OYSTER BLOG

10th Charity Golf Day Results image

10th Charity Golf Day Results

Friday 1st July saw our 10th SO45 Charity Golf Day take place at Dibden Golf Course raising money for The Waterside Cancer Support Centre organised each year by Michael & Donna Osman.    Well, what a day! Our hope this year was to take the total we have raised in 10 years for local good causes, charities and projects to 100k.  Before the day our total raised from golf days...

A revolution in family law finally removes the need for blame as a basis for divorce. No one enters into marriage expecting it to end in divorce. However, it happens for many couples.    It can be an emotionally charged time but there are things you can d

Divorce. Be financially smart

Dealing With Divorce   A revolution in family law finally removes the need for blame as a basis for divorce. No one enters into marriage expecting it to end in divorce. However, it happens for many couples.   It can be an emotionally charged time but there are things you can do to make the process go more smoothly. Keeping a level head whilst negotiating a financial settlement is...

During our working lives with sleep and work hours we can expend a lot of the 168 hours, add in family time, hobbies, some learning and social time you will probably fill the 168 hours quite easily by balancing all of the above to suit you.    Will this b

168 hours a week even in retirement

168 hours in a week! How do you spend your time?   From the super wealthy billionaires to the ordinary person in the street we all have the same to spend each week in life now and retirement. All of us have 168 hours a week.   How do you ‘spend’ your time?   Do you feel like there is never enough time in the day, or are you sat around trying to find...

Oysters Guide to Estate Preservation - What will your legacy look like?

Oysters Guide to Estate Preservation

What will your legacy look like? Welcome to our Guide to Estate Preservation. This is an important part of wealth management, no matter how much wealthyou have built up. It’s the process of making a plan for how your assets will be distributed upon your death or incapacitation. Click for the full guide   This subject doesn’t only affect the very wealthy. Inheritance...

Building financial wealth.  Six tried and trusted principles to help you reach your investment goals.

Oysters Guide to Building Financial Wealth

Six tried and trusted principles to help you reach your investment goals. If you're new to investing, knowing where to start can be a daunting task.  The reality is that people should start saving and investing as early as possible.  The growth of savings and the power of compounding gives an enormous head start to those who can put money aside and invest in the early stages of...

Navigating the cost of living crisis.  How you can keep the cost of bills down while inflation is high

Navigating the cost of living crisis

How you can keep the cost of bills down while inflation is high. Rising inflation and increases in taxes are set to leave millions worse off in 2022.  Households are already grappling with the worst cost of living crisis in a generation but budgets have been further squeezed by a raft of pricwe and tax rises.  Inflation is the highest it has been in 30 years and no one is...

SO45 Charity golf day 10th year.  Can we reach our goal of 100k in our tenth year?

SO45 Charity Golf Day 10th Year

SO45 Online Charity Golf Day is 10! Friday 1st July see’s Dibden Golf Course host the 10th annual SO45 Online Charity Golf Day. 120 golfers are expected to take part in this years event. All attempting to be crowned champion golfer and win the prestigious Paul Brogan Memorial Trophy. Paul a local man and a keen golfer sadly lost his life to cancer in 2012 and as he was a friend and...

Fed up with you nine-five? Sixty is the most popular age to retire.   We know you’ll have different priorities for your wealth at different points in your life. Whatever your financial aims, we can help you achieve them.

Oysters May Financial Magazine

Welcome to our latest edition. Are you fed up with your nine-to-five? There are many factors that can influence when someone decides to retire. For some, it may be based on health reasons, while others may want to take advantage of government benefits or simply enjoy a more relaxed lifestyle. However, one of the most common factors that determines when people choose to retire is their age. On...

Some changes you can predict, while others you simply cannot.  But that doesn't mean you can't have a plan in place to help mitigate the impacts and protect your wealth, should something change in your life, like your career, your health or even your fami

Guide to Financial Protection

Prepare for the unexpected... Change is inevitable.  It's part of life. Click for the full GUIDE  Some changes you can predict, while others you simply cannot.  But that doesn't mean you can't have a plan in place to help mitigate the impacts and protect your wealth, should something change in your life, like your career, your health or even your family...

A Guide to smoothing out financial market volatility image

A Guide to smoothing out financial market volatility

So you have a lump sum to invest.  What now? Do you invest it all at once or bit by bit?  Will soaring inflation, rising  interest rates and further supply chain disruption fuel market volatility this year  and impact on your lump sum? Click here to read the full guide   Pound cost averaging enables you to create a more disciplined investment...

Invest your way out of inflation - Why now is the time to make sure that you protect your wealth

Oysters Spring Financial Magazine 2022

Welcome to our latest Oyster March/April 2022 edition.  CLICK FOR THE FULL MAGAZINE Articles featured in this issue: Getting ready to retire? Bolstering your retirement lifestyle as you approach retirement  Invest your way out of inflation Why now is the time to make sure you protect your wealth Looking to build a bigger pension? Don’t miss the...

Save Now Buy Later - Getting on the property ladder

Save Now Buy Later

SAVE NOW BUY LATER 1997 doesn’t feel too far away, right? Biggest new story of that year was the passing of Princess Diana. A lot has changed in the world since then. One of the biggest changes has been the relentless growth in UK housing prices. Back in 1997 the average house price in the UK was c£64,000, in 2020 that was £234,000 rising to a predicted £...

