The Platt Partnership Ltd

🌟 5 simple steps to boost staff wellbeing and gain a competitive edge 🌟  With research indicating that January is one of the most popular months for job-hunting, why not take the time at the start of this new year to invest in your current employee’s wellbeing to boost both productivity and loyalty. Here’s how to build a workplace where people thrive:  1️⃣ Find out what matters to your team: whether it’s flexible hours, mental health support, or financial guidance, ask your staff what they need most.🤝  2️⃣ Empower your managers: equip them with tools to listen, empathise, and accommodate personal challenges, such as caregiving or stress. A little flexibility can go a long way. 💼  3️⃣ Focus on financial wellbeing: with rising living costs, money worries are a top concern for many employees. Offering access to financial advice can empower your team to manage debt, plan for retirement, and reduce stress. 📈  4️⃣ Make wellbeing part of your culture: wellbeing shouldn’t be a tick-box exercise but embedded into your workplace culture with ongoing initiatives that promote inclusivity, respect, and support. 🌟 5️⃣ Stay ahead of the curve: with absenteeism at a 10-year high, neglecting staff wellbeing can cost your business dearly. Small steps, like addressing burnout and stress, can prevent costly disruptions later. 📉  Learn more. 👉https://shorturl.at/VyFlZ #StaffWellbeing #EmployeeEngagement #FinancialWellbeing #Productivity #WorkplaceCulture #BusinessSuccess

🌍 Political shifts + market impacts in 2025 2024 was a year of change, with record numbers voting worldwide and major incumbents ousted. From the UK’s historic Conservative loss to a Republican sweep in the US, new leadership is reshaping global markets. 💡  💼 Inflation + growth outlook: Inflation and interest rates are expected to remain high. The UK’s Labour government boosts spending, while potential US tariffs under President-elect Trump could ripple globally. 📉 Consumer sentiment:  core inflation stays above target, and cautious spending prevails. However, easing credit conditions suggest no immediate recession risk and offer short-term optimism. 📊 Volatility = opportunities: 2025 may bring more market swings, but volatility creates chances to buy undervalued assets. While US equities look expensive, smaller companies are increasingly attractive. 🚀Key takeaways: - US markets dominate the MSCI World Index but carry concentration risks.   - A single AI giant drove 60% of early 2024 US market gains.  - Stocks in smaller companies and global markets may offer better value.  Find out more. 👉https://shorturl.at/ip6Ci #GlobalMarkets #Investing2025 #Inflation #MarketTrends

As 2024 draws to a close, have you had a chance to review your finances this festive season? 🤔 ❄️ Starting the new year with a strong financial standing is a goal for many of us and, with energy bills and council tax expected to rise in 2025, receiving tailored financial advice from our experts may be exactly what you need to achieve your aims. 🤝 Find out how we can help next year be your best yet. 👉https://shorturl.at/n0B02

⭐Retirement planning: your number 1️⃣ reason to seek financial advice ⭐ Did you know one in three people over 44 plan to seek advice on retirement within the next six months? Yet, many Millennials and Gen Zs delay this crucial step, risking significant losses to their future pension pots.  💡 Why start early? a delay of just five years in pension contributions could cost you £67,000 in retirement savings. Waiting until age 45? that could mean £169,000 less in your fund.  📈 While Gen Z and Millennials focus on budgeting, retirement planning takes centre stage after age 44. But waiting until 55—currently the "peak age" for retirement advice—might be too late to achieve your goals.  Financial advice can help you navigate the complexities of pensions and secure a stress-free post-work life. Discover why early advice matters and how it could transform your retirement. 💼 Read more. 👉 https://shorturl.at/022U4 #RetirementPlanning #FinancialAdvice #SmartInvesting #Pensions #FutureReady

🤔 Are you falling for the 60% tax trap? 🤔   If you’re earning between £100,000 and £125,140, you might unknowingly pay an effective tax rate of 60% due to the tapering of your personal allowance. This stealth tax isn’t official, but it’s very real—and it could cost you more than you’ve budgeted for.💰 For every £2 earned over £100,000, your tax-free personal allowance reduces by £1. Combine this with income tax and National Insurance, and the result is a whopping 60% tax hit. If bonuses or pay raises push you into this zone, the impact can sting.  📉   How can you avoid it? One smart solution is to top up your pension before the tax year-end. Pension contributions reduce your taxable income, pulling you out of the 60% zone while boosting your retirement fund. 📈 💡 Quick tip: if your income edges into higher tax bands—or affects benefits like Child Benefit—pension contributions can help you stay in control. Every pound saved counts. Don’t do it alone! A financial adviser can help you navigate the UK’s complex tax system and spot hidden traps before they bite.  Find out more. 👉 https://shorturl.at/m8Bx9 #TaxPlanning #60PercentTaxTrap #FinancialAdvice #UKTaxTips 

