Dasa Medvecka, Chartered Financial Planner

Dasa Medvecka, Chartered Financial Planner

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Dasa Medvecka, Chartered Financial Planner, Financial planner, Rotherfield Crescent, Brighton and Hove.

Financial Advice for families, individuals and business:

Insurance - protecting your loved ones, your income, your business
Pensions - lost pensions, reviews, a new pension, tax mitigation
Investments - how to grow your money
Inheritance tax planning

27/01/2025

Focusing on your retirement plans this year? Compounding means the sooner you increase your pension contributions, the more of your returns can be reinvested.

To find out more, speak to me via my adviser profile [www.linkedin.com/in/dasa-medvecka]

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. November 2024.

22/01/2025

Here’s a great new year’s resolution: scrap unused subscriptions and invest the money instead. Looking for more tips to aim to maximise your money?

You can get in touch via my adviser profile: www.linkedin.com/in/dasa-medvecka

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

(Source: *https://www.citizensadvice.org.uk/wales/about-us/media-centre/press-releases/consumers-spend-688-million-on-unused-subscriptions-in-the-last-year)

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. November 2024.

14/01/2025

Only 20% of savers correctly identify the £20k ISA limit* - the amount you can save every year, tax efficiently. Let’s chat so you don’t miss out this year.
Just get in touch via my adviser profile [https://lnkd.in/e_q5qr6Y]
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and shares ISAs invest in corporate bonds, stocks and shares, and other assets that fluctuate in value.
For ISAs, investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
(Source: *https://lnkd.in/eKunY3Mu)
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. November 2024.
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Find an adviser | Quilter 08/01/2025

Are your savings set up to beat inflation? If your money’s been stuck in a low interest account, let’s see how we can get it working harder this year.

You can get in touch via my adviser profile:

https://www.quilter.com/financial-advice/find-an-adviser/?adviser=Dasa_Medvecka

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

(*Source: CACI’s Current Account Database (CSDB), Rest of Market Stock at Feb 2024)

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. November 2024.

Find an adviser | Quilter Use our tool to enter a location to find a financial adviser local to you.

03/01/2025

Start the New Year Right: Meet with a Financial Planner

The New Year is a time for fresh starts and setting goals—and your finances should be no exception. Whether you’re looking to save for a dream vacation, invest for the future, or simply get a better handle on your spending, sitting down with a financial planner is the perfect first step.

A financial planner can help you:

Understand Your Financial Position: Gain clarity about where you stand and identify opportunities for growth.

Set Clear Goals: Define what’s most important to you and create a roadmap to achieve it.

Plan for the Unexpected: Protect yourself and your family from financial uncertainties with tailored solutions.

Build Wealth and Security: Make smart, informed decisions that grow your wealth and secure your future.

The start of the year is the ideal time to take stock and make proactive choices. With expert guidance, you’ll enter the year feeling confident and empowered about your financial future.

Why wait? Make this the year you take charge of your finances. Schedule a meeting with a financial planner today and turn your resolutions into results.

18/12/2024
15/12/2024

Is Your Child Benefit at Risk Due to Earnings Over £60K? A Financial Planner Can Help You Retain It – It’s Simpler Than You Think.

07/07/2024

Are you relying on state pension only in retirement? You should think twice!

Although the state pension has increased at least as fast as inflation every year since 1975, 38% of people think that in the next 10 years it will not keep up with inflation. Pessimism is also widespread; a third of people do not think the state pension will exist in 30 years’ time.

It is important to note that the new state pension at its current level is just about enough by itself to keep most people out of income poverty (according to standard government metrics). However, there are some people – in particular, single households living in private rented accommodation – for whom the new state pension and means-tested benefits are not enough to keep them above the income poverty line. Take-up of means-tested benefits among retirees is also far from complete; the design of these benefits will be considered in a later report of the Pensions Review.

Even for households for whom the new state pension is enough to keep them above the income poverty line, it is not enough on its own for a comfortable retirement or to provide most people with a standard of living they have been used to in working life. Instead, for most people, the state pension is a basis for building upon with their own savings, rather than the whole of their pension provision.

The rise of the multi-retiree family and what it means for your finances 01/07/2024

The rise of the multi-retiree family and what it means for your finances The rise of the multi-retiree family and what it means for your finances

28/06/2024

Deciding whether to pay for private medical insurance depends on various factors including your personal circumstances, healthcare needs, financial situation, and the specifics of the healthcare system.