2021/22 tax year-end planning

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 to reduce your obligations wherever possible. The current tax year started on 6 April 2021 and ends on 5 April 2022.  Reviewing your tax affairs now will enable you to make the most of any allowable deductions and strategies available to...

Michael Osman 25 years as a financial adviser

25 years as a financial adviser

25 years, where has that time gone? This week I celebrate 25 years since I started my career as a financial adviser/planner. I don’t feel old enough!!! Beginning at Standard Life in 1997, 7 years there, 10 years as a director/planner with an IFA practice in Chandlers Ford and the last 8 years since we set up Oyster.  It’s been a really enjoyable time. As my clients will...

Oyster's New Year Financial Magazine 2022

Oyster's New Year Financial Magazine 2022

Welcome to our latest edition. Inside, we look at New Year’s tax saving resolutions to make sure you are fully utilising your relevant tax planning opportunities. With the tax year end (5 April) on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. CLICK FOR THE FULL MAGAZINE On page 08 we have...

The State Pension image

The State Pension

What will I receive from the State Pension in my retirement? The State Pension is a vital source of income for millions of retired people across Britain.  However, the system can be complex and it is important that you know how it works.  If you're looking to maximise your income in retirement, a good place to start is with your State Pension.  Click here to download...

How can I protect my wealth from inflation - Financial advice

Oyster's Autumn Financial Magazine

Welcome to Oyster's latest Newsletter magazine November/December 2021 edition. CLICK HERE FOR THE FULL MAGAZINE Articles featured in this issue: Change to the State Pension triple lock Pensioners ‘deeply disappointed’, particularly women and self-employed UK pensioners underpaid More than £1 billion in State Pensions impacted due to ‘repeated human...

Oyster's guide. Your options at retirement, turning pension savings into income for life

Oyster's Guide to your options at retirement

How to turn your pension savings into income for life.  There are many things to consider as you approach retirement.  It's good to start by reviewing your finances to ensure your future income will allow you to enjoy the lifestyle you want.  The earlier you start thinking about what you'll need for a comfortable retirement and where your money is going to come from...

Oyster's Autumn Financial News Magazine Sept/Oct 2021 image

Oyster's Autumn Financial News Magazine Sept/Oct 2021

BUILD YOU OWN FINANCIAL PLAN Vision without action is merely a dream   Welcome to our September/October 2021 issue. Inside, we look at how having a financial plan in place early on can make it easier to manage your money further down the line. It’s never too early to make a financial plan. Click here to view the full financial magazine The sooner you work out your goals...

Oyster's Summer 2021 Financial Planning Magazine

Oyster's Summer Financial Planning Newsletter

PENSION BOOST Welcome to our latest edition. Inside this issue, the unique combination of tax breaks and flexible access available to pensions makes them a compelling choice when saving for retirement. On page 08 we look at one of the key benefits of saving into a pension rather than another type of savings or investment vehicle – the generous tax relief you’re entitled to...

Oyster's Spring May/June Financial Magazine image

Oyster's Spring May/June Financial Magazine

Welcome to our latest edition. As we enter another new phase in the coronavirus (COVID-19) pandemic, each UK nation has set out a roadmap out of lockdown, a positive sign that we can hopefully start to get back on track both financially and emotionally. Click to download the full magazine   It’s always a good time to consider financial planning, but even more so at the start of...

Oyster's Financial Newsletter March/April 2021 image

Oyster's Financial Newsletter March/April 2021

Welcome to our latest edition. At the time of publishing, Chancellor of the Exchequer Rishi Sunak had not delivered his Budget 2021 speech. We’ll look at the key announcements and how these could affect your personal, family and business finances in the next edition. Click here for the full magazine Articles featured in this issue: Passing on pension benefits Providing for...

Oyster Budget 2021 Summary image

Oyster Budget 2021 Summary

Oyster Budget Summary 2021 Following Rishi Sunak’s Budget Speech yesterday, here is a high level summary of some of the announcements. If you do have any questions please do not hesitate to contact me. I’ve seen a calculation that looks at the implied calculated costs of the ‘giveaways’ looking like some £70 Billion over the next few years, from the Furlough...

Cheque Presentation to The Waterside Cancer Centre image

Cheque Presentation to The Waterside Cancer Centre

Here at Oyster Financial Planning aka SO45 Online presented a cheque for £5,200 to The Waterside Cancer Support Centre from our recent annual Charity Golf Day which took place in July this year raising £6,200, £1,000 of which was presented to Hythe Sea Scouts.   The Waterside Cancer Support Centre based in Hythe is a very special place with a specialist team offering...

SO45 CHARITY GOLF DAY - Wessex Cancer Trust image

SO45 CHARITY GOLF DAY - Wessex Cancer Trust

SO45 Charity Golf Day 2019 - Well what a day.  Our 7th Annual SO45 Golf Day was a huge success.  With the weather not so great, all 68 players joined us for a day of some great golf and possibly not so great.  As always everyone who took part enjoyed the day along with those that joined us for the presentation, raffle and auction and of course the game of heads n tails...

 

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