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July 2026 Newsletter


Welcome to our July 2026 Newsletter. In this edition we look at how an Independent Financial Advisor can help you navigate pensions, ISAs and Life Insurance. Call our Advisor on 0161 702 0301 to make an appointment. Are you stuck for something to do over the summer holidays with the kids? have a look at this inflatable water park in Bolton!


Product of the month

Life insurance is one of the pillars of personal finance, deserving of consideration by every household. I’d even go so far as to say it’s vital for most. Yet, despite its nearly universal applicability, there remains a great deal of confusion, and even skepticism, regarding life insurance.

Perhaps this is due to life insurance’s complexity, the posture of those who sell it or merely our preference for avoiding the topic of our own demise. But armed with the proper information, you can simplify the decision-making process and arrive at the right choice for you and your family.

 

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Why do I need an IFA?

 

Using an independent financial adviser (IFA) can offer several advantages, particularly if you want advice that's tailored to your situation rather than focused on a limited range of products.

Some of the main benefits include:

  • Access to a wider range of products. An independent adviser can recommend suitable products from across the market, rather than being restricted to one provider or a panel of providers. This can increase the likelihood of finding an option that fits your needs.
  • Personalised financial planning. An IFA will typically assess your income, spending, assets, debts, goals, and attitude to risk before making recommendations. This can help create a financial plan that aligns with objectives such as retirement, investing, buying a home, or leaving an inheritance.
  • Objective advice. Because independent advisers aren't tied to a particular investment company or insurer, they're expected to recommend what's suitable for you rather than promoting a specific provider's products.
  • Expert knowledge. Financial products and tax rules can be complex and change over time. An experienced adviser can help explain your options and identify opportunities or risks you might otherwise miss.
  • Tax efficiency. An adviser may help you make better use of tax allowances and wrappers, such as pensions and investment accounts, in line with current tax rules.
  • Investment management. If you're investing, an adviser can help:
    • Build a diversified portfolio.
    • Match investments to your risk tolerance.
    • Review and rebalance your investments over time.
    • Help you stay focused during market volatility.
  • Retirement planning. They can estimate how much you may need in retirement, recommend pension strategies, and help you decide how to draw income in retirement.
  • Protection planning. An adviser can assess whether you need life insurance, income protection, or critical illness cover, and recommend appropriate policies.
  • Ongoing reviews. Many IFAs offer regular reviews to adjust your financial plan as your circumstances, goals, or legislation change.
  • Peace of mind. Knowing that a qualified professional has reviewed your finances can give you greater confidence in your decisions.

Potential downsides

It's also worth considering the trade-offs:

  • Cost. Advisers typically charge a fixed fee, an hourly rate, a percentage of assets under management, or a combination of these. It's important to understand the fees before proceeding.
  • Not everyone needs one. If your finances are straightforward—for example, you're contributing to a workplace pension and using simple savings accounts—you may be comfortable managing things yourself.

When an IFA is particularly valuable

You may benefit most from independent advice if you:

  • Have a significant amount to invest.
  • Are approaching retirement.
  • Have received an inheritance or other lump sum.
  • Own a business.
  • Have complex tax or estate planning needs.
  • Want a long-term financial plan rather than just product recommendations.

In the UK, it's generally a good idea to check that any adviser is authorised by the Financial Conduct Authority and to understand whether they are independent or restricted before taking advice.



The beauty spot on the edge of Greater Manchester with a free castle, zip wires and a waterpark

Just over the border in Lancashire is an area of countryside where you’ll find reservoirs, mysterious ruins and views for miles. A popular spot just outside of Bolton, Rivington has been a destination for daytrippers for decades.

In fact the area used to be referred to as Lancashire’s ‘little Lake District’ thanks to a series of reservoirs constructed in the Victorian era. But that’s not the only feature which makes the area special.

On the hillside of Rivington Pike you’ll find Rivington Terraced Gardens, a country park covering an area of around 45 acres. It’s made up of ruined structures, trails and ponds and feels like a formal garden that’s been reclaimed by nature.

 

In some respects, they are. The gardens were created by the soap magnate Lord Leverhulme, the founder of Lever Brothers (now Unilever), with the help of landscape gardener Thomas Mawson. Development started from 1905, continuing through to 1925.

 

Lord Leverhulme even had a bungalow built at the site to serve a holiday home, although the original bungalow was burned down by Suffragette Edith Rigby in 1913 and a second one was rebuilt. But after Lever’s death in 1925 the gardens were sold and left unfinished. They were abandoned following the Second World War while the houses on the site were demolished.

The land is now owned by United Utilities and a volunteer-run conservation and repair project is underway, led by the Rivington Heritage Trust. Today can visit the gardens for free and explore all the different features, including the majestic Pigeon Tower, which was built between 1905 and 1909 as a present from Lever to his wife.

It’s the perfect place to explore during the summer months and if you climb up the top of Rivington Pike you’ll be rewarded with incredible views for miles around. It’s not the only feature to have been created by Lord Leverhulme.

 

Hidden in the woods on the banks of Lower Rivington Reservoir is Liverpool Castle, made up of half-built towers, ruined walls and steps which lead to nowhere. While it looks as if it has stood there for centuries, the castle is in fact a folly and is replica of castle which stood in Liverpool from the early 1200s to the 1700s. Like the gardens it’s completely free to visit.

Head further north and you’ll come across Go Ape Rivington, where adventure-seeking kids and adults can take on an aerial adventure through the treetops with rope bridges, obstacles and zip wires. The treetop challenge has a minimum age of 10 and a minimum height of 1.4m. Children aged 10 to 15 must be accompanied by an adult, with a ratio of one adult to two children. Beside the centre is The Great House Barn, a tearoom serving up light bites and refreshments, ideal for refuelling after your adventure.

 

This year another attraction is coming to Rivington. On the other side of the water is the Anderton Centre, which offers activities like kayaking, sailing and stand up paddle boarding. This summer it’s launching a giant inflatable obstacle course on the water, North West Aqua Park.

Opening on Monday, August 3, it offers a fun but challenging experience on the water with giant inflatable obstacles, slides, climbing walls and more. A fully qualified lifeguard team will be supervising the course for the whole time. The minimum age for the course is six with a minimum height of 1.1m.

 

Children aged six to 11 must be accompanied by an adult on the Aqua Park, at a ratio of one adult to two children. Children aged 12 plus will need to be accompanied by an adult if they are not confident in open water or in large groups of people.

If you'd rather stay on dry land, there’s dozens of walking trails to follow in the area for a more laid-back experience.

 

 
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