Is your workplace pension going to be enough?
Is your workplace pension going to be enough? The government introduced auto-enrolment in 2012 to help more people save for their retirement. At first glance, it has been a rip-roaring success. Workplace pension participation has doubled from 42% in 2012 to 86% in 2021. It started off with the biggest employers enrolling new staff into […]
The simplest way to pay your inheritance tax bill
The easiest ways to pay your inheritance tax bill Life is complicated, and so is tax. That’s why we’ve written this article about the simplest way to pay your inheritance tax bill. If your estate is large enough, your beneficiaries may well end up paying inheritance tax on your death. Large enough? Well, if you […]
A mortgage real life story
Mortgage Real Life Story: Helping a Couple Get a Good Mortgage Deal Analysts say that the Bank of England is caught between a rock and a hard place. They have a choice between allowing inflation to run riot or killing borrowers with ever higher interest rates. We see the numbers, but how does it affect […]
What does an estate planner do?
In this article, we answer the following question – what does an estate planner do? We offer a short overview of what estate planning is along with information on the role estate planners perform for their clients. If you are looking to reduce tax on your estate, or a looking to preserve your assets, read […]
10 effective ways to avoid inheritance tax in the UK
If your estate is large enough, your beneficiaries may be charged inheritance tax after you die. Many believe this to be an unfair tax, arguing that after paying tax on their income and spending during their lifetime they now have to pay tax again on death. Whatever you believe, you have two choices. Acceptance or […]
Manage money better during the cost of living crisis
How to manage money better during the cost of living crisis Looking for ways to manage money better during the cost of living crisis? I was at the supermarket at the weekend and overheard an outraged couple discussing the dramatic increases in prices They’d noticed that the price of a loaf of bread had gone up […]
Plan for the future whilst living in the present
Plan for the future whilst living in the present Planning ahead whilst living in the present must be one of life’s toughest balancing acts. How do you simultaneously plan ahead whilst living in the present? We are constantly bombarded with how important these things are individually, yet, if you had to focus on only one […]
Budget – Spring 2023
UK budget – Spring 2023 – pensions, tax, dividends & ISAs Jeremy Hunt, the UK Chancellor, delivered his first formal Budget on 15 March 2023. Please contact your financial adviser to discuss anything that may affect you. Here are some important highlights. Pensions Substantial changes to the registered pension tax rules include: The removal of the […]
Is buy-to-let still worth it in 2023?
It’s easy to have a gloomy outlook if you’re a landlord or considering becoming one. Interest rates are higher, so having a mortgage is much more expensive than it was twelve months ago and the tax position is much less favourable. Let’s get past the bad news first – warning, there’s plenty of it! How […]
How to plan for the five financial life stages
How do you plan for the five financial life stages? Think about who you were five, or even ten years ago. Have your priorities changed in that period? It is important to adapt your financial planning as you go through life and accumulate wealth. In this article, we discuss some things to think about as […]
