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Estate planning amid changing IHT rules
Ensuring your loved ones are cared for takes proper planningPlanning your estate is challenging at the best of times. Knowing how to mitigate your liabilities while ensuring your loved ones are cared for takes proper planning and the right tools. The 2024 Autumn...
Building a resilient investment portfolio
Smoothing returns and providing greater stabilityBuilding a secure financial future requires more than simply saving money; it demands a strategic approach to managing and growing wealth. A well-diversified investment portfolio safeguards against the inevitable...
How to plan for your special wedding day
Alleviate financial stress and ensure you start of married life financially secureWeddings celebrate love, commitment and the union of two lives, shared with family and friends. However, making this day memorable often comes at a significant financial cost. According...
Understanding state pension rights and inheritance
The topic goes beyond the basics—there are numerous layers to uncoverFor many, the intricacies of the State Pension remain very confusing, particularly regarding what happens after someone passes away. While many know that the State Pension does not automatically...
From crisis to resilience
Building a solid financial planThe financial crisis of over a decade ago shaped global markets. They faltered and stumbled but then bounced back with surprising speed. This resilience was bolstered by factors such as artificially low interest rates and buoyant market...
Financial planning in your 70s
Striking the balance between living comfortably and preparing for unpredictable eventualitiesEntering your 70s is a significant milestone, a time to fully enjoy the fruits of your hard work and careful financial planning. However, even if you’ve retired or reduced...
Pensioners set for income boost, but watch out for the tax trap
Could you lose out on tax-free allowances for other income?Many pensioners will enjoy another uplift in their State Pension income next financial year. From 6 April 2025, the State Pension is due to rise by 4.1%, on the back of an 8.5% increase in April 2023. This...
How to boost your chances of early retirement
Maintaining a strong commitment to your long-term goalsEarly retirement is an ambitious but attainable goal, provided you adopt the right and disciplined approach to your finances. At the heart of this lies establishing a tax-efficient savings plan designed to...
Practical financial planning for busy mums
The road to robust financial health, even when you’re juggling the demands of family lifeMotherhood comes with countless responsibilities, so it’s no surprise that long-term financial planning often gets pushed to the bottom of the list. Managing your finances is...
Investing isn’t a one-size-fits-all approach
Why timing the market could be holding you backAre you considering delaying your next investment until the market drops? It’s a common notion, particularly among new or even experienced investors. The strategy of ‘timing the market’ – buying stocks when their value is...
Planning for your dream retirement
Whether that’s adventure, relaxation or simply a slower pace of lifeMany of us eagerly await the day we can step away from work for good, envisioning a time filled with freedom and the opportunity to focus on what truly brings us joy. The dream of retirement offers a...
Pension funds and the path to net zero
Survey pinpoints several barriers threatening pension funds’ progressSixty-five per cent of pension funds recently surveyed by the Pensions and Lifetime Savings Association (PLSA) have established a commitment to achieving net zero carbon emissions. Progress appears...
Making the most of a lump sum windfall
Much will depend significantly on your goals, needs and long-term aspirationsReceiving a substantial lump sum of money – whether from the sale of a property, a business, an inheritance or a bonus – can open the door to exciting opportunities. It can potentially set...
Planning for the future of your wealth
How to integrate emotional, financial and practical dimensionsWhen it comes to your legacy, wealth transfer planning extends beyond the numbers. It’s not just about crafting a strategy for minimising taxes – although that remains vital. Today, successful...
Taking the road to a comfortable retirement
Achieving this vision requires careful planning and preparationWe all dream of a comfortable retirement, free from financial worries and full of opportunities to enjoy life. However, achieving this vision requires careful planning and preparation. While life’s...
Start 2025 with a New Year’s wealth check
An ideal opportunity to take stock of your financial healthLike your car, your finances require consistent care and attention to keep running smoothly. Just as a regular service ensures your vehicle performs at its best and avoids costly breakdowns, a yearly financial...
How to navigate the Capital Gains Tax changes
Ensure your hard-earned investments work efficiently for your futureCuts to the Capital Gains Tax (CGT) exemption mean it is now more critical than ever to arrange your investments tax-efficiently. For the tax year 2024/25, the CGT allowance has been reduced to...
ISA returns of the year
Making the most of your 2024/25 tax allowancesInvesting your money wisely is more than just pursuing returns – it’s also about leveraging tax allowances to make the most of it. Individual Savings Accounts, known as ISAs, remain popular thanks to their simplicity and...
Financial resolutions to boost your wealth this year
Taking a proactive approach to clarify your current financial standingThe start of a new year is the perfect opportunity to take a step back and thoroughly reassess your financial situation. It’s a natural time to evaluate and reshape your saving habits, particularly...
Autumn Budget Statement 2024
How could the range of changes impact your wealth planning?The Autumn Budget Statement 2024 introduced a range of changes that could significantly impact wealth planning strategies. From pensions and tax adjustments to shifts in the treatment of business and...
Maximise your tax allowances before 5 April
Make the most of your financial situation before the deadlineThe end of the tax year is fast approaching, ending on 5 April 2025. This is your opportunity to review your annual allowances and assess how best to make the most of them. With some significant changes to...