Your Brunel team update

Autumn has finally arrived, and it’s certainly been a busy few months for us here at Brunel Capital Partners. There’s a lot of exciting news to report, from our 10th anniversary to the important cultural events that we’re sponsoring.

Read on to find out all the important events that have happened to us in recent months.

Sponsoring two major cultural events in Wells

We are delighted to announce that our Wells office are sponsoring two important events in the city this autumn.

The first was the renowned Wells Festival of Literature, which ran from 15 to 23 October, and, as you may know, features a variety of well-known guest speakers.

This year, one of the most highly anticipated guests was the former leader of the Liberal Democrats, Vince Cable. In his talk, he discussed his new book, The Chinese Conundrum, which gives his insight on many different aspects of modern politics and economics.

You can visit the festival’s website to find a recording of the speech, if you want to watch it.

The second event that Pilgrim Financial Planning are sponsoring is the highly anticipated Festival of the Moon, which is running from October to early November. The festival features a guided astronomy tour, an art installation by Luke Jerram, and competitions for children.

Wells Dementia Action Alliance fundraising walk through Wells and Dulcote

On 17 October, Pilgrim took part in a fundraising walk for Wells Dementia Action Alliance. As you may know, this is an annual event which is great fun and aims to raise money for a very good cause.

This year, the route took the team through Wells and Dulcote and was slightly more challenging than in previous years, with a longer distance and a large hill to climb. Of course, that just made it all the more rewarding when the walkers reached the top and got to see the outstanding views of the surrounding countryside.

If you’d like to get involved with any of their fundraising activities in future, visit their Facebook page for more information.

Brunel Capital Partners recently celebrated its 10th anniversary

Brunel Capital Partners recently celebrated its 10th anniversary with a fun-filled afternoon and evening to remember.

The last few years have been a real adventure for us, and we would like to thank all our clients, friends, and associates for being part of it. We are extremely grateful for your loyalty and support, and we are very proud of the business, team, and relationships in the community that we have built along the way.

For many of us, it doesn’t seem like long ago since we first started in September 2011, but as the old saying goes, “time flies when you’re having fun”. While this may be something of a cliché, it’s certainly true for all of us here at Brunel.

The next generation

Finally, here at Brunel, we are delighted to announce the arrival of two happy and healthy babies to members of our staff.

The first is Sebastian William Mayes, who was born last June and weighed 9lbs 9oz. His mother, Harriet Mayes, has been with us for almost four years, working as a paraplanner in our Wells office.

Just two months later, Seren Victoria Hiles was born, weighing 5lb 7oz. As you may know, Seren’s father, Dan, is a Chartered Financial Planner and has been with us since 2014.

As they welcome their new family members, we would all like to give both parents our fondest wishes.

Lucy Cooper, another of our paraplanners, is going on maternity leave in a few weeks’ time to have her baby, which is due later this month. All her friends and co-workers would like to wish her the best of luck and look forward to meeting the new arrival.

Our new “plant a tree” initiative

The Impact team at Brunel have recently been reviewing our processes to understand what we can do better in relation to the environment and the community we work in.

Climate change is a global problem, as illustrated by the COP26 summit, but it’s also important to take action at a grass roots level.

One of our initiatives has been to offset our use of paper but the team also decided that we could go one step further by planting a tree for every new financial planning client. We are doing this as part of The National Trust’s effort to establish 20 million new trees by 2030 and our first donation will be in this quarter.

Get in touch

As always, if you ever need to speak to us for any reason, please don’t hesitate to get in touch. Please email team@brunelcp.com or call us on 0117 214 0870.

5 simple ways to boost your immune system this autumn

As the days start to get colder, it becomes much easier for coughs and colds to spread, even if we try our hardest to avoid them. The coronavirus pandemic has made many people more conscious about their hygiene, but despite the increased use of face masks and hand sanitiser, it isn’t always enough.

According to a recent report by Public Health England, published in the Guardian, there has been a spike in cold infections, partly due to people’s weakened immune systems after 18 months of social distancing.

If you want to help your body ward off illness, there are a few things that you can do to help. Here are five simple ways to boost your immune system this autumn.

1. Make sure you’re eating a healthy diet

As you may know, having a balanced diet can be an essential part of maintaining a healthy immune system throughout the colder months. That’s why it’s important to ensure that you’re getting all the nutrients that your body needs to effectively fight off infections.

Foods such as fruits, vegetables, nuts, and seeds are all rich in vitamins, minerals, and antioxidants, which can help to boost your wellbeing. It’s also important to ensure that you get enough Vitamin C, as this is essential for a healthy immune system.

Probiotic foods, such as yoghurts, usually contain beneficial bacteria which can help to keep your digestive system healthy. This can help to prevent bacteria and viruses entering your body.

It can also be important to ensure you’re getting enough healthy fats, such as those found in olive oil and fish, to make sure your body can fight off pathogens effectively.

2. Use supplements in moderation

While we’re talking about proper nutrition, it’s worth mentioning the use of health supplements, such as Vitamin C pills and cod liver oil tablets.

Of course, while these are no replacement for a healthy and balanced diet, using them in moderation can help to boost your immune system if you’re lacking any important vitamins or minerals.

One of the most important nutrients for warding off disease is Vitamin C. As you probably know, this plays a major role in the healthy functioning of the immune system.

You may also want to consider Vitamin D supplements, as these can help to support the growth of new immune cells to help your body fight off pathogens. The body produces this vitamin through exposure to sunlight, meaning that many people become deficient in it during the shorter days of autumn and winter.

