfrey Wealth Management

01/09/2025

Joe has worked for us for nearly 6 years, he is a huge part of our team, an integral part of our business and a joy to have around.
We had the pleasure of sharing the most beautiful day with Joe and his wife Elicia as they got married last weekend.
Please join us to wish them every happiness in their future together.
Enjoy your honeymoon you two ☀️ 🌊 🥂

12/12/2023

This year we might have helped more families than ever - to make sure they are properly protected in the event of sickness or more tragic circumstances. If you're not certain you have the cover you need, why not speak to us to make sure?

We will review your current financial circumstances, your future plans, and compare your needs to the protection plans you are paying for. Then you will get an free and honest appraisal of where you stand!

That none of us knows what the future holds has been driven home emphatically in recent years. Any complacency about the stability of household finances has surely been wiped out by the developments that have unfolded since the turn of the decade.

07/11/2023

If worrying about money is affecting your mental health, you may find you’re less able to make any decision about your finances, let alone make good decisions. So starting a conversation with a financial adviser can be a good first step to sorting out the situation.

Conversations about money, especially conversations about money within families, can become very emotional. Having a financial adviser who’s one step removed from the situation, and supportive, can help you face the issues, and move forward.

It can be a vicious circle. Worrying about paying the bills makes it harder to earn and manage your money. And feeling that you’re not on top of your finances can make you worry even more. That can have a direct impact on your mental health.

02/10/2023

CGT is a complicated area of tax-planning and can trip many of us up. It can make selling assets seem fraught with hassle. But depending on your circumstances and over the long term, it could still work out to be more tax efficient than drawing down other assets, such as your pension.

By talking to us and considering all your assets together – rather than in isolation – you’ll be able to build a solid, holistic financial plan for your future We’ll be able to help you work out which assets you need to sell and when, or which you might want to give away.

Selling a second property? Cashing in a share portfolio? When you sell a valuable asset that’s gone up in value since you bought it, you may have to pay Capital Gains Tax or CGT on your profits.

21/09/2023

Many people are reluctant to tell their financial adviser that they have a problem that could make them vulnerable, especially if they’re blaming themselves for their financial situation. But talking about debt, or money issues, is a positive step towards restoring your financial wellbeing: A financial adviser can be a shoulder to cry on – and then can look at the facts without emotion to help you take a degree of control over the situation. It can take the emotion out of the situation.

Any one of us can find ourselves vulnerable, at any point. Since Covid, and the cost of living crisis, the number of vulnerable people in our society has soared. In May 2022, the FCA reported that 47% of the population showed characteristics of vulnerability – struggling with daily life and everyd...

18/11/2022

So, what does the Autumn Statement mean for you?

Today, the Chancellor of the Exchequer, Jeremy Hunt stood up to present the Autumn Statement and medium-term fiscal plan to Parliament. This has been much awaited since the huge U-turns a month ago following the “mini-budget” announced by the former Chancellor Kwasi Kwarteng on 23 September. The...

09/11/2022

It might be more important than ever, and we can help you work out the balance of savings and investments that’s right for you.

In a perfect world, most of us would be both saving for the shorter term and investing for the medium term (six months to five years) and long term.

Go deeper into it, however, and it becomes clear we’re talking about two quite distinct activities. For example, what do we mean by the future - next week, next month, next year or indefinitely? How much are we putting aside, where does it go and what do we want from it?

03/11/2022

Virtually all of us engage with the financial-services industry in one form or another, often on a day-to-day basis.

Being able to do that effectively should therefore be simple, because it’s so essential to all our lives.

Yet financial products and services are often made unnecessarily complex by the language the industry uses to communicate with its customers.

Yet financial products and services are often made unnecessarily complex by the language the industry uses to communicate with its customers.

10/10/2022

Pension awareness week is 31st October - 4th November. Even if you don't feel 'old' yet, it is important to plan for how and when you will slow down or retire!

Pensions Awareness Week is coming up (31 October - 4 November), which aims to encourage people of working age to take notice of their pensions and start planning for retirement.

05/10/2022

Top 5 tax FAQs....

Tax is a crucial part of financial planning. Taking advantage of the numerous tax reliefs and allowances not only means you don’t pay more than you need to, but it can also go a long way towards helping you achieve your financial goals.

06/09/2022

The people have spoken. Or to be more precise, 0.29% of the population has decided that Liz Truss is to be the new leader of the Conservative Party, and the UK’s next prime minister.

After a quick trip to Balmoral today, she will need to hit the ground running on an unenviable list of challenges.

The people have spoken. Or to be more precise, 0.29% of the population has decided that Liz Truss is to be the new leader of the Conservative Party, and the UK’s next prime minister.

16/05/2022

Average annual energy bills shot up by £693 to £1,971 in April1 as the energy price cap increased. With the cap set to rise again in October, the energy crunch is significantly eroding people’s income and savings – and threatening a financial wellbeing crisis.

Runaway energy prices unfortunately hit lower income brackets disproportionately. But financial worries aren’t necessarily linked to income. Low financial wellbeing can affect anyone, and the current crisis will impact people across the wealth spectrum.

Average annual energy bills shot up by £693 to £1,971 in April1 as the energy price cap increased. With the cap set to rise again in October, the energy crunch is significantly eroding people’s income and savings – and threatening a financial wellbeing crisis.