Fowler Financial Planning

A huge congratulations to Robin on receiving both the Coaches' Award and Players' Player of the Year for the First Team at Topsham Rugby Club this season.

Winning both awards is a fantastic achievement and reflects the contribution he has made both on and off the pitch throughout the season.

As both a valued member of the Fowler Financial Planning team and a player we have proudly sponsored this season, we couldn't be happier to see him receive these awards.

Well deserved, Robin. 🏆🏆

Topsham RFC

Behind every piece of financial advice is a significant amount of sensitive personal and financial information, which is why strong cybersecurity measures are essential.

According to the UK Government's Cyber Security Breaches Survey 2024, UK businesses experienced an estimated 7.78 million cyber crimes in the previous 12 months. With threats continuing to evolve, protecting client data requires ongoing attention and robust security practices.

Our Cyber Essentials Plus certification reflects the measures we have in place to help reduce exposure to common cyber threats and maintain high cybersecurity standards across the business.

Protecting client information is not a one off exercise. It requires continuous review, accountability, and a commitment to maintaining strong safeguards at every level.

Source: UK Government Cyber Security Breaches Survey 2024

Financial resilience has fallen for many people in recent years, but having a plan in place can still make a big difference.

From rising living costs to economic uncertainty, feeling financially confident is becoming more challenging for households across the UK.

The latest Financial Health Report highlights growing financial uncertainty, but also shows how having a clear plan in place can help people feel more confident about the future 💡

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/financial-health-report-financial-resilience-falls-but-a-plan-can-boost-confidence.html

A huge congratulations to Scott on passing his R06 examination.

As the final exam in the CII Level 4 Diploma in Regulated Financial Planning, this achievement marks the successful completion of the diploma and reflects a tremendous amount of hard work and commitment.

We are incredibly proud of what Scott has achieved and look forward to seeing him continue to develop his knowledge and expertise.

Well done, Scott.

We’re proud to continue supporting local Devon-based Para-athlete Paddy Pepper.

Competing as an F57 seated thrower, Paddy has shown incredible dedication and commitment to his sport.

In our first year sponsoring Paddy, we helped fund a custom throwing chair and Strength and Conditioning coach. Over the past two years, we’ve continued supporting his progress through ongoing coaching.

We’re proud to play a small part in Paddy’s journey and look forward to supporting him again this year.

Fixed rate or tracker. Which one is right for you? 🏡
With interest rates changing and uncertainty in the market, choosing the right mortgage can feel more complicated than ever.

This article explores the differences between fixed and tracker mortgages, and what to consider when deciding which option suits your circumstances 💭

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/fixed-rate-or-tracker-choosing-the-right-mortgage-in-uncertain-times.html

The Bank of England has held the base rate again, but the balancing act is getting tougher.

With inflation, growth, and borrowing costs all in play, decisions around interest rates are becoming more complex.

This article looks at what the latest base rate decision could mean for mortgages, savings, and the wider economy 💡

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/bank-holds-base-rate-as-balancing-act-gets-tougher.html

Many parents and grandparents want to give children the best possible financial start in life.

Whether it is helping with university costs, a first home, or long term savings, starting early can make a big difference over time.

Starting early and staying consistent can help build a stronger financial future for the next generation.

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren.html

Our office will be closed on Monday 25th May for the Spring Bank Holiday.
We’ll be back on Tuesday 26th May.

Stagflation is back in the headlines. But what does it actually mean for you? 📉

It is a term used to describe a mix of rising prices and slow economic growth, something that can make everyday finances feel more uncertain.

You might notice it through higher living costs, slower wage growth, or more caution around spending and investing.

This article breaks down what stagflation means, why it matters, and what it could mean for your finances over time 💡

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/what-might-stagflation-mean-for-you.html