Flora Stamato Limited

Flora Stamato Limited Financial Security. Create it. Protect it. Love it. Live it.

Although inflation has fallen this year, Christmas dinner may still end up being more expensive than in 2023.
17/12/2024

Although inflation has fallen this year, Christmas dinner may still end up being more expensive than in 2023.

They call it ‘stealth tax’. A 60% rate of income tax isn’t publicised in any HMRC guidelines because it’s an unofficial ...
12/12/2024

They call it ‘stealth tax’. A 60% rate of income tax isn’t publicised in any HMRC guidelines because it’s an unofficial effective rate of Income Tax. On paper it doesn’t seem to exist.

Yet, because the allowance for higher taxpayers tapers off the more you earn, it can become very real at tax year-end. The result? Those earning between £100,000 and £125,140 can end up paying 60% tax. If you’re in a profession that rewards strong performance with good bonuses, a great year ‘on paper’ can have a nasty sting-in- the-tail at tax year-end.

https://www.florastamato.co.uk/article/detail/sjpp/how-you-can-beat-the-60-tax-trap.html

Both South Korea and France are facing political challenges. Even before this, both countries have struggled this year.P...
09/12/2024

Both South Korea and France are facing political challenges. Even before this, both countries have struggled this year.

Past performance is not indicative of future performance.

Please note it is not possible to invest directly into a financial index and the figures shown do not take into account any charges applicable to the appropriate investment wrapper or any relevant tax charges.

Looking at the S&P 500 through the lenses of each generation highlights the volatility of equity markets, but also the p...
03/12/2024

Looking at the S&P 500 through the lenses of each generation highlights the volatility of equity markets, but also the potential for long-term investment returns.

Retirement planning remains the nation’s single biggest reason for seeking financial advice. For many over-44s, it’s a p...
29/11/2024

Retirement planning remains the nation’s single biggest reason for seeking financial advice. For many over-44s, it’s a priority, with one in three planning to actively seek guidance in the next six months.

However, the picture is starkly different for younger generations. Just 12% of Gen Zs and 18% of Millennials place retirement planning at the top of their financial priorities. This delay can have significant consequences.

St. James’s Place (SJP) analysis reveals that starting a pension just five years later could leave you with £67,000 less in retirement savings. These numbers highlight the importance of beginning retirement planning early and making informed decisions along the way.

Financial advice plays a critical role here, offering clarity and direction that can make all the difference. From setting achievable goals to navigating the complexities of pensions and investments, advisers help clients secure a comfortable and stress-free retirement.

https://www.florastamato.co.uk/article/detail/sjpp/planning-your-retirement-is-the-single-biggest-reason-for-seeking-advice.html

"While headline inflation has broadly fallen to the 2% target since the spike in energy prices, core inflation - which e...
27/11/2024

"While headline inflation has broadly fallen to the 2% target since the spike in energy prices, core inflation - which excludes volatile items like food and energy - remains close to 3% and wages are growing at around 4%. We expect inflation to remain higher for longer, reinforcing the importance of holding a well-diversified portfolio designed to navigate different economic conditions."

Hetal Mehta, Head of Economic Research

With last week's news that the Republican Party has secured full control of Congress, the likelihood of President-elect ...
19/11/2024

With last week's news that the Republican Party has secured full control of Congress, the likelihood of President-elect Donald Trump's policies becoming the reality has increased. But what impact might this have on markets? The chart below illustrates a compelling reality over the past 50+ years: for investors with a longer-term view, US stocks have provided positive returns.

Last week’s market update in 7 mins: https://ow.ly/z6y350U4qF5💼 Wall Street opened at a new record high on Wednesday, pa...
12/11/2024

Last week’s market update in 7 mins: https://ow.ly/z6y350U4qF5

💼 Wall Street opened at a new record high on Wednesday, partly on relief that there was an uncontested result of the US election.

📊 Acknowledging that the previous week’s Budget would cause inflation to creep higher, the Bank of England (BoE) went ahead with its widely expected cut in interest rates from 5% to 4.75%.

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Conversations about money can feel uncomfortable but they might be some of the most important to have. As difficult as i...
05/11/2024

Conversations about money can feel uncomfortable but they might be some of the most important to have.

As difficult as it might feel in the moment, it can help you reach a resolution and make things easier for everyone in the long run.

Last week’s budget saw one of the highest increases in Government spending in recent years – paid for by a combination o...
04/11/2024

Last week’s budget saw one of the highest increases in Government spending in recent years – paid for by a combination of tax rises and borrowing.

🎃 Did you know? One of the oldest money ‘superstitions’ comes from Halloween traditions! People used to believe that car...
31/10/2024

🎃 Did you know? One of the oldest money ‘superstitions’ comes from Halloween traditions! People used to believe that carrying a coin from dusk till dawn on Halloween night would bring wealth in the coming year.

While we’ve moved on from superstitions, financial planning is still all about preparing for what’s to come. Just like any good costume or Halloween plan, having a strong financial foundation today can help prevent future frights.

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