Newsletters & Guides

March / April 2022 Newsletter

Pension Freedoms - You work, you save and then you retire

Improving your financial health - Staying on track to achieving specific financial goals

Time is money - Five principles of investing everyone should know

plus much more

 


January / February 2022 Newsletter

Get Ready to Beat the ISA Deadline - Time to give your financial future a boost?

Adult Social Care Charging Reform - What will the government’s proposals mean for the social care system?

It May Be Time to Invest Your Cash - Is your wealth protected from

plus much more

 


November / December 2021 Newsletter

UK pensioners underpaid - More than £1 billion in State Pensions impacted due to ‘repeated human errors’

Minimum pension age on the up! - Increase intended to align with the raising of the State Pension age

Change to the state pension triple lock- Pensioners ‘deeply disappointed’, particularly women and self-employed

plus much more

 


September / October 2021 Newsletter

September / October 2021 Newsletter

Top pension tips if you’re about to retire - Understanding your options and putting a plan in place

What’s happening with inflation? - Easing of lockdowns boosts consumer confidence and unleashes pent-up demand

Time for pensions to contribute towards building a better world New landmark report from the United Nations on the state of climate science

plus much more

 


July / August 2021 Newsletter

July / August 2021 Newsletter

Wealth Preservation - How to minimise a Capital Gains Tax bill

Retirement Planning Journey - What you need to consider at every life stage

Protecting Family Wealth Start planning your legacy to mitigate or reduce Inheritance Tax

plus much more

 


May / June 2021 Newsletter

May / June 2021 Newsletter

Minimum Pension - Age to Increase. - Age change to when people can start taking private pension savings

Boost your pension savings - Planning to achieve your retirement goals sooner

Will your pension run out early?> Impact on people opting for early retirement as a result of the pandemic

plus much more

 


Guide to Lasting Power of Attorney

 

Guide to Lasting Power of Attorney

Giving someone you trust the authority to help you make decisions

If you wish to have peace of mind that a particular person will have the legal authority to look after your affairs and you want to make matters easier for them and less expensive, then you should obtain professional advice about putting in place an LPA.

 


Guide to Pound Cost Averaging

Guide to Pound Cost Averaging

Smoothing out market volatility

So you have a lump sum to invest. What now? Do you invest it all at once or bit by bit? Will soaring inflation, rising interest rates and further supply chain disruption fuel market volatility this year and impact on your lump sum?

 

 


Guide to Financial Protection

Guide to Financial Protection

Preparing for the unexpected

Are you safeguarding the people and things that matter most? As part of our financial planning process, we will help you plan how best to protect your wealth and assets. If you have any concerns, or to review your current situation, please contact us – don’t leave it to hance

 

 


Guide to 2021/22 Tax Year-End Planning

Guide to 2021/22 Tax Year-End Planning

Protect yourself, your family and your future

As another tax year end approaches, it’s important to finalise your 2021/22 tax planning to reduce your obligations wherever possible. The current tax year started on 6 April 2021 and ends on 5 April 2022. Reviewing your tax affairs now will enable you to make the most of any allowable deductions and strategies available to minimise or mitigate a potential tax burden.

 


Guide to Setting Financial and Lifestyle Goals

Guide to Setting Financial and Lifestyle Goals

Plan for tomorrow, live for today

Financial success doesn’t happen by accident. It’s a process starting with having a goal, planning carefully and being confident of making the right decisions at the right time. It is easy to stray from basic, solid principles of finance. These remain true no matter what your age or circumstances. It’s those same principles that need to be applied to your financial affairs.

 


Guide to Managing and Maximising Your Wealth

Guide to Managing and Maximising Your Wealth

Create a secure financial future for yourself and your family

Individual solutions.Ready to find out more? Whether you are looking to grow your capital, generate an income or preserve your wealth, we’ll put your money to work for you in tailored portfolios designed to give you confidence in achieving the future you want. To discuss your requirements, or to find out more about our services, please contact us – we look forward to hearing from you

 


Guide to New Year Investment Resolutions

Guide to New Year Investment Resolutions November 2021

Navigating the choices planning for the future brings

Get professional financial advice, tailored to you. No matter how complex your finances or personal situation, we have the expertise to provide you with forwardthinking advice, tailored precisely to your needs. When it comes to planning for your financial future, it's important that you understand all the options available to you, and that you get the right financial advice

 


Guide to Self Invested Personal Pensions Schemes

Guide to Self Invested Personal Pensions Schemes November 2021

Time to get back to dreaming about your retirement. Not dreading it?

Making the right choices now could make a big difference to how much money you have in the future, and saving into a pension plan could help you achieve the lifestyle you would like. You’re never too young to save for retirement. To discuss your options, please contact us for further information – we look forward to hearing from you.

