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5 essential money lessons that could improve your child’s financial independence
Between 12 and 16 June, Young Enterprise runs a national campaign across primary and secondary schools with the aim to give children the skills and knowledge necessary to understand finances to thrive in later life. Taking place every year since 2009, My Money Week has already taught hundreds of thousands of young people how to budget, save wisely, and manage credit card debt. My Money Week is the perfect time to teach your children about money and improve their financial lit

Tom from Harken Financial
May 12, 20234 min read
4 red flags that could be signs of a scam and what you need to know about them
Each year in June, Citizens Advice runs a two-week scam awareness campaign, aptly named “Scam Awareness Fortnight”. The organisation hopes its movement will raise your awareness of common scam tactics, and mean you’re confident that you know what to do if you spot one. This fantastic campaign comes at a convenient time, as investment scams have been on the rise in recent years. Indeed, FT reports that calls to the Financial Conduct Authority (FCA) related to investment scams

Tom from Harken Financial
May 12, 20234 min read
4 essential Budget announcements that could boost your pension
In a bid to encourage early retirees back to work, chancellor Jeremy Hunt unveiled several changes to pension allowances during the Budget. The announcements could mean you’re able to save more in your pension and boost your retirement income. Here are the four key pension changes Hunt announced. 1.The Lifetime Allowance will be abolished Previously, the Lifetime Allowance (LTA) has limited the amount of pension benefits you could tax-efficiently build up in total. Those that

Tom from Harken Financial
May 12, 20233 min read
Estate planning: 3 crucial steps that could protect your later years
Estate planning is an important part of your financial plan. Not only does it ensure your assets are passed on to who you wish and considers areas like Inheritance Tax (IHT), but it could provide you with peace of mind about your future too. Over the last few months, you’ve read about why estate planning matters, how to decide who to pass on assets to, and when you need to create a plan for IHT. Now, read on to find out what steps you could take to improve your own financial

Tom from Harken Financial
May 12, 20233 min read
Investment market update: January 2023
Investors should expect further volatility in the markets in 2023, experts suggest. Economies around the world are facing recession due to factors including high inflation and rising interest rates. The International Monetary Fund’s Kristalina Georgieva predicts that a third of the global economy will be in recession this year. The World Bank also has a similar outlook, as it cut its global growth forecast from 3% to 1.7% after risks identified six months ago materialised. Th

Tom from Harken Financial
Feb 7, 20234 min read
The must-have home features that could make your property more attractive
Given that energy prices have soared, it’s not surprising that energy efficiency measures have become essential to homeowners. However, a...

Tom from Harken Financial
Feb 7, 20233 min read


Millions of fixed-rate mortgages are ending. Discover 6 practical steps you can take now
Over the last year, interest rates have increased from historic lows. Fixed-rate mortgage payers that have been shielded from the rises...

Tom from Harken Financial
Feb 7, 20234 min read
4 reasons you may want to boost your ISA before the tax year ends
You have until 5 April 2023 to make the most of your ISA allowance for the current tax year. If you want to boost your savings or...

Tom from Harken Financial
Feb 7, 20234 min read
Is your mindset holding you back from enjoying your retirement? Financial planning could help
When you think about retirement planning, what challenges come to mind? While ensuring you have enough saved and that you don’t run out...

Tom from Harken Financial
Feb 7, 20234 min read
Estate planning: How to understand the value of your assets and estate
When you’re deciding how to pass on assets and who you want them to go to, understanding their value, and how this might change, is...

Tom from Harken Financial
Feb 7, 20233 min read
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