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		Families find discussing their finances and mortality ‘uncomfortable’ The effects of ignoring the issue and failing to appreciate the value of protecting your family The latest Aviva Family Finances Report reveals that many UK families a... Read more...
		Estate planning requires a strong foundation and a clear plan of action Have you made sure your beneficiaries will be looked after? Estate planning should start early in life and is for everyone, not just the very wealthy. It is about ensuring control of your estate and planning ahead... Read more...
		Navigating the pensions landscape The future is always unknown, but when it comes to retirement it pays to be in the know The end of the tax year is fast approaching and marks a significant period of pension change as a result of the Finance Act 2011. The future is always unknown, but when it comes to retir... Read more...
		Beat the April ISA deadline Your questions answered Q: What is an Individual Savings Account (ISA)? A: ISAs were set up to give you tax advantages on your savings and investments. There are two types of ISA: Cash and Stocks & Shares. You can earn interest free of UK income... Read more...
		Expected retirement incomes hit five-year low Taking some practical steps now could mean a more comfortable retirement People retiring in 2012 expect to live on an average annual income of £15,500 – over £1,000 a year less (6 per cent) than those who retired in 2011. The figures come... Read more...
		The principal tenets of spreading risk in your portfolio A change in the calendar does nothing to change the investment outlook One of the principal tenets of spreading risk in your portfolio is to diversify your investments whatever the time of year. Diversification is the process of investing in areas tha... Read more...

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Newsletter issue #23


1st Financial Foundations is a trading name of 1st Financial Services (London) Limited which is authorised and regulated by the Financial Services Authority (FSA No: 454529)