 


Guide to The State Pension

Guide to The State Pension November 2021

What will I receive from the state in my retirement?

The State Pension is a vital source of income for millions of retired people across Britain. However, the system can be complex and it’s important that you know how it works. If you’re looking to maximise your income in retirement, a good place to start is with your State Pension.

  The earliest you can start receiving the New State Pension is when you reach the State Pension age.

 


Guide to Your Options at Retirement

Guide to Your Options at Retirement September 2021

 

How to turn your pension savings into an income for life

There are many things to consider as you approach retirement. It’s good to start by reviewing your finances to ensure your future income will allow you to enjoy the lifestyle you want. The earlier you start thinking about what you’ll need for a comfortable retirement and where your money is going to come from, the more control you can have over that period of your life

 


Guide to Investing for Children and Grandchildren

Guide to Investing for Children and Grandchildren September 2021

 

Turning growing pains – into long-term gains

Turning growing pains – into long-term gains. With many of us living longer, you may be thinking about how you can support your family at the moments that matter. Sharing your wealth during your lifetime – especially with younger generations facing the pressures of rising house prices and university fees – can really make a difference and bring you great joy too

 


Guide to Investing

Guide to Investing September 2021

 

Could your money be working harder so you don’t have to?

Ready to start a conversation? In our guide we look to debunk the myth that investing is only for the very wealthy. Investing means different things to different people. If you would like to find out more or arrange an appointment, please contact us – we look forward to hearing from you.

 


Guide to Critical Illness Cover

Guide to Critical Illness Cover July 2021

 

Helping you to focus on recovery, not your finances

Everybody wants to feel that, even if they were diagnosed with a critical illness, they’d be able to cope financially. Critical Illness cover can help minimise the financial impact on you and your family if you become critically ill. Being diagnosed with a critical illness can affect anyone at any age, strike at any time and can turn lives upside down.

 


Guide to Inheritance Tax Planning

Guide to Inheritance Tax Planning July 2021

The future can’t be predicted, but it can be protected

Time to preserve your wealth and transfer it effectively? The accumulation of your assets and wealth will have come from hard work and determination. So protecting this is essential. Preserving your wealth and transferring it effectively is an important part of wealth management, no matter how much wealth you have built up. To find out more or arrange an appointment, please contact us – we look forward to hearing from you.

 


Guide to Portfolio Diversification

Guide to Portfolio Diversification July 2021

Why you should spread your savings and investments

Trying to navigate the ups and downs of market returns, investors seem to naturally want to jump in at the lows and cash out at the highs. But no one can predict when those will occur. By maintaining proper portfolio diversification and avoiding the pitfalls of market timing, you’ll have the foundation needed to help manage your overall exposure to market volatility. Historically, the stock market has been up more than down.

 


Guide to The Future of Retirement May 2021

Guide to The Future of Retirement May 2021

 

Clarifying your vision to determine the best course of action

We all have our own idea of the life we’d like to lead after we’ve left the nine-to-five behind. Whatever retirement looks like for you, it’s important to make the right plans now, so that you have the freedom to enjoy the time when it comes, however you choose to fill it. To find out more or to discuss your vision for retirement – please contact us.

 


Guide to Six Principles of Investing May 2021

Guide to Six Principles of Investing May 2021

Putting aside money for your future and getting it to work for you

Whatever stage of life you’ve reached and whatever plans you may have for the future, you want your money to earn the best return possible without taking undue risk.
That’s why it’s important to invest in a way that’s right for you and that will meet your goals.

A diversified portfolio, including a range of different assets, will help to iron out the ups and downs and avoid exposing your portfolio to undue risk.

 


Guide to Passing Assets Efficiently to the Next Generation May 2021

Guide to Passing Assets Efficiently to the Next Generation May 2021

What will your legacy look like?

Peace of mind after you're gone
Making sure that you’ve made plans for after you’re gone will give you peace of mind. It’s not pleasant to think about, but it means that your loved ones can carry out your wishes and be protected from IHT.
To discuss how we could help you to pass assets efficiently to the next generation, please contact us for more information.

 


Guide to Pension Consolidation March 2021

Guide to Pension Consolidation March 2021

Managing your retirement savings in one place

One thing retirement is not, is an age. Not any more anyway. Gone are the days of being told to stop working one day and pick up your pension the next. Today you have new pension freedoms to decide when and how you retire.
Consolidating pensions can remove the hassle and paperwork of managing lots of different plans, as well as cutting charges and giving you access to a wider range of investments

 


Guide to Lifestyle Protection March 2021

Guide to Lifestyle Protection March 2021

Protecting your family's financial security for the future

Have you prepared for the unexpected? Every family is different, but they invariably play a big part in our lives. It’s important to think about how we can protect ourselves and our family against the unexpected as best we can. If you have any concerns, or to review your current situation, please contact us – don’t leave it to chance
This guide is for your general information and use only and is not intended to address your particular requirements. It should not be relied upon in its entirety and shall not be deemed to be, or constitute, advice.