Some of the positives:

Shorter Waiting Times
Access to Private Hospitals
Choice of Providers
Additional Services
Comfort and Privacy
Coverage Abroad

Whether or not to pay for private medical insurance is a personal decision that requires weighing the benefits against the costs and considering your individual circumstances. It may be beneficial to consult with a financial advisor to get tailored advice based on your specific situation.

Fifth of Britons fear they’ll be working into their 70s, poll finds 17/06/2024

Can you afford to retire earlier than your state pension age? Speaking to an experienced financial planner regularly can help you achieve it.

Fifth of Britons fear they’ll be working into their 70s, poll finds Half of adults ‘cannot imagine’ ever ceasing work entirely, according to survey

How much pension should I have in my 20s, 30s, 40s, 50s and 60s? - Times Money Mentor 23/05/2024

It's common for people in their 30s to feel that they still have plenty of time to save for retirement. However, starting to save for retirement early is crucial for several reasons:

Compound Interest: The earlier you start saving, the more time your money has to grow through compound interest. This means your investments have more time to generate returns, and those returns can be reinvested to earn even more. Starting early can significantly increase the total amount you accumulate by retirement.

Achieving Financial Goals: The lifestyle you envision in retirement, such as traveling, hobbies, or simply maintaining your current standard of living, requires careful planning and substantial savings. Without starting early, you may find it challenging to amass the necessary funds to sustain your desired lifestyle.

Uncertainties and Risks: Life is full of uncertainties, including job changes, health issues, and economic fluctuations. Starting to save early can provide a financial cushion to manage these uncertainties and reduce the risk of falling short of your retirement goals.

Employer Contributions: If your employer offers a retirement savings plan with matching contributions, you should take full advantage of this benefit. Employer contributions can significantly boost your retirement savings, and missing out on them is like leaving free money on the table.

Inflation: Over time, inflation erodes the purchasing power of your money. By starting to save early, you give your investments more time to grow and outpace inflation, helping to ensure that your retirement savings maintain their value.

Peace of Mind: Knowing that you are actively working towards your retirement goals can provide peace of mind. Financial security in retirement is a significant concern for many, and early saving helps reduce stress and uncertainty about the future.

How much pension should I have in my 20s, 30s, 40s, 50s and 60s? - Times Money Mentor How much do you need in your pension? £23,000 income a year is needed for a moderate standard of living so here's what you should aim to save based on age

Why do we find it hard to save for our future self? 14/05/2024

Do you struggle to save for your future?

Why do we find it hard to save for our future self? Why do we find it hard to save for our future self?

Don’t leave your family an avoidable IHT bill 02/05/2024

Do you want to share your wealth with HMRC?

Don’t leave your family an avoidable IHT bill Don’t leave your family an avoidable IHT bill

30/04/2024

If you're a director of a limited company and you've been paying too much tax, there are several strategies you can consider to potentially reduce your tax liability. Here are some options:

Salary and Dividends:
Review your salary and dividend strategy. As a director, you can take a combination of salary and dividends from your limited company. Dividends are generally subject to lower tax rates compared to salary, as they are taxed at dividend tax rates rather than income tax rates. However, it's important to ensure that any salary you take is reasonable for the work you perform.

Pension Contributions:
Consider making pension contributions from your limited company. As mentioned earlier, pension contributions can be tax-efficient because they are usually deductible as a business expense, reducing your company's taxable profits, and may also attract personal tax relief for you as an individual.

Expenses and Allowable Deductions:
Make sure you're claiming all allowable business expenses and deductions to reduce your company's taxable profits. This includes expenses incurred wholly and exclusively for business purposes, such as office rent, utilities, travel costs, professional fees, and training expenses.

Capital Allowances:
Take advantage of capital allowances for eligible assets purchased by your company, such as equipment, machinery, and vehicles. Capital allowances allow you to deduct a portion of the cost of these assets from your company's taxable profits each year.

Tax Reliefs and Incentives:
Explore any available tax reliefs and incentives that your company may be eligible for, such as research and development (R&D) tax credits, capital gains tax reliefs for business assets, and enterprise investment scheme (EIS) or seed enterprise investment scheme (SEIS) investments.

Seek Professional Advice:
Consider seeking advice from a qualified accountant or tax advisor who can review your company's financial situation, identify potential tax-saving opportunities, and help you implement tax-efficient strategies tailored to your specific circumstances.

By implementing these strategies and ensuring compliance with relevant tax laws and regulations, you may be able to reduce your tax liability and optimize your tax position as a director of a limited company.

