Patrick Murphy
DECADE-BY-DECADE GUIDE TO RETIREMENT PLANNING
Building a strong plan that works with your life now, and tomorrow. Retirement planning can seem overwhelming, especially when you don’t...
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Patrick Murphy
PLANNING AND PREPARING FOR RETIREMENT
T A K I N G A P R O A C T I V E A P P R O A C H T O R E T I R E M E N T P L A N N I N G Retirement planning can seem overwhelming,...
Patrick Murphy
Zen and the art of Financial Planning
Zen is a spiritual practice that originated in ancient China and has since spread throughout the world. It emphasizes living in the...
Patrick Murphy
Revisiting your Financial Plan in the new Tax Year.
Helping you to put the future in focus. GUIDE TO REVISITING YOUR FINANCIAL PLAN IN 2023. It’s the start of a new tax year so you might...
Patrick Murphy
SO WHAT CAN BE DONE TO MINIMISE YOUR CGT LIABILITY?
When it comes to CGT, professional advice is essential. Seeking professional financial advice can help you understand your CGT options,...
Patrick Murphy
TAXING TIMES - Time for a Tax Health Check?
With the current tax year having begun on 6 April 2022, the clock is ticking and it is important to utilise all the tax reliefs and...
Patrick Murphy
Are you ready to retire?
As you approach the last five years before your retirement, there will be a lot of things to consider. You’ll need to think about your...
Patrick Murphy
NEED HELP NAVIGATING THE COST OF LIVING CRISIS?
The first thing you need to do is take control of the situation. It’s easy to get discouraged when trying to address the rising cost of...
Patrick Murphy
LOOKING TO CREATE A MORE DISCIPLINED INVESTMENT APPROACH?
When it comes to investing your money, making regular investments can offer more benefits than investing a lump sum. So you have a lump...
Patrick Murphy
LASTING POWERS OF ATTORNEY
Giving someone you trust the authority to help you make decisions. As someone becomes more unwell, they’re likely to find it more...
Patrick Murphy
2021/22 TAX YEAR-END PLANNING
Protect yourself, your family and your future. As another tax year end approaches, it’s important to finalise your 2021/22 tax planning...
Patrick Murphy
A GUIDE TO FINANCIAL ADVICE FOR BUINESS OWNERS
Helping you maximise the rewards of your efforts and success. You work hard for your business, no doubt to provide a better life for you...
Patrick Murphy
NEW YEAR ‘INVESTMENT’ RESOLUTIONS FOR 2022
Welcome to our Guide to New Year ‘Investment’ Resolutions. Like millions of Britons, you’ve probably made some New Year’s resolutions....
Patrick Murphy
THE STATE PENSION
What will I receive from the state in my retirement? The State Pension is a vital source of income for millions of retired people across...
Patrick Murphy
GUIDE TO SELF-INVESTED PERSONAL PENSION PLANS
A flexible, tax-efficient way of saving for your long-term future. Welcome to our Guide to Self-Invested Personal Pension Schemes. Saving...
Patrick Murphy
PENSIONS AND RETIREMENT STILL REMAIN A TABOO SUBJECT - WHY NOT TALK ABOUT THEM OVER CHRISTMAS?
When it comes to marriage and money, it’s good to talk. Millions of married couples have no idea about their spouse’s pensions and...
Patrick Murphy
WHAT DO YOUR RETIREMENT PLANS LOOK LIKE?
Pandemic sparks a surge in over-50s seeking professional financial advice. The coronavirus (COVID-19) pandemic has sparked a surge in...
Patrick Murphy
PANDEMIC TRIGGERS SHIFT TO SAVING
People thinking more about their spending and financial priorities. The coronavirus (COVID-19) pandemic has lead to more people...
Patrick Murphy
INVESTING WITH IMPACT
How ESG creates long-term value It’s no secret that the growth of Environmental, Social and Governance (ESG) investments in recent years...
Patrick Murphy
FESTIVE GIFTS THAT TEACH CHILDREN THE VALUE OF MONEY
Why parents should look to Christmas investment gifts instead of toys. With the festive season upon us, have you thought about gifting...
Patrick Murphy
HOW CAN I PROTECT MY MONEY FROM INFLATION?
Five questions to ask before inflation really takes off. ‘How can I protect my money from inflation?’ is a question that many people may...
