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Newsletters & Guides
November / December 2017 Newsletter
Don’t worry, be happy - How to build a sustainable retirement income plan
Growing care costs - Ageing population faces signiﬁcant funding crisis
Your wealth. Your legacy - Families shying away from difﬁcult conversations
Market sentiment - Reaching your long-term investment goals
plus much more
Guide to Self-Invested Personal Pensions
Putting you in control of your financial future
In our Guide to Self-Invested Personal Pensions, we look at how the retirement landscape over the past few years has fundamentally changed for the better, giving people more choice and control over their retirement income. We can help you to structure the right retirement income for your requirements and help you make the choices to meet your needs.
Guide to Stocks & Shares Individual Savings Accounts
Wrapping up a wide range of different investments tax-efficiently
Stock markets may be a riskier home for your savings, but higher rewards may be possible if you plan and take a longer-term view. Over longer periods, stocks and shares tend to deliver a superior return to cash, despite periodic bouts of volatility.
Guide to Creating Wealth for Children
Nurturing the future - investments to provide a flying start in life
Whether you’re a relative, parent, grandparent or a friend, investing for a child’s future is one of the most important things you can do. For any investor, time is a powerful ally – so where you are investing on behalf of children, you start with a great advantage.
Guide to Income Investing
Income-paying funds - an alternative to cash-based savings
Investing for income means choosing assets that are able to provide you with a regular income. This is in contrast to investing for growth, which focuses on how much your assets could gain in value. In our Guide to Income Investing, we consider the main investment asset classes that are used to generate a regular income.
Guide to Protection Matters
Protecting, preserving or ultimately distributing your wealth
Ensuring that you have adequate financial protection for you, your family and any dependants is an important element of financial planning. As a healthy working person with a good income, you may feel reasonably confident that you are able to provide for your family. However, your finances could be more precarious than you think.
Guide to Family Succession Planning
One of the most challenging experiences facing any business leader
Family succession planning is a journey that should commence the day you start your business, but often only commences with a trigger – in other words, something that has initiated the decision to start the succession process. It may be one of the most challenging experiences facing any business leader, especially an entrepreneurial business person who has built a family business from scratch, so it is crucial to get right.
Guide to Investing
Earning the best return possible without taking undue risk
Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.
Guide to Long-Term Care
Supporting self-care activities and independent living in later life
It’s a concern for many people how they will pay the cost of care either for themselves or for a loved one. The reality is that most people will be expected to pay something towards these costs. With the UK’s population ageing, more people will be living with longterm care needs.
Guide to Investing and Inflation
Safeguarding the purchasing power of your money over the long term
Rising inflation is a concern to investors, as changes in inflation and interest rates affect various asset types in different ways. This is an especially important issue for retirees living on a fixed income.
Guide to Retirement Planning
How will you ensure you achieve the retirement lifestyle you deserve?
The pension freedoms rule changes mean that we’ll be increasingly in charge of our pensions, both while we’re building up our retirement pot and when we start to draw an income. It’s therefore more important than ever to plan our retirement saving from an early age.
Guide to Lifetime ISA
New generation of tax-efficient wealth creation
The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help you save for a first home or for your retirement at the same time. To be eligible, you have to be aged between 18 and 39 years old (up until your 40th birthday).
Guide to Brexit
What could it mean for UK investors?
Brexit has created an air of uncertainty, and no one really knows what’s coming next or what it could all mean in the long term. On 29 March, Prime Minister Theresa May triggered Article 50 of the Lisbon Treaty in a letter to EU Council President Donald Tusk, starting two years of divorce proceedings.
Guide to Estate Preservation
Navigating your options for passing on wealth
You’ve worked hard all of your life to get to where you are, and providing for those you care about is important to you. However, just owning your own home and having sufficient capital to provide a reasonable income during your retirement may leave your estate with a sizeable IHT liability.
If you want to have control over what happens to your assets after your death, effective estate planning is essential. After a lifetime of hard work, you want to make sure you protect as much of your wealth as possible and pass it onto the right people.
