Pensioners are embracing the benefits of retirement and new found time with a new lease of life. As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement…
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Will you make provisions for all those you hold dear? Writing a will may seem daunting, and with everything else we should be thinking about it becomes just another chore on the to-do-list. It’s especially important for cohabitating couples to have a will, as the surviving partner does not automatically inherit any estate or possessions…
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When it comes to managing money, one of the things some people find most difficult to understand is the tax relief they receive on payments into their pension. Tax relief means some of your money that would have gone to the Government as tax, goes into your pension instead. You can put as much as…
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Protecting your estate for future generations – many individuals find the Inheritance Tax (IHT) rules too complicated. If you struggle to navigate the UK’s IHT regime, you are not alone. Whether you are setting up your estate planning or sorting out the estate of a departed family member, the system can be hard to follow.…
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The bank that likes to say ‘yes’ Forget the Lamborghini – 2.4 million UK Grandparents [1] have either raided their pension to support their grandchildren or plan to in the future. According to research from LV=, a quarter of generous grandparents who have already given away money to their grandchildren [2] have taken the funds…
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Most over 45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on…
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New initiatives you need to know from the 2018/19 tax changes. It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for…
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Retirement is a time for you to do the things you’ve always wanted. When considering your retirement income needs, you need to consider the types of events you would like to happen after you retire that may impact your budget. Thinking about these early could help you when you’re deciding the best way to take…
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Time to track and celebrate your wealth goals? With the Christmas festivities now a distant memory, money matters are firmly on people’s minds this year according to recent research (1). A poll of more than 3,500 UK adults (2) found the most common money goals are: putting more money into their savings accounts (21%); paying…
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Fraudsters employ increasingly advanced psychological tactics to persuade victims to invest. An estimated £1.2bn is lost to investment scams each year, with share sales, wine investments, land banking and carbon credits commonly used by fraudsters to target potential investors. A recent study by Citizen’s Advice found nine out of ten people would fail to spot common warning…
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Gathering information and developing your strategy Evaluating your goals in greater depth is essential if you want to get a picture of your responsibilities and aspirations. With a full understanding of your circumstances and priorities, we’ll provide you with advice that is custom-tailored to suit your specific lifestyle goals, and together you can develop a strategy based on your personal circumstances. CASH…
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Making informed decisions to improve your chances of achieving your financial goals If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Risk is the…
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