 


Guide to Investing for Life's Journey March 2021

Guide to Investing for Life's Journey March 2021

Planning for future wealth and a comfortable retirement

Whatever age you are, wherever you are on life’s journey, it’s human nature to live in the moment and cope with whatever challenges life throws at you. Selecting the most appropriate investments to align with your values and life goals requires undertaking the right planning to accumulate wealth over the long term.
Its important not to forget that volatility in financial markets is normal and you need to be prepared for the ups and downs of investing, rather than reacting emotionally when markets enter a period of correction.

 


Guide to Individual Savings Accounts Singles January 2021

Guide to Individual Savings Accounts Singles January 2021

Use it or lose it! Don't miss out on this year's tax-efficient opportunity

An ISA is a tax-efficient way to invest because your money is shielded from Income Tax, tax on dividends and Capital Gains Tax. The Individual Savings Account (ISA) is one of the most straightforward ways to achieve tax-efficient gains. Investing in an ISA can complement an existing portfolio, or simply provide an introduction to saving and investing

 


Guide to 2020-2021 Year End Tax Planning

Guide to 2020-2021 Year End Tax Planning

Keeping more of your money to enjoy, invest, save or pass on

Tax never requires a one-size-fits-all approach. Each taxpayer and each year will be different. And with the end of the current 2020/21 tax year approaching on Monday 5 April 2021, now is the time to carry out a tax health check and implement any planning opportunities. We should all be thinking about tax planning throughout the course of a year, but this year we have been distracted by the impact of the coronavirus (COVID-19) pandemic on our lives.

 


Guide to Designing your Own Lifestyle Plan January 2021

Guide to Designing your Own Lifestyle Plan January 2021

It's never too late to be what you might have been

Successful lifestyle planning should prepare you for every possibility. Once you understand your dreams,ambitions and needs, you can take action to make sure these become a reality. Life doesn’t stand still, so your financial plans shouldn’t either.

 


Archive Guides

Please see below our past guides.

 


Guide To Self-Invested Personal Pensions

Guide to Wealth Preservation and Wealth Transfer

The importance of planning for the future and having your affairs in order

The accumulation of your assets and wealth will have come from hard work and determination. So protecting this is essential. Preserving your wealth and transferring it effectively is an important part of wealth management, no matter how much wealth you have built up. It’s the process of making a plan for how your assets will be distributed upon your death or incapacitation. To discuss your situation, please contact us.

 


Guide To Self-Invested Personal Pensions

Guide To Self-Invested Personal Pensions

What do your retirement plans look like?

Saving for your retirement is one of the longest and biggest financial commitments you will make. Imagine you’re retiring today. Have you thought about how you’re going to financially support yourself (and potentially your family too) with your current pension savings? The new pension freedoms provide an incentive to look again at your retirement savings. ASelf-Invested Personal Pension (SIPP) could be right for you if you’re looking for a wider choice of investment options and have sufficient knowledge and experience of investing to make your own investment decisions.

 


Guide To Cashflow Modelling

Guide To Cashflow Modelling

Is it time to bring your money to life?

Wealth is more than money. Managed the right way, it should be a tool that gets you closer to your goals, to serve you at different stages of your life. Cashflow modelling as part of the financial planning process is also vital if financial goals are to be achieved, such as repaying your mortgage, buying a holiday home, paying for school and university fees and being able to retire when you want to. It is also important that you have sufficient funds for emergencies to provide for unexpected expenses, such as a job loss or long-term illness.

 


Guide to Pensions on Divorce

Guide to Pensions on Divorce

Navigating through what may be uncertain territory during this emotional time

If you’re going through a divorce, dividing up any pensions you have will usually be one of the largest financial decisions you need to make. Agreeing financial arrangements in your divorce can seem daunting; there are so many misconceptions and myths as to what each party is entitled to that it gets confusing. The rules surrounding dissolution of a registered civil partnership are the same as those for divorce. In this guide, we use the term ‘divorce’ to mean the end of a registered civil partnership as well as the end of a marriage.

 


Guide to Post-Covid-19 Retirement Planning

Guide to Post-Covid-19 Retirement Planning

Pandemic leads to changes in future retirees’ plans

The coronavirus pandemic has changed our concept of retirement and how we make decisions about our retirement plans based on short-term events and circumstances, and for many of us, this will have long-term consequences for our financial wellbeing and retirement.