However, it's essential to seek professional advice to ensure that any tax planning strategies are suitable and appropriate for your individual circumstances

26/04/2024

Revolut? Wise? My bank?

People always ask what is the best way to transfer large amount of money internationally?

My vote is a CURRENCY BROKER! Talk to me to find out more.

Using currency brokers or specialist foreign exchange providers can offer several advantages compared to traditional banks when transferring funds in different currencies:

Better Exchange Rates:
Currency brokers often offer more competitive exchange rates compared to banks, which can result in lower costs for transferring funds.

Lower Fees:
Banks typically charge higher fees for international transfers, including wire transfer fees and currency conversion fees. Currency brokers may offer lower or no fees, helping you save money on each transfer.

Specialized Services:
Currency brokers specialize in foreign exchange transactions, so they may provide additional services such as forward contracts, limit orders, and rate alerts, allowing you to manage currency risk more effectively.

Faster Transfers:
Currency brokers often offer faster transfer times compared to banks, especially for international transactions. This can be particularly beneficial for time-sensitive payments.

Personalized Support:
Many currency brokers offer personalized support and guidance from experienced currency specialists, helping you navigate the complexities of international money transfers and currency markets.

Access to Multiple Currencies:
Currency brokers typically offer a wider range of currencies and currency pairs compared to banks, allowing you to transfer funds to more destinations worldwide.

Security and Reliability: Reputable currency brokers adhere to strict regulatory standards and employ advanced security measures to safeguard your funds and personal information during the transfer process.

Overall, using currency brokers can offer cost savings, convenience, and specialized services that may not be available through traditional banks, making them a preferred choice for many individuals and businesses conducting international transactions. However, it's essential to compare rates, fees, and services offered by different providers to ensure you select the best option for your specific needs.

17/04/2024

Personalizing retirement planning is crucial because everyone's financial situation, goals, and risk tolerance are unique.

A skilled financial planner can tailor a retirement income strategy based on various factors, including:

Current Financial Situation: Assessing your current assets, income, expenses, debts, and other financial obligations.

Retirement Goals: Understanding your desired lifestyle in retirement, including travel, hobbies, healthcare expenses, and any other specific goals you may have.

Risk Tolerance: Evaluating your willingness and ability to tolerate investment risk, which influences asset allocation and investment selection.

Time Horizon: Considering your expected retirement age and life expectancy to determine the appropriate investment time horizon and withdrawal strategies.

Tax Considerations: Optimizing tax-efficient strategies for retirement savings and withdrawals, including utilizing tax-advantaged retirement accounts and managing tax implications during retirement.

Inflation Protection: Planning for inflation by incorporating investments that have the potential to grow over time and maintain purchasing power.

Healthcare Costs: Anticipating healthcare expenses in retirement, including Medicare coverage, long-term care insurance, and other healthcare-related costs.

Legacy Planning: Addressing estate planning goals, including providing for beneficiaries and minimizing estate taxes.

By considering these factors and more, a financial planner can create a personalized retirement income plan that aligns with your unique circumstances and helps you achieve your desired retirement lifestyle. Regular reviews and adjustments may be necessary to adapt to changing circumstances and market conditions over time.

09/04/2024

Being a Chartered Financial Planner, I get asked a lot this question; Shall I save regularly or ad hoc? I am a firm believer in a theory of Pound-cost averaging.

Pound-cost averaging (PCA) is an investment strategy where an investor regularly invests a fixed amount of money into a particular investment over time, regardless of its price. This approach allows investors to buy more units of an investment when prices are low and fewer units when prices are high, potentially reducing the average cost per unit over time.

Here's how pound-cost averaging works:

Regular Investments: The investor commits to investing a fixed amount of money at regular intervals, such as monthly or quarterly.

Market Fluctuations: Since investments can go up and down in value, the investor will buy more units when prices are low and fewer units when prices are high.

Averaging Out: Over time, this strategy aims to average out the purchase price of the investment. It can smooth out the impact of market volatility and reduce the risk of making a large investment at the wrong time.

Pound-cost averaging can be particularly beneficial for long-term investors who want to reduce the impact of short-term market fluctuations on their investment returns. However, it's important to note that this strategy does not guarantee profits or protect against losses, and investors should still carefully consider their investment goals, risk tolerance, and time horizon before implementing PCA or any investment strategy.

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Rotherfield Crescent
Brighton And Hove