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• Your Essential 2021/2022 Allowance Checklist

  4 days ago

  After the excitement and excess of the festive season, January is a good time to make plans for the coming year. You still have three months left until the end of the tax year, which is plenty of time to make the most of your tax allowances. By doing some planning now, you can save tax and avoid the last minute rush in April. [...]

• Is a Financial Planner Right for Everyone?

  1 week ago

  Creating your own financial plan is fairly easy and accessible. The internet offers budgeting spreadsheets, investment calculators, and trading platforms. Everything you need to plan your future and build a financially independent lifestyle is literally at your fingertips. [...]

• Getting the Best from a Lifetime ISA

  3 weeks ago

  Two of the most important financial goals are getting onto the property ladder and securing a comfortable retirement. Sometimes these goals are in conflict with each other, as the more you save towards a deposit, the less you have available to top up your pension. [...]

• A Short Guide to Wealth Preservation in Retirement

  2 months ago

  A secure pension income for life is no longer a reality for most people. While some retirees are fortunate enough to have built up a substantial defined benefit pension, the majority will need to manage their retirement carefully, drawing an income from a number of different sources. [...]

• Policies for Life – Make Sure They Pay

  2 months ago

  Insurance is an often neglected aspect of financial planning, especially when it comes to thinking about your estate. There are several options available for reducing Inheritance Tax (IHT), for example, making gifts, placing money in trust, or investing in business assets. [...]

• How to Teach Financial Wisdom to Children

  3 months ago

  We all want our children grow into successful and responsible adults. Passing exams and starting a career can help to get them on this path, but they don’t nurture many of the life skills we take for granted. [...]

• What Does a Healthy Portfolio of Funds Look Like?

  5 months ago

  If you read the financial press, you will see a lot of speculation about what you can, or should, invest in. Social media is no different, with stock tips and investment forums building up a significant online following. [...]

• 5 Ways Your Spouse Can Help Reduce Inheritance Tax

  5 months ago

  Many couples keep their finances separate, which makes sense in some situations. If both parties are financially independent and contribute equally, it can be a fair and sensible way of managing household finances. [...]

• A Short Guide to Re-mortgaging

  6 months ago

  Remortgaging can be a useful way of improving your deal, raising additional funds, or restructuring your financial arrangements. [...]

• 5 Tips to Get the Best Tax Deal in 2021/2022

  6 months ago

  As the Covid restrictions are gradually lifted, normality is starting to appear on the horizon. Throughout 2020 it was difficult to make plans for next week, let alone the rest of your life. But the new tax year, and the prevailing optimism, mean it is a great time to start planning and catch up on missed opportunities. [...]

• Why Cash is Not Necessarily King

  7 months ago

  The pandemic has caused financial hardship for many people, with multiple industries still facing uncertainty. But for those fortunate enough to stay in work, or be covered under the furlough scheme, there have been fewer opportunities to spend money. Long, sociable lunches, after work drinks and foreign holidays have been off the menu for over a year. While many of us might have splashed out on new tech, home improvements and leisurewear, the savings still add up. [...]

• How Does Protection Planning Change When You Retire?

  7 months ago

  As you work towards financial independence, protection is an important part of the plan. Having the right insurance can mean that your financial plan stays on track, even if the unexpected happens. [...]