Guide to the new Inheritance Tax rules
Safeguard your wealth for future generations
Although often in the news, Inheritance Tax (IHT) is still not widely understood. That’s worrying, because it affects thousands of families every year. If you thought IHT was just for extremely wealthy people to worry about, think again. The amount of IHT collected has doubled over the last five years.
Guide to Individual Savings Accounts
Don't miss the 5 April 2017 deadline
As we approach the end of the 2016/17 tax year, have you fully utilised your annual Individual Savings Account (ISA) allowance? The ISA limit for 2016/17 is £15,240, rising to £20,000 in 2017/18. Anyone wishing to utilise their allowance should do so before the deadline at midnight on Wednesday 5 April 2017. The date marks the end of the 2016/17 tax year. It is a ‘use it or lose it’ allowance, meaning that if you don’t use all or part of it in one tax year, you cannot take that allowance over to the next year.
Guide to New Year Wealth Planning
Navigating the financial aspects of your unique life's journey
The start of a new year enables you to reassess and critique your financial plans and goals to ensure that you know where you are and where you should be. It means you can also put in place new strategies or update existing ones to achieve the outcomes you are expecting. It means you can work towards and meet deadlines and allocate sufficient time to completing these financial objectives.
Guide to 2017 Investment Outlook
Protecting your portfolio from any possible surprises
After a game-changing 2016, the investment environment was not only mixed but characterised by uneven global growth and political events such as Brexit and the US elections. Many of the drivers that affected markets in 2016 will almost certainly remain the focus for 2017.
Guide to 2016/17 Year End Tax Planning
Taking advantage of planning opportunities means getting tax-savvy now
Effective tax planning is about knowing the taxes you are liable to pay and acting to legally minimise them. It is also about maximising your net income and creating opportunities to invest and save tax-efficiently. While there is no doubt that the tax system is complex, you should not let complexity deter you from a simple goal: keeping your taxes as low as possible.
Guide to Professional Financial Advice
Planning for your long-term future
With the busy lives we lead, it can be difficult to find the time to keep fully up to speed with everything that’s going on, including managing our ever-changing financial affairs. Especially when you also add to this that investment products are unlikely to remain the same throughout our lifetime, this is where professional financial advice can prove invaluable.
Guide to Investment Matters
Creating the life you want
Anything is possible when you manage your money the right way. Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. Investments can offer both risk and return, and generally the bigger the risk the greater the potential return. It’s down to each investor to be comfortable with the perfect balance for them, and this will vary depending on how much you have to invest, what stage of life you’ve reached and what you’re trying to achieve.
Guide to Wealth Management
Creating an integrated and coordinated approach to managing your wealth
Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. Whether you want to generate an income that supports your lifestyle, family and retirement plans; need help to pass your wealth on to future generations; or fund your ambitions, from personal legacies to philanthropy.
Guide to Protecting Your Financial Plan
Safeguarding the people and things that matter most
The right professional financial advice can give you the freedom to live life on your terms, and key to this is safeguarding your financial security by making sure you have adequate protection in place to care for the people and things that matter.
Guide to the Lifetime Allowance
What could the further reduction mean to your retirement income?
The Government has introduced comprehensive reforms to the pension rules over the previous few years. One important change, which may have been overlooked by some savers, is the reduction of the Lifetime Allowance that applies to pension savings. This further reduction means that you may be affected.
Guide to Active and Passive Investment Management
What's better - active or passive management?
If you are looking to invest in shares or bonds, you may think about putting your money into one or more managed funds. Managed funds are pooled investments that contain different securities, so you reduce the risk of holding just a few individual shares or bonds.
Guide to Retirement Planning
Shaping your retirement plans to best meet your individual needs and circumstances
Once you’ve decided to start saving for retirement, you need to choose how to do so. Pensions have a number of important advantages that will make your savings grow more rapidly than might otherwise be the case. Following the biggest reforms to pensions in recent times, whilst the ability to unlock pension pots is attractive you also need to understand the tax implications of doing this and accept the risk of ensuring that the funds built up are managed effectively to ensure that they last for life.