🚀 5 tax-saving tips for 2025 🚀  Take control of your finances with these smart money moves to save tax and boost confidence this year:  1️⃣ Max out your allowances 💡 Use all tax allowances—like carrying forward 3️⃣ years of pension contributions or gifting up to £3,000 tax-free annually.  2️⃣ Review your assets  🏦 Check savings, ISAs, pensions, and property values. Know your full worth to spot opportunities for growth.  3️⃣ Cut unnecessary costs 💸 Cancel unused subscriptions and redirect savings into tax-efficient ISAs or pensions.  4️⃣ Automate savings 📆 Set up regular contributions to your savings or investments. Small, steady amounts build big wealth over time.  5️⃣ Work with an adviser  💬 Regular reviews keep you on track. 92% of people who get financial advice report improved mental and financial wellbeing. 💡Start 2025 with smart habits to build your financial future with confidence. Learn more. 👉 https://shorturl.at/biQcx   #TaxTips #FinancialPlanning #SmartMoneyMoves #2025Goals 

🌟 Why we need a new generation of financial advisers 🌟  Younger generations are increasingly seeking financial advice for milestones like buying a home or managing budgets. In fact, 31% of Gen Z have already turned to advisers, more than any other age group.  These generations face several financial challenges including delayed home-ownership, greater responsibility for retirement savings, and later-life inheritances. Yet, despite the growing need, only 18% of Gen Z feel advice is relevant to them. Misconceptions and accessibility barriers are holding many back from the support they need.  By fostering a new wave of diverse advisers and evolving to meet people where they are—on digital platforms, with relatable experiences, and relevant guidance—the financial advice sector can become more accessible and better tailored to the financial pressures and goals of younger clients. Read more. ➡️ https://shorturl.at/4Y9WU #FinancialAdvice #GenZFinance #MoneyMatters #WealthPlanning #FutureReady

🌟 Top 5 tips for starting retirement savings at 60 🌟  It’s never too late to take control of your financial future! Here are five essential tips to help you make the most of your retirement planning: 1️⃣ Understand your options Explore all savings vehicles: pensions, ISAs, property, and even potential income from hobbies or rentals. Having diverse income streams gives you more control and options later.  2️⃣ Leverage tax benefits Pensions are incredibly tax-efficient, offering government tax relief on contributions. Even starting at 60, you can take advantage of these benefits and potentially bridge income gaps before your State Pension kicks in. 3️⃣ Maximise employer contributions    If you’re still working, don’t miss out on employer matching contributions to your pension. It’s essentially free money that can significantly boost your retirement savings.  4️⃣  Be mindful of charges Starting later means charges on pension products can have a bigger impact. A financial adviser can guide you to the most cost-effective solutions tailored to your timeline and goals.  5️⃣  Plan for a comfortable lifestyle How much you need depends on your retirement dreams. From the basics (£14,400/year) to a comfortable lifestyle with travel (£43,100/year), building a solid plan ensures you’re ready for the retirement you deserve. 💡 Bonus tip: seek professional advice. A financial adviser can help you create a plan that balances flexibility and security, ensuring your savings work for you.  Find out more. ➡️ https://shorturl.at/EjRXi #RetirementPlanning #FinancialFreedom #PensionSavings #FinancialAdvice

🌟 Want a competitive edge? Prioritise staff wellbeing. 🌟 The workplace is evolving, and so are the challenges facing employees. With sickness absences at a 10-year high and burnout on the rise, investing in staff wellbeing is no longer optional—it’s essential. Well-supported employees are happier, more productive, and less likely to leave. From boosting workplace culture to enhancing talent retention, wellbeing strategies directly impact your bottom line. 📈  However, wellbeing initiatives often fall short because they’re siloed. True impact comes when these efforts are embedded into a company’s culture of inclusivity and respect. 🤝  So, what can you do? Start by listening to what your employees need. Flexible working, mental health support, or financial advice—every team is different.  Empower managers to lead with empathy, and you’ll build a workplace where people thrive. 💼 💡 Pro tip: offering access to financial advice is a win-win for staff and business. It supports financial wellbeing, which has become even more critical during the cost-of-living crisis. 💰 Ready to unlock the benefits of employee wellbeing? Click here to read more. 👉 https://shorturl.at/tHcai #EmployeeWellbeing #WorkplaceCulture #StaffRetention #FinancialWellbeing #CostOfLivingCrisis 

Are you planning to use the downtime during Christmas to review what the #AutumnBudget means for you? With 2025 on the horizon, it can be useful to take stock and reflect on how this year’s changes will impact your life going forward. Whether you are a business owner, planning for retirement, or simply wish to get a better handle on your finances, speaking to one of our trusted financial advisors can help you achieve your goals. Click to learn more. 👉 https://lnkd.in/dweUJSVx #UKBudget #FinancialPlanning #TaxPlanning #SmartInvesting