3. Try to exercise regularly

Another important way that you can support your immune system is by making sure that you’re getting regular exercise. This is because it can boost your cardiovascular health, lower your blood pressure, and control your weight.

The combination of these three factors help to facilitate a healthy and functioning immune system. Exercising regular also helps to promote the growth of new immune cells, making sure that your body is always reading to fight off germs.

According to the NHS, all adults should aim to get at least 150 minutes of moderate exercise each week to stay healthy. This can involve anything from hiking to biking, or even just taking a brisk walk to work each morning.

4. Make sure that you get enough sleep

As surprising as it sounds, one factor that can noticeably affect your immune system is how much sleep you get. That’s why, if you want to be able to fight off coughs and colds this autumn, you need to ensure that you get enough rest.

While aiming for the full seven or eight hours each night is a good start, you may always want to consider the quality of your sleep too. If you want to boost this, here are three simple ways to practice good “sleep hygiene”:

  • Try to fall asleep at the same time each night
  • Limit your caffeine and alcohol consumption in the afternoon and evening
  • Avoid using electronic screens, such as a mobile phone or tablet, before bed.

5. Limit your exposure to stress

As you’re probably aware, too much stress can impact your mental wellbeing, but you may not know that it can also affect your physical health. Persistently high levels of stress can actually lower the number of white blood cells in your body, making it harder to fight off germs.

Furthermore, stress can also impact your body by hindering its ability to properly digest food. This means that you don’t get enough of the essential vitamins and minerals in your diet that allow your immune system to prevent infections.

While it is obviously more easily said than done, reducing the level of stress in your life can be a good way to ensure your immune system is able to combat bacteria and viruses when you need it to. One simple way to lower your stress levels can be with relaxation exercises, such as yoga or deep breathing.

Why protection and financial planning go hand in hand

Since the initial outbreak in Spring 2020, the coronavirus pandemic has changed our lives in a variety of ways. One of the most important lessons that we’ve learned in recent months is that you never know when the unexpected might happen.

If you want to build long-term financial stability, one of the most useful ways you can do so is by finding the right type of financial protection for your needs. This can help you to absorb and overcome financial obstacles.

A recent study, published by FTAdviser, showed that the pandemic has prompted more than half of people to re-evaluate how they protect their financial future. If you want to ensure your long-term stability, read on to found out how protection and planning go hand in hand.

Protection can help you to absorb short-term financial shocks

As much as we might try to prepare for the future, it can sometimes catch us unaware. The pandemic is one of the best examples of this as, back in January 2020, nobody could have predicted how it would impact life in the UK over the ensuing months.

Likewise, on a personal level, you can never know when an unexpected change might impact your life. While you probably already have an emergency fund in place, this may not always be enough.

For example, consider the possibility that you suffer an injury that leaves you unable to work. While your company may offer sick pay, it may only last for a few months and you may not be well enough to return before it ends.

Additionally, Statutory Sick Pay in 2021/22 is just £96.35 a week, which is unlikely to be enough for you and your family to live on.

This can pose obvious problems, especially if you have ongoing financial commitments like mortgage repayments or education fees for children or grandchildren.

If this happened, you may have to dip into your savings in order to make ends meet. While this can help you in the short term, it can significantly impact your wealth in the long term.

This is where having income protection could help you, as it pays out a portion of your salary after an “excess period” of your choosing. These payments typically continue until you’re well enough to return to work or until the end of the policy period.

Income protection usually covers most illnesses that leave you unable to work but there are some exceptions to this so it’s important to read the terms of your policy thoroughly.

Protection can give you greater confidence in your plans

If you get diagnosed with a serious illness, it can be emotionally devastating. At a time when you should be thinking about recovery, concerns over money are the last thing you need. This is where critical illness cover can help.

Unlike with income protection, critical illness cover will pay you a lump sum, rather than a monthly amount, when you are diagnosed with a serious illness. You can then use this to pay for private medical care, to repay your mortgage, or maintain your current standard of living if you need to take extended leave from work for recovery.

Please bear in mind, though, that the definition of a critical illness often varies between providers, so make sure to read the terms of your policy so that you know what you’re protected against.

Having protection in place can give you greater peace of mind to know that even if you are diagnosed with a serious illness, it wouldn’t disrupt your long-term plans.

It can help to ensure the financial stability of your loved ones

A final way that financial protection can help you is with your estate planning. While nobody likes to think about the prospect of passing away, it’s important to plan ahead.

If you’re the main earner in your household, your death could have a significant impact not only on your partner’s retirement plans but also on your loved ones’ financial futures. This is where seeking protection can help.

Many couples do their financial planning together and an unexpected passing can significantly affect this. Having life insurance in place can help to ensure that your partner won’t have to experience a lower quality of life when you die.

Furthermore, protection can also be invaluable for protecting any inheritance that you want to set aside for your loved ones. A life insurance payment can help your family to cover any Inheritance Tax liabilities when you pass away.

Having protection in place can be invaluable for preserving your family’s financial wellbeing, even if the worst should happen. There are several different types of life insurance that you should consider, so if you want to know more about which is right for you, you may benefit from seeking financial advice.

In life, you never know when the unexpected may happen. If you want to be prepared for when it does, finding the right form of protection for you can be invaluable.

Get in touch

If you want to find out more about which types of cover could benefit you, we can help. Please email team@brunelcp.com or call us on 0117 214 0870.

Brunel Capital Partners is a sister company of Pilgrim Financial Planning