Planning for a successful retirement should open the door to an interconnected approach rather than product-based solutions. Put simply, in order to get the best retirement planning outcomes, it is now necessary to have a strategy that gives more choices and greater flexibility.

 


Guide to Getting my Finances in Order

Guide to Getting my Finances in Order

When it comes to making financial decisions, you don’t have to go it alone

The coronavirus (COVID-19) pandemic outbreak has affected people in various ways. However, this has undoubtedly been a time for contemplation surrounding our personal finances. Many have taken the new-found time at home to conduct a review of their finances, to assess necessary and unnecessary expenditure. While uncertainty with the job market continues, a tighter grip on finances is key.

 


Guide to Tax Year-end Planning

Guide to 2019/20 Tax Year-end Planning

Now is the time to make some tax-smart moves before it's too late

Tax is never a one-size-fits-all approach: each taxpayer and each year will be different. And with the current tax year-end approaching, this is a perfect time to carry out a tax health check and implement any planning opportunities before the end of the 2019/20 tax year.

There are a number of valuable allowances and reliefs that will be lost if they are not used before the deadline.

 


Guide to Planning my Retirement

Guide to Planning my Retirement

How can I guarantee the kind of retirement I want?

Are you ‘mid or late career’ or planning to retire within ten years? If the answer’s ‘yes’, then you probably want to know the answers to these questions: ’Will I be able to retire when I want to? Will I run out of money? How can I guarantee the kind of retirement I want?’

A better tomorrow starts with understanding today. When the future is unclear, the thought of retirement may well feel more daunting than exciting. Our retirement planning service can help you build the wealth you need to achieve the retirement you deserve.

 


Guide to Investing for my Future

Guide to Investing for my Future

Your opportunities. Your wealth. Your legacy

Making the right choices to invest for your future can seem complex. But with the right investment strategy in place we can ensure you are able to make informed decisions to secure the financial future you want. We’ll help you work out exactly what you want to get out of your investments, set realistic targets and keep you on track.

Life doesn’t stand still, so your investment approach shouldn’t either, whether you are looking to invest for income, growth or a combination of the two.

 


Guide to Setting Financial Goals

Guide to Setting Financial Goals

How to create financial goals you can actually achieve

Taking control of our financial life requires planning, and that starts with setting financial goals. Setting short-term, mid-term and long-term financial goals is an important step towards becoming financially secure and independent.

We all have different financial goals and aspirations in life. Yet often, these goals can seem out of reach. In today’s complex financial environment, achieving our financial goals may not be that straightforward. This is where financial planning is essential to help secure your financial future.

 


Guide to Pension Freedoms

Guide to Pension Freedoms

How will you turn your pension into money you can use?

You’ve worked hard for your retirement, but before you can start enjoying it, you’ll need to decide how your pension will provide the income you need to live on.

In March 2014, the then Chancellor of the Exchequer, George Osborne, announced a radical reform of the pensions system to give people greater flexibility to access their pension savings. The new pension freedoms took full effect from 6 April 2015 and have given retirees a whole host of new options.

 


Guide to Estate Preservation

Guide to Estate Preservation

The importance of making early plans

Effective estate planning aims to ensure that the wealth you have accumulated during your lifetime is distributed to the right people, at the right time and as tax-efficiently as possible.

Preserving and enhancing your wealth is one of our core objectives. You’re likely to want to pass as much of your wealth to your loved ones as possible. And you’ll want to provide for your dependents, especially your spouse and children.

 


Guide to Planning For Your Retirement

Guide to Planning For Your Retirement

Am I ready for life beyond work?

When it comes to planning for retirement, the earlier you start, the more potential your money has to grow. Retirement planning is not simply about paying regularly into your pension and forgetting about it. Instead, it is essential to review your progress against your retirement goals and take account of changes that may affect your plans.

A critical aspect of retirement planning is structuring your affairs to ensure that you can meet your desired level of income when you stop working.

 


Guide To Saving And Investing For A Child's Future

Guide To Saving And Investing For A Child's Future

How to ensure your children or grandchildren get the best financial start in life

Whether you want to teach your children or grandchildren smart money-management strategies, help them pay for university or set them up for financial success as adults, it’s important to jump-start saving and investing for them early on.

Whether it is saving for school or university education, or to provide a deposit on a first home, giving your children or grandchildren a good start in life is among most people’s top priorities.

 


Guide to Income Protection Insurance

Guide to Income Protection Insurance

Would you still need a monthly income if you can't work?

Have you ever considered what would happen to you or your loved ones if you couldn’t work due to a longterm illness or injury which results in a loss of earnings? It’s important to be able to keep your finances healthy as you recover.

