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Omni Financial Ltd is authorised by the Financial Conduct Authority.


Omni Financial Limited is Registered in England and Wales under reference 05501958. Registered Office: 1 Townsend Road, Harpenden, Hertfordshire. AL5 4BQ.


Trading Address: 


Omni Financial Ltd

Unit D2, The Courtyard

Alban Park

St Albans




Tel:  01727 223 251

Fax: 01727 853 811



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January 11, 2016

Automatic enrolment as you are aware commenced role out, in stages, across all employers from October 2012, starting with the larger employers.


This is now three years since the introduction of auto enrolment, and employees are really starting to reap the benefits of workplace pension savings. New research has revealed that employer contributions are crucial to boosting pension savings for over half (54%) of those enrolled in...

November 25, 2015


Give your children or grandchildren a financial present they can unwrap.


With Christmas just around the corner, making an investment for your children or grandchildren is a great way to give them a financial start in life, long after the festivities are over.  Even small amounts can really add up if you save regularly from a child’s birth, there are many ways to invest on behalf of a child.


Junior Individual Savings Account (...

November 24, 2015

Christmas comes but once a year and for all the fun it brings it can be a significant drain on the family finances.  With that in mind, it’s worth looking at opportunities to see where savings can be made.  While it may still be too early to put up the decorations, some of the best Christmas bargains require a bit of advance planning.


Food and Drink

Think about having a non-traditional Christmas.  Christmas dinne...

November 9, 2015

 If your dream retirement is somewhere with more sunshine and less rain than the UK, then it may be time to ask yourself “how will moving abroad affect my pension?”


The State Pension

You can claim your UK state pension if living abroad, but it will continue to be paid from the UK and in pounds sterling.  (see - Can I transfer a UK state pension?). This raises questions about t...

October 12, 2015


“How much do I need for my retirement” is arguably one of the most serious questions facing a working-age adult.  The answer ultimately depends on two questions.  When do you want to retire and what kind of retirement do you want to have? 


Planning Your Retirement 

If you want to retire at 55 and spend the rest of your life cruising the world on your private yacht, you're going to need a whole lot more mone...

October 5, 2015


Saving for a rainy day is what lets you buy an umbrella to keep you dry until the rain passes.  Alternatively you may be saving with a specific goal in mind, for example to buy a house.  Like many aspects of life, your saving needs and habits may change as time goes by. 


If you are on the younger side, you may be looking at paying for your wedding, putting together a deposit on a house or planning for the...

September 28, 2015


Your current home may well be the place where some of your happiest memories were created.  Realistically, however, downsizing may be an excellent way of financing many more.  Here is a quick guide to some key questions on the topic.



Why should I downsize my home?

Home may be where the heart is, but property has a financial value. There are various schemes which make it possible to release equity in property wh...

September 21, 2015

As the song goes “I got bills, I gotta pay, so I'm gon' work, work, work every day.”  At some point however, people may want or need to give up going to work every day.  Even younger people need to think about how they will pay their bills if they are unable to work for any reason.  


If you are intending to give up work permanently, it is absolutely crucial to plan ahead.  One option is to save into a...

September 13, 2015

If you reach state pension age on or after 6th April 2016 then you will come under the rules for the new state pension.  Here is a quick guide to what that means in practice.


Out with the old and in with the New State Pension – What exactly changes?


Under current rules the state pension is divided into two parts.  These are the basic state pension and the additional state pension.


The basic state pension is...

September 7, 2015


The UK has now experienced deflation for the first time since records began in 1996.  The Office for National Statistics believes that the last time the UK experienced deflation was in the 1960s.


This was so long ago that you may well be asking yourself “What exactly is deflation and what does deflation mean for our economy?”.


Inflation v Deflation - What's The Difference?


In very simple terms, inflation is when the over...

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Auto Enrolment - Reaping the benefits of workplace pension savings

January 11, 2016

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October 12, 2015

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