Director & Chartered Financial Planner delivering financial planning advice in a language everyone can understand.
Company Pension Schemes If eligible, your employer must automatically enrol1 you into a workplace pension scheme. Paying into a pension scheme has important advantages as you not only benefit from your employer’s contributions, but you also receive tax relief on...
A Client’s Story: “After discussing my options in detail with Gemma, I realised my current company pension, like most generic employer-provided Defined Benefit schemes, assume you will use your fund to buy an annuity and progressively de-risk your investments as you approach retirement. This is not necessarily appropriate if you have a mixture of pension pots or intend to use your investments on a draw-down basis, in which case a significant proportion of your pension remains invested for 20 years or more.”
Gemma Darcy, Director of Darcy Financial Planning, has been advising clients for over 20 years. She tells us why understanding her clients’ lifestyle choices is the key to delivering the best service.
High income child benefit tax charge (HICBC) is nothing new, introduced in 2013, it made those earning over £50,000 liable for a tax charge. However, from 6 April 2024, this figure rises to £60,000.
“Inclusion, Diversity and Equality is important to me and my co-leadership role of the GE Women’s Network Renewable Energy UK&I allows me to support the improvement of gender within the organisation”
Darcy Financial Planning is delighted to offer its clients virtual events, hosted by St. James’s Place, giving a unique opportunity to connect with industry experts.
In our pursuit of a fulfilling life, our focus is often on accumulating wealth. However, managing our health – both mental and physical – is equally important for a happy future. Toni Jordan shares her experience of marrying her perfect partnership between health and wealth, emphasising the need to prioritise wellbeing alongside financial planning in preparation for retirement.
‘I met Gemma at a national Pulse conference for GPs,’ recalls Kiki. I was really confused about the changes to the NHS Pension Scheme, and also needed advice about income protection.
Like Maslow’s Hierarchy of Needs – a model for understanding what motivates and fulfils us as humans – the Financial Planning Hierarchy illustrates the various stages which can guide us towards our financially secure future.
In its simplest form, our Visual Cashflow Plan illustrates how much money our clients will have available to spend at anyone time throughout their lives.
When I took the leap to start my own business five years ago, the importance of creating a meaningful brand identity was not a high priority. At the time, I’d been an adviser in the financial services sector for over 14 years; going it alone – albeit with the power of St. James’s Place behind me – felt like a brave move.
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