Northstar Marketing

09/06/2026

Financially protect what matters most in your life. Don't leave it too late - prices will increase AND insurers may reject you if you have a pre-existing condition.

𝐋𝐢𝐟𝐞 𝐂𝐨𝐯𝐞𝐫 𝐌𝐨𝐫𝐞 𝐀𝐟𝐟𝐨𝐫𝐝𝐚𝐛𝐥𝐞 𝐟𝐨𝐫 𝐘𝐨𝐮𝐧𝐠𝐞𝐫 𝐀𝐝𝐮𝐥𝐭𝐬

Recent research suggests that younger adults are continuing to benefit from lower life insurance costs.

In 2025, the average monthly premium for life insurance among 18- to 24-year-olds was just £12, compared with £48 per month for those aged over 55. Over the past five years, premiums for younger adults have fallen by 5%, while costs for the over-55 age group have increased by 38%.

The study also found that younger adults are increasingly choosing to enhance their protection by adding critical illness cover alongside their life insurance. Since 2020, 11% have opted for this additional cover, compared with just 2% of those aged over 55.

Whatever stage of life you're at, we can help you find life cover and protection that meets your needs and budget.

As with all insurance policies, terms, conditions and exclusions will apply.

05/05/2026

We highly recommend CJ Stevenson Jewellers!

Sensational craftsmanship, professional service and reliable, every time.

From bespoke pieces to expert repairs, the attention to detail is second to none - and it really shows in the finished result.

If you’re looking for quality you can trust and a service that delivers every time, speak to Chris.

11/03/2026

10/03/2026

The advice network has taken on six new advice firms, with the advisers coming from St James’s Place, Citywire New Model Adviser can reveal.

09/03/2026

“Currently waiting on the keys to my new home…” 🏡

There’s genuinely nothing better than hearing words like this. 😊

Massive congratulations to our amazing first-time buyers, and thank you for trusting Paula and Every Mortgage Matters to guide you through it.

Buying your first home can feel overwhelming. That’s why we're all about clear advice, honest support, and making sure you feel confident every step of the way.

If you’re thinking about your first move, let’s have a chat. ✅

01698 756286
[email protected]
everymortgagematters.com

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage.

06/03/2026

💷 𝐖𝐡𝐞𝐧 𝐖𝐚𝐬 𝐓𝐡𝐞 𝐋𝐚𝐬𝐭 𝐓𝐢𝐦𝐞 𝐘𝐨𝐮 𝐐𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐞𝐝 𝐘𝐨𝐮𝐫 𝐅𝐞𝐞𝐬?

Most people review their energy bills.
They compare mortgage rates.
They switch broadband providers.

But financial advice fees?
Those often run quietly in the background for years.

Here’s the reality: charges across adviser firms can vary significantly.

Two clients with similar portfolios can be paying very different amounts — and not always receiving different levels of service.
Financial planning should feel personal.

You should trust your adviser. You should feel comfortable picking up the phone.

But you should also know:

• What work is being done for you each year
• How often your plan is being reviewed
• Whether tax opportunities are being proactively discussed
• If your investments are being actively monitored

If your ongoing fee is 1%… 1.5%… or more — what does that actually include?

Higher fees aren’t automatically wrong.
But they should reflect real planning, real strategy and real support. Most importantly, are you on track to achieve your financial goals?

A second opinion isn’t about moving for the sake of it. It’s about understanding whether the service and the cost are aligned.

If you’d like us to sense-check your current setup, we’re happy to provide a clear, honest review.

Because peace of mind isn’t just about performance — it’s about knowing you’re paying a fair price for proper advice.

The value of investments can go down as well as up and you may not get back as much as you put in.

Approver Quilter Financial Services Ltd March 2026

06/03/2026

We’re looking for enthusiastic people to join the Honeywagon Event, TV & Film team.
On set facilities, early starts, proper graft, good banter.

If you’re reliable, switched on and not scared of getting stuck in we want to hear from you.

DM us “APPRENTICE” and we’ll send the info. Driving licence required.

26/02/2026

💷 𝐀𝐝𝐯𝐢𝐜𝐞 𝐁𝐮𝐢𝐥𝐭 𝐀𝐫𝐨𝐮𝐧𝐝 𝐘𝐨𝐮 — 𝐀𝐧𝐝 𝐖𝐡𝐚𝐭 𝐈𝐭 𝐂𝐨𝐬𝐭𝐬

One of the most common questions we hear is: “What are the charges involved in financial advice?”

It’s a fair question — and one you absolutely should ask.

When you invest or arrange a pension, there are typically 𝙩𝙝𝙧𝙚𝙚 𝙩𝙮𝙥𝙚𝙨 𝙤𝙛 𝙘𝙤𝙨𝙩𝙨 involved:

1️⃣ 𝐀𝐝𝐯𝐢𝐬𝐞𝐫 𝐂𝐡𝐚𝐫𝐠𝐞

This is the fee paid for advice — but it starts long before any recommendation is made.
We begin by getting to know you properly. What matters to you? What are you working towards? What keeps you awake at night? What does financial security actually look like in your world?

Only once we understand your goals, priorities and concerns do we move on to:

• Research and tailored recommendations
• Building a financial plan around your life
• Ongoing reviews and adjustments as things change
• Being there when life throws the unexpected at you

The adviser charge can be a fixed fee, a percentage, or agreed upfront — but it should always be clear, transparent, and explained in plain English.

2️⃣ 𝐏𝐥𝐚𝐭𝐟𝐨𝐫𝐦 𝐅𝐞𝐞
If your money is held on an investment platform, there’s usually a charge for administration, online access, reporting and secure custody of your investments.

3️⃣ 𝐅𝐮𝐧𝐝 𝐂𝐡𝐚𝐫𝐠𝐞𝐬
These are the costs inside the investments themselves. Fund managers charge for managing the portfolio — whether that’s actively selecting investments or tracking an index.

🔎 The important thing?

You should always know:

• What you’re paying
• Who you’re paying
• What value you’re receiving in return

Good advice isn’t about hiding costs — it’s about being open, transparent, and making sure you understand how everything works.

If you’ve ever looked at your statement and thought, “𝐼’𝑚 𝑛𝑜𝑡 𝑎𝑐𝑡𝑢𝑎𝑙𝑙𝑦 𝑠𝑢𝑟𝑒 𝑤ℎ𝑎𝑡 𝑡ℎ𝑒𝑠𝑒 𝑐ℎ𝑎𝑟𝑔𝑒𝑠 𝑎𝑟𝑒 𝑓𝑜𝑟…” — it might be time for a conversation.

Clear advice. Clear fees. No surprises. Get in touch for a chat.

The value of the investment can go down as well as up and you may not get back as much as you put in.

Approver Quilter Financial Services Ltd February 2026

17/02/2026

17/02/2026

Speak to an experienced mortgage broker today from Mortgage Advice Scotland without paying a penny in fees, it's 100% free mortgage advice.