BNI Presentation for Emerald Finance

MATTS TOP MONEY TIPS

Matt’s Top Ten Money Tips 1. Make sure your mortgage is on repayment to save £££’s in interest

Matt’s Top Ten Money Tips 2. Keep the mortgage term as short as possible to save £1,000s • Utilise offset and flexible mortgages • Get the right product for your specific and family needs • Would you give up a coffee or pint a week to take a year off your mortgage?

• Make your money work for you

Matt’s Top Ten Money Tips 3. Overpay your mortgage ad hoc and as affordable

Matt’s Top Ten Money Tips 4. Make sure you pay off any debts you have first of all, and if you have debts pay as little as possible!

Matt’s Top Ten Money Tips 5. Put your life insurance into Trust to protect your family properly • Virtually instant payout on death • No Inheritance Tax levied • Paid to the right people • People you choose look after your kids money until of age

Matt’s Top Ten Money Tips 6. Protect those you love when you are gone – family income cover • Supplements missing income • Ensures family maintain lifestyle • Protects children if you aren’t around • Provides funds for guardians if needed • Leaves an ongoing legacy

Matt’s Top Ten Money Tips 7. Get a Will in place (Richard!)

This Not This

Matt’s Top Ten Money Tips 8. Start to save a rainy day or emergency fund – 3-6 months income (Andy ISA)

Matt’s Top Ten Money Tips 9. Utilize equity release in retirement • Help family • Gift an early inheritance • Avoid inheritance tax • Supplement lifestyle • Carry out home improvements • Get your life’s savings back!

Matt’s Top Ten Money Tips 10. Take advice & make a PLAN • Start today, maximize the compound effect of your money • Diversify into buy to let, mixed investments to spread risk • Give yourself the choice to retire early, work less and retire well • Take action or remain the same

Important Regulatory Information • Please note that the information in this presentation does not constitute advice. An appointment should be made with your financial adviser to review any areas of interest.

• Your home may be repossessed if you do not maintain payments on your mortgage • Not all products in this presentation are regulated by the Financial Conduct Authority • Emerald Finance are a trading name of Fairstone Financial Management Ltd who are regulated and authorised by the Financial Conduct Authority FRN: 475973

MATT SUTTON