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? Being unable to work can quickly turn your world upside down.

 


Guide to Understanding Investment Risk

Guide to Understanding Investment Risk

When it comes to investing, one size definitely does not fit everyone

There are many decisions to consider when making any investment. One of these is how much risk you are prepared to take. This will be determined by a number of different factors. In this guide, we take a look at the different types of investment risk and how it can relate to returns.

 

 


Guide to Estate and Trust Planning

Guide to Critical Illness Cover

Don't let a life-changing moment disrupt your home and work life and put a strain on your family's finances

What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for treatment. You may also need to take some time off.

It’s hard to know what the financial impact of all this would be for you and the people who depend on you. A critical illness can affect anyone at any age and can turn your life upside down.

 


Guide to Estate and Trust Planning

Guide to Estate and Trust Planning

Helping you plan for your future and your family's future

Estate planning is not just about reducing tax. It’s about giving you peace of mind for the future, knowing you’ll have enough after retirement and your loved ones will have the financial support they need, which is why it’s essential to make sure your wealth is protected for you and your family. By structuring your assets in a tax-efficient way, you can make sure everyone is provided for in the future.

 

 


Guide to Creating The Life You Want

Guide to Creating The Life You Want

Shaping your future and preparing for the road ahead

As we all know and experience, there are usually bumps in the road on every journey. Even the best financial plans and most experienced investors can’t always predict the complexities of life.

So the starting point for protecting, growing and passing on your wealth is to have a clear financial plan, linked to your lifestyle goals. But your financial goals – which are likely to be the biggest, most life-changing goals of all – can all too often be put on the back burner, whether this is working out ways to build an investment portfolio, set up a business, retire early or leave your wealth to your family.

 


Guide to Life Insurance Protection

Guide to Life Insurance Protection

Planning for a time when you're no longer around

It’s not easy to think about how you would secure your family’s future if you were no longer around. Understandably, we would rather not think of the time when we’re no longer around. But it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens.

 

 


Guide to Managing Investment Risk

Guide to Managing Investment Risk

No such thing as 'one size fits all'

One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’ – reducing the risk of your portfolio by choosing a mix of investments.

 

 


Guide to Retirement Countdown

Guide to The Final Retirement Countdown

Time to review your financial plans with a financial check-up?

If you are aiming to retire within the next five years, it’s time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans. While you should think about retirement planning as early as possible, the five years leading up to retirement are critical.

Retirement may be looming with terrifying urgency, and the reality is that you have just 60 pay packets left until you retire.

 


Guide to Wealth Preservation

Guide to Wealth Preservation

Place your future in experienced hands

This guide details the number of key areas that will enable you to put in place an effective protection planning strategy to preserve and protect your wealth for you and future generations.

Peace of mind for the future is essential. You’ve worked hard to build and grow your wealth; it’s only natural to put in place measures to protect it.

 


Guide to Tax Matters

Guide to Tax Matters

2019/20 key changes you need to know

This guide sets out the main tax changes that apply to the 2019/20 tax year, which commenced on 6 April 2019.

Reviewing your tax affairs to ensure that available reliefs and exemptions have been utilised, together with future planning, can help to reduce your tax bill.

 

 


Guide to Year End Tax Planning 2018/19

Guide to Year End Tax Planning 2018/19

Key tax and financial planning tips

When it comes to tax, leaving important planning to the end of the tax year can cost thousands. So now is your last chance to get your tax affairs in order before the end of the 2018/19 tax year. We’ve provided a summary and tips for some of the key tax and financial planning areas which may be appropriate to certain taxpayers and should be considered prior to the end of the tax year on Friday 5 April 2019.

Tax planning might not sound very exciting, but it can have a dramatic effect on your personal finances.

 


Guide to Wealth Creation

Guide to Wealth Creation

Plan for the life you want

Creating and maintaining the right investment strategy plays a vital role in securing your financial future, whether you are looking to invest for income, growth or a combination of the two. Life doesn’t stand still, so your financial plan shouldn’t either.

We often think of investment goals in terms of a single investment strategy, but in truth they really require several strategies, each tailored and based on your specific goals. However, not all financial goals can be met with a single investment strategy.

 


Guide to Individual Savings Accounts

Guide to Individual Savings Accounts

The little allowance with big potential

Individual Savings Accounts (ISAs) are an incredibly effective means of shielding your money from both Capital Gains Tax and Income Tax. Using your tax-free allowances every year should be a standard part of your financial planning.

Each tax year, we are each given an annual Individual Savings Account (ISA) allowance. This can build up quickly, letting you accumulate a substantial tax-efficient gain in the long term.




