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January Insight - A View From The Summit

A warm welcome to our first View from the Summit in 2021.


We hope you all had an enjoyable Christmas albeit different from what we had envisaged at the start of the year and possibly different from the one you planned at the beginning of December following further changes in the rules.


While 2020 has been difficult for all of us, it does reassure us that planning works, no one can say with any certainty what the next year will bring. Most people will have a good idea of what is likely to happen, but if you include a contingency in your plans, you will always be able to deal with the unexpected. In light of this, we encourage clients to aim to hold at least six months of expenditure in cash so they can meet any emergency.


Our blog this month looks at cash and answers the eight most common questions and why it has an important role to play in financial planning, but holding excessive amounts of cash may not be in your best interest.


We hope you enjoy reading our blog and as always if you have any friends or family that would like to speak to us about their finances, please let us know.


Finally, we would like to congratulate our Christmas Quiz winners, John Turner and Alison Harding; they have asked for donations to be made to Acorns Children's Hospice, St Richard's Hospice and Bristol North West Foodbank.


We wish you all a happy new year and let's hope 2021 allows us to get back to some normality and allow us to do the things we clearly miss so much.

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We are a Chartered firm of financial planners. This means we have satisfied rigorous criteria relating to professional qualifications and ethical good practice. It means you can be confident that you are dealing with one of the UK’s leading firms that is wholly committed to providing you with the best possible advice, service and support. Octagon Consultancy Ltd is authorised and regulated directly by the Financial Conduct Authority (FCA) 563059

Octagon Consultancy Ltd (FRN 563059) is authorised and regulated by the Financial Conduct Authority. Registered Address: Woodlands Grange, Woodlands Lane, Bradley Stoke, Bristol BS32 4JY. Registered in England No. 07787430.