Guide to The New State Pension
What the rule changes mean to you
The State Pension changed on 6 April 2016. If you reached State Pension age on or after that date, you’ll now receive the new State Pension under the new rules. The aim of the new State Pension is to make it simpler to understand, but there are some complicated changeover arrangements which you need to know about if you’ve already made contributions under the previous system.
Guide to The Lifetime Individual Savings Account
Tax-efficiency and flexibility for the next generation
In the March 2016 Budget, the Chancellor announced major improvements to Individual Savings Accounts (ISAs) with the introduction of a new Lifetime Individual Savings Account (LISA) from April 2017, designed to help young people save flexibly for the long term throughout their lives. The aim is to help them simultaneously save for a first home and for their retirement without having to choose one over the other.
Guide to The Budget 2016
Budget 2016: the impact on your finances today and in future years to come
Chancellor of the Exchequer George Osborne delivered his eighth Budget speech on Wednesday 16 March, his third in 12 months. In our summary of the key announcements, we consider how they could impact on your finances today and in future years to come.
Guide to Inheritance Tax Planning
Protecting your assets to give your family lasting benefits.
Contrary to the belief of some, Inheritance Tax not only affects the very rich, but other people may be liable without realising. Few taxes are quite as emotive – or as politicised – as Inheritance Tax. The structures into which you transfer your assets can have lasting consequences for you and your family. We can help you choose structures and trusts designed to protect your assets and give your family lasting benefits.
Guide to Pension Changes
Unlock what the additional reforms could mean to you.
Pensions have been transformed by the arrival of freedom reforms on 6 April 2015 which now give far greater flexibility over what you can do with your pension pot. The new freedoms mean you can enjoy far greater choice on how you spend and generate an income from your pensions, but with further changes on the horizon these are some of the key changes you need to know.
Guide to Wealth Preservation
Optimising your tax position is paramout in the run-up to the financial year end.
Whether it’s the new rules on pensions, savings or taxable dividend income, we have set out what you need to consider in the run-up to the financial year end.
Guide to 2015/2016 Tax Planning
Essential tax and wealth strategies.
Tax is a highly sensitive subject for most individuals. In this guide, we consider a number of tax planning and wealth strategies. The start of a New Year is the perfect time to take stock and think about how you can improve your financial position and ultimately structure your affairs so that you don’t have to pay more tax than you legally have to, especially as we’re in the run-up to the tax year end on 5 April 2016.
Guide to Investing in 2016
Take stock of where you are and where you want to be, and plan how best to get there.
Successful long-term wealth creation requires the right balance between shares, bonds and other investments. In Guide to Investing in 2016, we consider a number of different solutions available to you, and each section explains the basic facts.
Guide to The Spending Review and Autumn Statement 2015
Government spending over the next four years and plans for the economy
On Wednesday 25 November 2015, Chancellor George Osborne presented his Spending Review which set out what government spending will be over the next four years, while the Autumn Statement updated his plans for the economy.
Guide to Investing for Children
Building a nest egg to provide for their financial future
Investing and saving for your children or grandchildren is a great way to give them a good financial start in life. Even small amounts can really add up if you save regularly from a child’s birth, and there are many ways to invest on behalf of a child.
Guide to Income Protection
Replacing your income if you couldn't work due to incapacity caused by illness or injury
No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance.
Guide to Wealth Preservation
Making your wealth last for you and future generations
After a lifetime of hard work, you want to make sure you protect as much of your wealth as possible and pass it to those who you would like to receive it. Wealth, just like your health, must be carefully preserved, and the correct solution for you is the one that suits your personal circumstances.
Guide to Retirement Planning
Making the most of the new pension rules to enjoy freedom and choice in your retirement
Following the biggest reforms to pensions in recent times, whilst the ability to unlock pension funds is attractive, you need to understand the tax implications of doing this and accept the risk of ensuring that the funds built up are managed effectively to ensure that they last for life, however long that may be.
Guide to Cash Flow Modelling
Visualising your future financial position
In order to develop your financial plan, you need clarity over your goals, your objectives and your motivations. Cash flow modelling illustrates what might happen to your finances in the future, and enables you to plan to ensure that you make the most of your money to achieve your financial objectives.
Guide to Equity Release
Unlocking cash in your home - is it right for you?