Guide to Setting Investment Goals

Guide to Setting Investment Goals

Securing your financial future – solutions to help you meet your investment goals

Creating and maintaining the right investment strategy plays a vital role in securing your financial future.

How much control do you want over your investments?

We can advise you on solutions to help you meet your investment goals so that you weather the markets by keeping your portfolio diverse.




Guide to Retirement Planning

Guide to Retirement Planning

Planning ahead for the financial future you want

Living for another 30 years after work isn’t just a possibility, it’s a probability. Whether retirement is many years away or just around the corner, unless you start planning for retirement now, there is a great danger that you could outlive your savings.

The earlier you start planning, the easier it will be to create the retirement lifestyle you want.




Guide to Lasting Powers of Attorney

Guide to Lasting Powers of Attorney

Preparing in advance of vulnerability and incapacity

It is difficult to comprehend that you would ever lose the ability to manage your own affairs, but mental and physical incapacity can happen to anyone at any time.

In England and Wales, a Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions on your behalf during your lifetime.




Guide to Later Life Care

Guide to Later Life Care

Planning for One of the Biggest Social Challenges in the Coming Years.

Have you thought about the cost of care in later life?

One of the biggest challenges of the 21st century is Britain’s ageing population.




Guide to Shareholder and Partnership Protection

Guide to Shareholder and Partnership Protection

Good Health, Good Business

If your business partner or a shareholder died or became critically ill, have you ever thought what the impact could be?

The loss of a business partner or a shareholder can have a major impact on the success of any business.




Guide to How to Grow Your Wealth

Guide to How to Grow Your Wealth

Creating a strategy for your investments that match your goals.

Investing can be intimidating, a complex world with its own language.

But by recognising and meeting your distinct requirements, we can have a positive impact on your life and investment objectives and help you through the entire process.




Guide to Self-Invested Personal Pensions

Guide to Self-Invested Personal Pensions

Taking greater control of your retirement plans for the future.

It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This will mean careful consideration of your pension fund throughout your working life.

To find out more about setting up Self-Invested Personal Pension, please contact us, and we’ll arrange a meeting to discuss your requirements.




Guide to Protection Planning

Guide to Protection Planning

Prepare for every possibility.

Welcome to our Guide to Protection Planning. Inside we look at the number of key areas that will empower you to put in place an effective protection planning strategy to preserve and protect your wealth for you and future generations.

There are many things to consider when looking to protect you and your family – premature death, Inheritance Tax, illness and loss of income, to name but a few. These events all need to be considered in an effective protection planning strategy. To review your situation, please contact us – we look forward to hearing from you.




Guide to Asset Allocation

Guide to Asset Allocation

Reflecting your future capital or income needs.

Understanding investment risk and determining what level of risk you feel comfortable with before you invest is an important part of the investment decision process. Your potential returns available from different kinds of investment, and the risks involved, change over time as a result of economic, political and regulatory developments, as well as a host of other factors.




Guide to Protecting Yourself from Scams

Guide to Protecting Yourself from Scams

Don’t let a lifetime’s savings and investments be lost in moments.

Fraudsters are getting more deceitful and ever more successful. Pension and investment scams are on the increase in the UK. Everyday fraudsters are using sophisticated ways to part savers from their money, and the Internet and advances in digital communications mean these kinds of scams are getting more common and harder to identify. A lifetime’s savings can be lost in moments.




Guide to Investing

Guide to Investing

Take the time to think about what you really want from your investments.

The sooner you start investing, the better off you will be. This is a simple truth, and it is based on the fact that even the most conservative investments grow on a compound basis.




Guide to Individual Savings Account Transfers

Guide to Individual Savings Account Transfers

Looking to boost the funds in your tax-efficient account?

Did you know you can transfer your Individual Savings Account (ISA) from one provider to another at any time? Transferring your ISA to another provider is easy and could boost the funds in your tax-efficient account – but it has to be done right. If you have accumulated a number of ISAs over the years, keeping them all in one place could give you better control and help you save money.




Guide to Retirement Planning

Guide to Retirement Planning

Creating the opportunity to enjoy your life after work.

Welcome to our Guide to Retirement Planning. In recent years, retirement has become more about the opportunity to enjoy your life after work. Your finances are a huge part of achieving that. With the maximum State Pension currently £8,546.20 (2018/19) a year, you’ll need to decide if this is going to be enough for you to live on when you retire.




Guide to New Tax Year Planning 2018/2019

Guide to New Tax Year Planning 2018/2019

The key changes to existing policies and newly introduced initiatives.

Now that we’ve entered the 2018/19 tax year, a number of key changes have taken place to existing policies, along with some newly introduced initiatives. It’s important to consider these tax implications when making financial decisions.




