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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

Hertfordshire

AL4 0LA

 

Tel:  01727 223 251

Fax: 01727 853 811

E:     guy.swinnerton@omni-financial.co.uk

 

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. 

By clicking on this link you are now departing from the regulated site of Omni Financial Ltd.  Omni Financial Ltd cannot be responsible for any content created and published solely by a third party outside our regulated site. 

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If you require information about the Financial Ombudsman Service you can contact them directly:

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www.financial-ombudsman.org.uk

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 https://qropdirect.com/QROPS_FAQ.php - Can I transfer a UK state pension?). This raises questions about t...

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...

August 23, 2015

In the past three years there have been dramatic changes to the way people save for their pensions in the UK and the role that employers have in helping them to build up a pension pot.

 

The process of setting up new workplace pension schemes, called auto enrolment, has been ongoing since 2012 and employers of all sizes, from major corporations down to individuals with nannies or carers have to comply.

 

This blog is a quick guide...

August 17, 2015

With interest rates offering little to get savers excited, now may be a good time to look at other options. 

 

If you are a first time investor, you may be feeling nervous about taking the plunge.  That's fine; there are a range of low risk investments to help you take your first steps into investing.

 

Here are some tips to get you started.

 

 

You'll Still Need Some Cash (So Make It Work As Hard As It Can)

 

Having cash to hand...

August 10, 2015

After a lifetime of saving and prudence, you may well have accumulated a great deal of personal financial wealth that will outlast you.

 

However, without a will to state who will benefit from your wealth, much of the hard work you have put in over the years might be lost.

 

Dying without a will (being intestate), can present your loved ones with all sorts of difficulties when it comes to dealing with your estate and it presents t...

August 3, 2015

 

Paying tax is an onerous duty and one we all wish we didn’t have to do.

 

Judging by recent newspaper headlines, it seems that if you are rich and famous tax avoidance is almost compulsory.

 

Whilst actual tax evasion is illegal (ie stashing it under your mattress), tax avoidance is not, it is simply the practice of being savvy with your money to limit the amount it can be taxed within the law.

This quick guide will talk you throu...

July 27, 2015

“Breaking up is never easy” but sometimes it's the best you can do.  The Abba hit “Knowing Me, Knowing You” was released in 1976.  A lot has changed since then, but breaking up still remains a painful and potentially expensive matter. 

 

The Basics of Divorce 

There are three steps to getting a divorce.  

Step one is to file a divorce petition.  This currently carries a fee of £410.  

 

If you...

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Auto Enrolment - Reaping the benefits of workplace pension savings

January 11, 2016

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