Patrick Murphy
Mind the divorce gap
WOMEN SEE INCOMES FALL BY 33% FOLLOWING DIVORCE, COMPARED TO JUST 18% FOR MEN. Divorce is an emotionally charged event–and can be an...
Patrick Murphy
HELPING YOU ACHIEVE YOUR FINANCIAL GOALS
Whatever stage of life you’ve reached and whatever the status of your current financial situation, you could see a vast improvement in...
Patrick Murphy
Reappraisal of urban living
THREE MILLION PEOPLE IN THE UK AGED OVER 50 CONSIDERING RELOCATING The coronavirus (COVID-19) pandemic has led to a reappraisal of urban...
Patrick Murphy
Financial Freedom for Business Owners
Over the past 2 decades I have assisted numerous clients in growing their wealth and exiting their businesses. In the process they have...
Patrick Murphy
‘It’s not what you earn, it’s what you keep’
THE POTENTIAL IMPACT TO YOUR EXPECTED RETIREMENT INCOME OVER TIME When you’re planning your retirement income, there are multiple factors...
Patrick Murphy
Pension boost
ARE YOU CLAIMING ALL OF THE TAX RELIEF YOU’RE ENTITLED TO? The unique combination of tax breaks and flexible access available to pensions...
Patrick Murphy
Minimum Pension Age To Increase
AGE CHANGE TO WHEN PEOPLE CAN START TAKING PENSION SAVINGS The government has confirmed that it plans to increase the minimum pension age...
Patrick Murphy
Sustainability Matters
PLAN FOR A BETTER TOMORROW, TODAY Responsible investment is a catch-all term to broadly describe funds that invest to make a positive...
Patrick Murphy
Grandparents,Grandchildren and Money
SHARING YOUR WEALTH DURING YOUR LIFETIME CAN MAKE A BIG DIFFERENCE With all of us leading longer lives, you might be considering how you...
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Retirement Options.
What can you do with your Pension Pot? When the time comes to access your pension, you’ll need to choose which method you use to do so,...
Patrick Murphy
Boost Your Pension Savings
PLANNING TO ACHIEVE YOUR RETIREMENT GOALS SOONER? Are you ‘mid or late career’ or planning to retire within ten years? If the answer’s...
Patrick Murphy
A New Tax Year, A New Start For Your Finances
CREATING A ROAD MAP FOR YOUR FUTURE FINANCIAL SUCCESS It’s always a good time to consider financial planning, but at the start of a new...
Patrick Murphy
Will Your Pension Run Out Early?
An increasing number of people have been forced into early retirement due to the economic impact of the coronavirus (COVID-19), with many...
Patrick Murphy
Managing Emotions and Expectations During Covid-19 Market Uncertainty
Riding the highs, and experiencing the lows, it is the way of the investment market.
Patrick Murphy
Were we unprepared?
It’s rare that I have the time to sit down and think about my own affairs, I am usually pre-occupied on the affairs of others. However,...
Patrick Murphy
Talking about money can be hard to do. Are we worse off for it?
Generally, people find it hard to talk about money, it is often an emotive subject. We just don’t like to talk about it – even to those...
Patrick Murphy
Goodbye 2018 and Hello 2019!
As we approach 2019 and beyond, I wanted to reflect on the year past. Having just enjoyed another Christmas with the family, it offers...
Patrick Murphy
Recent Market Volatility
At times when market volatility increases, it is important that you do not make knee jerk decisions. Its why we all need reminding, that...
Patrick Murphy
Make sure you pick the right team
At Zen Wealth we don’t really talk about investment performance and there are reasons for this. We have a long-held belief that trying to...
Patrick Murphy
Slow Motion House Price Correction?
As part of our regular communication pieces, we thought it would be nice to hear from some of the managers who invest our clients’ money....
Patrick Murphy
What's your plan?
The aim of creating this blog, was to share some of my own stories and how they tie in with my role as a Financial Adviser. The single...
Patrick Murphy
Long Term Care - Why Advice Matters
Life has a way of throwing us curve balls, we never really know what is around the corner, and for the vast majority of us, planning for...
Patrick Murphy
If I knew then what I know now
The journey through care can be a challenging one, having been personally navigating the landscape for over nine years both personally...
Patrick Murphy
Social Care - 7 Principles for reform
The Health and Social Secretary Jeremy Hunt earlier this week outlined key principles for the reform of Social Care. These plans...
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