We all look forward to the day when we can stop or cut down on the amount of time we spend at work and all of the things we’d like to do once we’ve retired. If you’re facing a pension shortfall or need to meet an unexpected expense, equity release may be an option to consider. It allows you to unlock some of the wealth you’ve accumulated in your property without having to move. But before you consider taking this option, there are key aspects of it that you need to know.
Guide to New Pension Freedoms
Giving people greater power over how they spend, save or invest their retirement pots
Whether you’re saving for old age, about to retire or already have, you need to give your pension some attention following the announcement of the new pension freedom reforms. Perhaps most important of all were the changes announced in the 2014 Budget, which mean many more will now be able to retire and withdraw money from their pension without buying an annuity.
Guide to Creating a Diverse Investment Portfolio
How to work out your own investing style when things aren't black and white
‘Don’t put all your eggs in the same basket’ is probably the best known proverb advising investors about the importance of portfolio diversification to spread and reduce risk.
In this guide, we look at ways to protect your portfolio by spreading your risk across several different asset classes and some of the many different assets in which you can invest, each with different risk characteristics.
Guide to Wealth Goals
How to save for a rainy day and plan a comfortable retirement
Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.
Wealth goal-setting is very much like creating a business plan. You need to know a starting point and ending point, the time frame for ‘exiting’ (or reaching your goals), and the estimated cost involved.
A Guide to the 2015 Budget
The key announcements that could influence your financial planning decisions in the year ahead and beyond
In his final Budget before May’s general election, the Chancellor of the Exchequer, George Osborne, announced tax cuts for first-time buyers, workers and savers, and claimed Britain was ‘walking tall again’ after five years of austerity.
In our Budget 2015 Summary, we have provided information about the key announcements but primarily look at the main areas around financial planning.
Guide to Pensions Freedom
Helping you make the most of your new freedoms
The new government pensions freedom rules came into place from 6 April 2015. It’s really important to understand the changes and review your options, because from the age of 55, you can now take responsibility for the money you’ve saved and access your pension pot however you like.
Most people will now have more options when it comes to their retirement choices. But generally they’ll still want their pension income to last their lifetime – so careful planning is a must.
Guide to Inheritance Tax
Planning ahead to ensure that your assets are passed on to your loved ones as efficiently as possible
Few taxes are quite as emotive – or as politicised – as Inheritance Tax (IHT). The structures into which you transfer your assets can have lasting consequences for you and your family. We can help you choose structures and trusts designed to protect your assets and give your family lasting benefits.
A Guide to the 2014 Autumn Statement
The key announcements that could influence your financial planning decisions in the year ahead and beyond
Chancellor George Osborne delivered his Autumn Statement 2014 to Parliament on 3 December last year.
While it was viewed by many as representing a political success for the Chancellor, the Office for Budget Responsibility (OBR)’s forecasts were seen as providing a sober reminder of the fiscal constraints that the winner of the May general election faces.
A Guide to 2014/15 Year End Tax Planning
With careful tax planning, it may be possible to mitigate taxes or make them much more manageable
The run-up to the tax year end on 5 April 2015 is the perfect time to consider tax planning opportunities and to put in place strategies to minimise tax throughout 2015/16.
A Guide to New Pensions Freedom
Giving people more confidence to save into a pension
The Government's flagship pensions freedom policy comes into force on 6 April 2015 and will give far greater flexibility over what someone can do with their pension.
Whether you are heading for retirement or already a pensioner, the changes could affect you. The new rules give considerable freedom of choice. It has never been more important to ensure that you make the right choices about your pension pot, as these decision will affect you for the rest of your life.
A Guide to NISAs for 2015
The NISA way to grow your tax-efficient wealth
If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, increased to £15,000, and make the most of your tax-efficient savings, time is running out. You only have until 5 April to fully utilise your 2014/15 NISA allowance, after which it will be lost forever.
See our guide to find all about the current state of NISAs and what they can do for you.
A Guide to Wealth Management
Financial advice that adapts as your needs change over time
As wealth grows, so too can the complexity of its management.
