Posts by Samantha Howell
Land Rover Insurance in Stourbridge: Insuring Vehicles Over £75,000
Insurance Challenges for Stourbridge Land Rover Owners Stourbridge Land Rover owners know all too well how difficult insurance has been in recent years. Premiums for high-value models, particularly those worth over £75,000, have soared, with many drivers facing strict conditions, added costs for extra security, or in some cases, insurers unwilling to quote at all. …
Read MoreStop the Double Taxation of Pensions: Protect Pension Funds & Death Benefits before 2027
From April 2027, the Government is planning to introduce double taxation of pensions, by applying Inheritance Tax (IHT) as well as Income Tax on pension funds and death benefits. This change means that when someone dies, their beneficiaries could be forced to pay both taxes on the same savings. We believe this creates a disproportionate…
Read More2025 Car Insurance Renewals: Why Now Might Be the Perfect Time to Review Yours
If you’ve noticed some positive shifts in the cost of living lately, here’s another bit of good news: car insurance premiums are on the way down. After months of rising costs across the board, private car insurance is finally showing signs of easing. For drivers, this presents a valuable opportunity, not just to save money,…
Read MoreWhy Investing Is Better Than Just Saving: A £10,000 Example
Have you thought about investing? If you’ve ever asked yourself whether you should be doing more with your money than letting it sit in a savings account, you’re not alone, and you’re absolutely right to ask the question. While saving is an important first step in building financial security, it’s just that: a first step.…
Read More4 Ways Mortgage Advisers in Stourbridge Are Helping Locals Navigate 2025’s Property Market
The UK property market in 2025 is proving to be as dynamic as ever, with shifting interest rates, tighter affordability checks, and ongoing uncertainty around inflation and housing supply. For homebuyers, movers, and remortgages in Stourbridge, these changes can feel overwhelming. That’s where local mortgage advisers come in. At KGJ, we understand the nuances of…
Read More4 Reasons to Consider Private Medical Insurance
In a world where our health is our most valuable asset, waiting for treatment can cause unnecessary stress and delay. While the NHS offers an essential and admirable service, increasing pressures on the system mean that many are choosing to supplement their healthcare with private medical insurance (PMI), often called Health Insurance by clients. …
Read MoreA Smart Investment – Why Business Health Insurance Makes Sense
As a business owner, your team is your most valuable asset, and business health insurance is one of the smartest ways to protect that investment. When employees are healthy, engaged, and supported, your business thrives. Offering private medical insurance as an employee benefit isn’t just a perk—it’s a strategic decision. Why Consider Business Health Insurance…
Read More4 Mistakes to Avoid | Mortgage Advice from Stourbridge’s Trusted Advisers
Applying for a mortgage is one of the most significant financial decisions you’ll make in your lifetime , and expert mortgage advice can help you avoid costly mistakes. Whether you’re buying your first home or moving up the property ladder, the mortgage process can be complex and overwhelming. At KGJ, our team of experienced mortgage…
Read MoreRetirement Investment Planning in Stourbridge: Expert Advice for a Secure Future
Retirement investment planning is one of the most important financial tasks you’ll make in your lifetime, and if you’re based in Stourbridge, you have access to local expertise that can help guide you every step of the way. At KGJ Insurance and Financial Advisers, we’ve been helping individuals and families in the West Midlands secure…
Read MoreWhy Tuesdays Might Just Be the Market’s Secret Weapon – According to 7IM’s Stock Market Trends
At KGJ Insurance and Financial Advisers, we regularly review stock market trends from some of the UK’s most trusted investment partners to help our clients stay informed and confident—especially during turbulent times. One recent analysis from 7IM (Seven Investment Management) really stood out. Let’s go back to 2008. The global financial crisis was raging. The…
Read MoreCar Accident Guide: 5 Things to Do After a Collision
We’ve developed this car accident guide as no one ever expects to be involved in a car accident, yet it’s something that can happen to even the most careful drivers. In the moments after a collision, emotions can run high and confusion often takes over. That’s why having a plan, and knowing exactly what steps…
Read MoreThe Complete Guide to Inheritance Tax Planning in Stourbridge
Inheritance tax (IHT) can significantly impact the wealth passed on to your loved ones. With rising property prices in areas like Stourbridge, more families are finding themselves subject to this tax, often without even realising it. Many homeowners in the area are now asset-rich due to increased property values, but may not be prepared for…
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