Salt & Light Financial Services Limited

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Salt & Light Financial Services Limited

A Christian financial planning practice offering financial coaching & planning to those who need it!

21/12/2023

Merry Christmas 🎄

10/10/2023

It’s today 🌍

As humans we desire the following:

🙏🏼 Security
🙏🏼 Self-worth
🙏🏼 Significance

Do you feel empty in any of these areas? 🤷🏽‍♂️

If you do, talk to someone. Talk to me. I’ll always listen 😊

03/08/2023

What could selling your company mean for you ⁉️

Some companies like the idea of selling to a Private Equity company…

Want to know the pros ⁉️

And cons ⁉️

https://www.saltandlightfs.co.uk/article/detail/sjpp/the-pros-and-cons-of-selling-your-sme-to-private-equity.html

Link in the story 🔗

12/07/2023

DON’T leave your family an AVOIDABLE Inheritance Tax (IHT) bill ‼️

In the last tax year (2022-23) bereaved families paid £6.1 billion in , the largest single-year rise since 2015-16! 😱

Many people know that they can gift money to reduce the size of their estate… 😬

But…

Did you know that benefits like Death in Service / Pension Death Benefits can also be shielded from IHT? 🥳

Did you even know that they might be taken into account when it comes to the calculation? 🤷🏽‍♂️

Have a read of the article to learn more 👇🏼

https://www.saltandlightfs.co.uk/article/detail/sjpp/dont-leave-your-family-an-avoidable-iht-bill.html

👉🏼 OR LINK IN THE BIO 🔗

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10/07/2023

‼️7 Reasons to Review the Auto-Enrolment Obligations in YOUR Business ‼️

In October 2012, the UK Government introduced pension reforms, known as Auto Enrolment. Over the course of a phasing-in period, all employers were required to auto-enrol all eligible employees into a Qualifying Workplace Pension Scheme.

As a company director or business owner, it’s your obligation to understand which schemes qualify, the process involved, how they’re structured and the regulations you must comply with 🫵🏼

Since April 2019, employer contributions have been a minimum of 3%. Member contributions are at least 5% (this includes 1% rate tax relief). This gives a total pension contribution of 8% 📈

WHY ACT NOW? 🤷🏽‍♂️

1️⃣🚨Your existing scheme might be poor value or might even be unfit for purpose. You might need to change it or make it more efficient

2️⃣📊 Budgeting in advance will allow you to prepare for and minimise costs

3️⃣🤝🏼 Strategic Planning will let you find the best solution for your staff

4️⃣👷🏼‍♂️ Employee communication – they need to know what’s going on

5️⃣💰 Consider Salary Exchange – it could save you money!

6️⃣😱 Making sure you meet your regulatory requirements can protect you from penalties of up to £10,000 per day for larger companies

7️⃣🪜 Be one step ahead and beat the rush

There are plenty of solutions available, and it is important to note that the most obvious one might not be the right one for you 👍🏼

📧 Contact me to talk through your workplace pensions needs 📞

https://lnkd.in/e-VT3BdB

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The value of a pension will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

07/07/2023

Do you consider financial wellbeing? 🤷🏽‍♂️☀️

For me, is such a massive part of my role as a ☀️

So..

To make sure I’m helping as many people as I can, I’ve created a 6 week Financial Wellbeing Programme for both businesses and individuals 🥳

Interested? Find out more at the website 🌎🔗 https://www.saltandlightfs.co.uk/about/our-financial-wellbeing-programme 🔗🌎

https://lnkd.in/e-VT3BdB

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28/06/2023

Great day today talking all things WELLBEING ☀️🍀 with Adam Dave’s, Samantha Cutler and Tom Lane 😎 for the workshop!

Fantastic to see how Financial Well-being is being explored in the workplace 🥳

Just to explain, financial wellbeing includes:

✅ Financial security
✅ Financial stability
✅ Financial education
✅ Financial independence
✅ Financial satisfaction

✅✅ All of this can be looked at within the wider Financial Planning conversation! Both with businesses and individuals 🚀

Achieving financial wellbeing requires a combination of financial knowledge, effective money management, goal setting, and maintaining a healthy mindset towards money 💰

It is a lifelong journey that involves continuous learning, adaptability, and making smart financial decisions based on one's circumstances and goals 🙌🏼

What is your business waiting for?! 🤷🏽‍♂️ implement Financial Wellbeing policy now! 🚀

https://linktr.ee/saltandlightfs

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27/06/2023

Can you relate to ED SHEERAN? 🤔🤷🏽‍♂️ in his song ‘Toughest’ 🎵

The song starts like this….

🎶🎵

I don't know what to think
The word cut through the day
The doctor said it's cancer
And a baby is on the way
Life changes in a blink
Decisions to be made
They say radio's the answer
And that both lives can be saved

Points for timing, it could not get worse
What the hell are we going to do?
But you're the type to defeat the hardest obstacles
Put in front of you

The lyric ‘what the hell are we going to do?’ 😩

I’m sure Ed Sheeran had access to the best medical care that money could buy 💰

But…

Doesn’t it show that bad things can happen to anyone? Regardless of age? 🤷🏽‍♂️

I doubt he thought his wife was going to fall ill when she was pregnant with their second child 😔

The last thing you want to worry about when you’re going through heartache is money 🙁

So, whether you’re a business or an individual….

✅ Protect your most precious people ❤️

🔗 www.saltandlightfs.co.uk > ADVICE & SERVICES > PROTECTION PLANNING 🔗

P.S - Listen to the album! In my opinion, it’s his best ever! 🎵

https://linktr.ee/saltandlightfs

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26/06/2023

Long Term Care FAQs ❓Finding and Funding Care ⚠️

Find the article at 🔗 www.saltandlightfs.co.uk > NEWS INSIGHTS 🔗 and we’ll explain the ways we can help to support you if you’re caring for an elderly person 🙏🏼

You may be a sole carer but you’re not alone!

REACH OUT! 🙏🏼 – because help is available ☺️

Across the UK today 5.7 million people are carers, supporting a loved one who is older, disabled or seriously ill 😧

Looking after someone can be rewarding, but it can make life very challenging, both emotionally and financially 😔

➡️ Families often focus on how their aged relative will meet care costs, but those looking after loved ones should have a financial plan of their own as well

➡️Carers need support that meets their emotional and financial needs, such as time away, help claiming benefits or keeping retirement plans on track

➡️ An adviser can help signpost families towards the right care for their loved ones

The numbers of people caring informally for aged relatives is likely to continue rising as the older generation live for longer ⬆️

The ranks of 'sandwich carers', who look after both their children and an elderly parent, are expected to swell too, as the average age when Britons become parents for the first time is increasing ↗️

❓Do you have to sell your house to pay for care?

❓Or does the government pay for care?

But carers themselves often experience significant financial stress too 🤷🏽‍♂️

Often, they reduce their working hours or must leave their jobs entirely as they struggle with competing demands from work and family, which has huge financial implications.

https://linktr.ee/saltandlightfs

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Address

Lombard Street

Opening Hours

Monday	09:00 - 17:00
Tuesday	09:00 - 17:00
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 17:00

Telephone

+447771310791

Website

http://www.saltandlightfs.co.uk/, https://linktr.ee/saltandlightfs, https://jacob-financialwellbeing.scoreapp.com/

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