In this guide, we look at different ways to create, conserve and enhance wealth. We are able to offer you bespoke solutions at every stage of your wealth planning cycle – from maintaining liquid cash reserves and managing wealth as it grows, to finding the best ways to preserve and pass on the wealth you have created.
A Guide to Retirement Planning
The freedom to choose what you do with your money
If you’re one of the millions of Britons approaching retirement age or wishing to retire early, it can be worrying and confusing.
Inside our guide, whether your retirement is in the far distance or just round the corner, to enable you to secure your financial security and independence during your retirement, we look at the areas you need to consider sooner rather than later.
A Guide to Inheritance Tax
Effective solutions designed to protect your assets and give your family lasting benefits in an uncertain world
Inheritance Tax (IHT) in the UK may be one of life’s unpleasant facts, but with the appropriate IHT planning and professional advice, we could help you pay less tax on your estate. The aim of this guide is to provide a brief outline of IHT, a subject that was once something that only affected very wealthy people.
A Guide to Asset Allocation
Balancing risk and return by apportioning your portfolio's assets through different life stages
The aim of this guide is to give a brief outline of asset allocation, an investment strategy that attempts to balance risk versus return by adjusting the percentage of each asset in an investment portfolio according to the investor’s risk tolerance, objectives and investment time frame.
A Guide to Wealth Protection
Preserving your wealth for the next generation
Welcome to our Guide to Wealth Protection. The security and opportunity your wealth brings can be protected for generations, but there are many things to consider when looking to protect you, your family and your wealth. Inheritance tax, premature death, illness and loss of income to name but a few all need to be considered in an effective wealth protection planning strategy.
A Guide to Pensions and Divorce
Why your maritial status doesn't need to affect your retirement planning
The number of people divorcing in later life is increasing, and it’s not just putting couples under emotional strain but it’s also potentially harming their retirement plans.
Achieving a fair resolution of all the financial issues surrounding divorce or the dissolution of a registered civil partnership can be highly stressful.
September / October 2017 Newsletter
New State Pension age - How will it affect your retirement plans?
Shopping around for a better deal - Consumers lost £130 million by sticking with the same pension provider in 2016.
Investing for income - How certain innate behavioural traits influence our decision-making
plus much more
May / June 2017 Newsletter
Road to Brexit - Biggest investment planning challenge over the coming years for all investors.
Protecting your finances and well-being - Millions of Britons face financial fallout should serious illness strike.
Pension freedoms - Retirement savers say they are still confused by the rules.
plus much more
March / April 2017 Newsletter
Safeguarding wealth for future generations - New Inheritance Tax rules apply from 6 April 2017.
A little today, a lot tomorrow - Managing investment risk during turbulent markets.
Looking to the future - Cost of essentials is the most common perceived threat to over-55s.
plus much more
January / February 2017 Newsletter
Delegating Power - When you are unable to make your own decisions.
Top Trump - Winners and losers from the seismic US election result.
2016/17 Year End Planning - Keeping your taxes as low as possible – what you may wish to consider sooner rather than later.
Investment Outlook - Taking advantage of opportunities in 2017.
plus much more
November / December 2016 Newsletter
Navigating Your Investment Options - How professional financial advice can prove invaluable.
Money's Too Tight To Mention - Planning financially for long-term sickness.
Consolidating Your Pension Pots - What you need to consider to ensure you don't lose out.
plus much more
September / October 2016 Newsletter
Pension Reforms - How the lifetime allowance reduction could impact on your retirement savings.
Investment Matters Post-brexit - Facing new challenges at every turn to meet long-term objectives.
Empty Nest, Empty Wallet - Parents putting financial health at risk to fund university costs.
plus much more
- How To Invest In 2014/15
- Guide to NISAs
- Guide to Auto Enrolment
- Guide to Achieving Financial Independence
- Guide to Individual Savings Accounts
- Guide to Investing for Income
- How to Benefit from Financial Planning
- A Guide 2012/2013 Year End Tax Planning
- A guide to the Autumn Statement 2012
- A Guide to Wealth Creation
- Renewable Energy - A Tax Efficient Investment Opportunity
- In this World E-shot Article
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