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Local Free Financial Advice

Oyster – Here to Help You! Have you been affected financially from this year’s pandemic? Are you worried about money? Did the Coronavirus halt a plan to start a new business or maybe even retire? Possibly you have been furloughed and are worried what will happen when the government stop or reduce the support they are currently giving? If you tick any of these...

Retirement planning

Oyster's Autumn Newsletter - Various Pension Allowances

TAKE IT TO THE MAX - How to make the most of the various pension allowances   As the world continues to work out how to live with coronavirus (COVID-19) pandemic, many will agree that the new normal needs new thinking.    The pandemic has unleashed changes that seemed unthinkable only six months ago.  Along with the health, safety and well-being of family, friends and...



It has certainly been an uncertain year so far.  For many people this uncertainty will cause you to question your financial future.  Here are some guides covering some questions you might have or indeed provoke questions you need help in answering.  Oyster can provide you with a free discovery meeting face face to face with social distance guidelines in place, via zoom, over...

Oyster's Summer Financial Planning Newsletter image

Oyster's Summer Financial Planning Newsletter

Welcome to our latest issue. A return to how life was at the start of 2020 is some way off. Even now that lockdown restrictions are starting to be eased, coronavirus (COVID-19) will continue to affect our lives in many ways. CLICK HERE FOR THE FULL MAGAZINE Whether you have earned your wealth, inherited it or made shrewd investments, you will want to ensure that as little of it as...



LIFE INSURANCE PROTECTION Suddenly we're having to think about things we may not have thought about before - including the unthinkable... Are you covered? Download Oyster's guide to Protection and Life Insurance.   https://www.oysterfinancialplanning.co.uk/media/files/1591785331oysters-guide-to-life-insurance.pdf "The outbreak of coronavirus may mean you have...



Good morning everyone As another week passes of the Coronavirus outbreak, we will endeavour to keep you as financially informed as we possibly can. CLICK HERE FOR BROOKS MACDONALD'S WEEKLY MARKET UPDATE It seems that every day we are getting new news and more stringent measures dictated by the government to control or at least delay the peak of the virus. At Oyster all of our...

BUDGET SUMMARY - March 2020 image


The Chancellor has been in his job for less than a month. Not only did he have to try and keep the Traditional Conservative’s happy after a strong victory in the recent General Elections, he also had to appeal to the traditionally Labour seats which recently ‘lent’ their votes to the Conservatives in order to boost their changes of retaining those seats in the future. In...

ISA deadline Investment opportunity

ISA Window is Closing - Investment Opportunity is Opening

You will no doubt all see the short-term turbulence in the world’s stock markets caused in the main by the panic and uncertainty caused by the Coronavirus Pandemic.   The last three weeks have seen huge sell off’s as the world comes to terms with the situation.  We have been here before.  In April 2003, after the SARS outbreak the S&P 500 in the US was up 14.5% in...

Stock Market Turbulence, Dips in Stock Markets, Affects of Oil Prices, Affects of Coronavirus on Stock Markets

Stock market turbulence, Coronavirus and global oil prices

Further to recent stock market turbulence, you will no doubt have seen temporary falls and volatility.   Not only do we have the Coronavirus issues, we now have issues with global oil prices. Please click on the link below to download Brooks Macdonald Investment Managers weekly market commentary which touches on these issues. Weekly Economic Market Commentary  If you...

2019 Election results image

2019 Election results

The first December General Election since 1923, and the third in the last five years, has produced a Conservative majority on a scale that has not been seen since Margaret Thatcher's 1987 victory.  So what do we know so far and what does this mean for Britain?   Read the full article provided by BROOKS MACDONALD  to discover what we know and insights in to what this could...

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...

CRITICAL ILLNESS COVER -  Don't let a life-changing moment disrupt your life further image

CRITICAL ILLNESS COVER - Don't let a life-changing moment disrupt your life further

CRITICAL ILLNESS COVER It really is that important!   Tax Free Lump Sum Critical illness Cover, either on it’s own  or as part of an insurance policy, is designed to pay you a tax-free lump sum on the diagnosis of certain specified or life-threatening or debilitating (but not necessarily fatal) conditions, such as a heart attack, stroke, certain types/stages of cancer...

Making Financial Gifts - Passing on your assets effectively whilst you're still alive image

Making Financial Gifts - Passing on your assets effectively whilst you're still alive

Some people like to get their affairs in order whilst they are alive, which can include transferring some of their assets.  These are known as 'Lifetime Transfers'.  Whilst we are all free to do this, it is important to be aware of the potential implications of such gifts with regard to Inheritance Tax therefore you should seek professional advice from your Financial...

Volatile Stock Market - Wait for the bad weather to pass and stay the course image

Volatile Stock Market - Wait for the bad weather to pass and stay the course

Whether its rough seas or volatile stock market, the same rules apply.  When storms rock the boat, don’t jump ship – wait for the bad weather to pass and stay the course. Volatility fluctuates based on where we are in the economic cycle, but it is a normal feature of markets that investors should expect. When stock markets start correcting, daily injections of bad news may sound...

WE ARE LIVING LONGER - Will your retirement fund be enough? image

WE ARE LIVING LONGER - Will your retirement fund be enough?

RETIREMENT LONGEVITY Your destiny is in your own hands If you are in your 550’s or 60’s your thoughts are probably turning towards retirement. When should you retire? How much money do you need? DID YOU KNOW….. Britons aged 30 today have a 50% chance of living to more than 100, while 50 years olds have an even chance of reaching 95.  Longer...

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...

SHOW ME THE MONEY - Turning Pensions into money you can use image

SHOW ME THE MONEY - Turning Pensions into money you can use

  Today, you’ve got a number of options and permutations available when it comes to what to do with your pension in retirement.  But lots of choice can also mean increased confusion. Consider your options How long will your pension pot last? Guaranteed income for life (this is also known as an annuity) Take flexible cash or income (this is known as drawdown...



Inheritance tax is no longer something that only affects the very wealthy, but the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face. When someone dies, Inheritance Tax is charged on their estate above a certain value.  A persons estate is basically everything they own, including their main property, any other properties, cars...

Why Silence isn't necessarily bliss image

Why Silence isn't necessarily bliss

Over six Million adults refuse to discuss their Will with loved ones. Making a Will is so important if you care what happens to your money, your belongings and your loved ones after you die and most of us do.  But have you tried to talk with your children about your Will?  If that conversation isn’t happening, you’re not alone. Not only are parents finding it...




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