Guide to Inheritance Tax

Guide to Inheritance Tax

Safeguarding more of what is rightfully yours for future generations

When we die, we like to imagine that we can pass on our assets to our loved ones so that they can benefit from them. In order for them to benefit fully from your assets, it is important to consider the impact of Inheritance Tax.




Guide to Stock Market Turbulence

Guide to Stock Market Turbulence

Don’t let global uncertainties affect your financial planning for the years ahead!

The overall direction of developed stock markets is a relentless and continual rise in value over the very long term, punctuated by falls. It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns, can often miss out on opportunities to invest at lower prices.




Guide to  Lifestyle Planning

Guide to Lifestyle Planning

Helping you create the life you want!

No two people have identical financial circumstances, which is why it’s essential you have a custom financial planning solution that meets your individual needs and goals. Planning for financial success can be complicated in today’s world. A broad knowledge of everything from complex retirement and investment products to risk management strategies and tax laws is required.




Guide to Income Protection

Guide to Income Protection

Financial resilience and peace of mind for individuals and households!

If you were one of the million people in the UK each year that find themselves unable to work due to a serious illness or injury, how would you cope financially? The Association of British Insurers 2017 findings highlight the fact that of these, many find it difficult to survive on their savings or on sick pay from work.




Guide to Wealth Preservation

Guide to Wealth Preservation

Passing on your wealth in the most tax-efficient way.

Welcome to our Guide to Estate Preservation. Wealth transfer has become an important issue for many families today. Individuals with assets of any size should prepare for their eventual transfer whilst making provision for any tax or legal consequences.





Guide to Year-End Tax Planning

Guide to Year-End Tax Planning

Don’t miss the chance to make the most of valuable tax-efficiencies and allowances!

It’s important to take the time to give your finances a year-end check-up. The 2017/18 tax year ends on 5 April 2018, with the new tax year beginning the following day, on 6 April. These are important dates for financial planning, so it’s important you don’t miss the chance to make the most of valuable tax-efficiencies and allowances.




Guide to  Pensions and Divorce

Guide to Pensions and Divorce

Breaking up is hard to do!

Divorce and pensions are very significant. A pension could be a couple’s most valuable matrimonial asset, in some cases worth more than the equity in the family home. As such, it is important that pensions are considered in the financial settlement if a couple decides to divorce or dissolve their registered civil partnership. All the money you’ve saved into it (except for your basic State Pension) will be taken into account when your assets are divided.

 


Guide to Self-Invested Personal Pensions

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

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

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

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

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

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

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

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

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

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

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

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

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 new Inheritance Tax rules

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

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

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

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

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

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.

 

 


Investment matters

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

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.

 


Protecting your financial plan

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.

 

 


Lifetime Allowance

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.

 

 


Active and passive investment management

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.

 

 


Retirement Planning

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.

 


The New State Pension

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.

 

 


Lifetime Individual Savings Account

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.

 

 


Budget 2016

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.

 

 


Inheritance Tax Planning

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

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.

 

 


Wealth Preservation

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

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.

 

 


Investing in 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.

 

 


Spending Review and Autumn Statement 2015

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.

 

 


Investing for Children

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.

 

 

 


Income Protection

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.

 

 


Wealth Preservation

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.

 

 


Retirement Planning

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

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.

 

 


Equity Release

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

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.

 


Creating a Diverse Investment Portfolio

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 the Budget 2015

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.

 


Guide to the Budget 2015

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

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.

 


Archive Newsletters

September / October 2020 Newsletter

September / October 2020 Newsletter

Silver Splitters - Financial fall-out of divorcing in middle age

'No Desire to Retire' - Why working and retirement are no longer binary terms

Planning to Leave a Family Legacy? - Impact of Coronavirus (COVID-19) on Will making

plus much more

 


Mar / Apr 2020 Newsletter

March / April 2020 Newsletter

Planning For Tomorrow - Will my retirement income be enough to live on comfortably?

Top 4 Tips For Good Tax Planning - What should I consider before the end of this tax year?

Preserving Your Legacy - How to keep your wealth in the family

Time To Give Your Pension Pot A Boost? - Planning ahead for the financial future you want

plus much more

 


Jan / Feb 2020 Newsletter

January / February 2020 Newsletter

Estate Protection - Preserving your wealth and transferring it effectively

Retiring Abroad - Prior preparation is key for a smooth transition into your new life

ISA Returns Of The Year - Time to explore your ISA options?

Wealth Uplift - Calculating the value of financial advice

plus much more

 


Nov / Dec 2019 Newsletter

November / December 2019 Newsletter

Cultivate The Art Of Patience - Focus on long-term investment objectives

Sleepwalking Into Retirement - How much will you need to save to afford a comfortable retirement?

Tax-wise - Make the most of your valuable allowances, reliefs and exemptions

Every Journey Starts With A Destination - Looking at the bigger picture for your wealth and security

plus much more

 


Sept / Oct 2019 Newsletter

September / October 2019 Newsletter

Retirement Resilience - Taking the reins and having more control over your pension pot

Not Ready To Give Up Working And Retire - Almost half of UK employees expect to work beyond the age of 65

Cashing Out - Pension changes brought a whole new range of options to consider

Saving Adequately For The Future - How much should you try to save to have a comfortable retirement?

plus much more

 


July / August 2019 Newsletter

July / August 2019 Newsletter

Choppy waters, not full-on gale - Wait for the bad weather to pass and stay the course

Goldilocks economy - How to prepare your portfolio for inflation

Healthy, wealthy and well advised - Financial complexities of passing on wealth

Show me the money - Turning pensions into money you can use

plus much more

 


May / June 2019 Newsletter

May / June 2019 Newsletter

Inheritance Tax - No longer something that only affects the very wealthy

Building a diverse portfolio - Time, patience and making informed decisions

Tracing a lost pension - The scale of the UK's lost pensions mountain has been exposed by the largest study yest on the subject

plus much more

 


March / April 2019 Newsletter

March / April 2019 Newsletter

Life after work - Planning for the retirement you deserve

Your ISA, your future - Time to reimagine how to invest more tax-efficiently?

Retirement options - Greater responsibility on individuals to plan for financial security in old age

Brexit - what next? - Unintended consequences

plus much more

 


January / February 2019 Newsletter

January / February 2019 Newsletter

Exploring your ISA options - Time to give your financial future a boost?

Keeping it in the family - Careful planning can reduce or even eliminate the inheritance Tax payable

For the life you want - Building up your nest egg is more discipline than difficult

State Pension - Move to equalise male and female pension ages

plus much more

 


November/December Newsletter

November / December 2018 Newsletter

Festive Gifts - Building wealth for a solid financial future

Inflation Matters - Impact of rising prices on investments

Wealth Navigator - Planning the best route for the next generation

Avoid The Mad March Rush - Get a head start on your tax planning resolutions

plus much more

 


September / October 2018 Newsletter

September / October 2018 Newsletter

Positive Outcomes - Impact investing without sacrificing returns or profits

Generation still Taxed - Numbers nearly double in the last two decades

Seize the day Today - Make your vision a reality

Should I stay or should I go now? - Key aspects that influence retirement decisions

plus much more

 


July/August Newsletter

July / August 2018 Newsletter

Transferring ISAS - Time to bring your investments together?

Back to the Future - Visualising what really matters to you is the key to the planning process

When I'm gone - How a simple list can help your loved ones after your death

ISA Rules and Inheritance Tax - Families set to pay millions in unnecessary tax

plus much more

 


May / June 2018 Newsletter

May / June 2018 Newsletter

Protecting your estate for future generations

Generous grandparents - The bank that likes to say ‘yes’

Your money, your choice - Supporting your future financial requirements

Making the most of your pensions - Have you accumulated multiple plans that need reviewing?

Retirement wealth - What’s the right answer for you?

plus much more

 


March/April Newsletter

March / April 2018 Newsletter

Market matters - Don’t let current global uncertainties affect your financial planning

Wealth preservation - Reducing Inheritance Tax means taking action now

Tips to minimise the tax you pay - Have you utilised your tax planning deadline opportunities?

Retirees enjoy new lease of life - Pensioners embracing the benefits of retirement

plus much more

 


November/December Newsletter

January / February 2018 Newsletter

Making solid financial resolutions - Grow your money and live the life you want

Reach your financial goals - Helping you realise your retirement vision

‘Sandwich’ generation - Not having enough money for retirement is the biggest concern

ISA returns of the year - Taking control over where your money is invested tax-efficiently

plus much more

 


November/December Newsletter

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

 


September/October Newsletter

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 Newsletter

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 Newsletter

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 Newsletter

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 Newsletter

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 Newsletter

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

 


Archive Guides

  • Guide to Pensions and Divorce
  • A Guide to Wealth Protection
  • Guide to Asset Allocation
  • A Guide to Inheritance Tax
  • A Guide to Retirement Planning
  • A Guide to Wealth Management
  • A Guide to NISAs for 2015
  • A Guide to New Pensions Freedom
  • A Guide to 2014/15 Year End Tax Planning
  • A Guide to the 2014 Autumn Statement
  • Guide to Inheritance Tax
  • 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
  • Guide to the Autumn Statement 2013
  • A Guide to 2013/2014 Year End Tax Planning

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