Inheritance tax

Effective Inheritance Tax planning could save your beneficiaries thousands of pounds, maybe even hundreds of thousands, depending on the size of your estate. At its simplest, Inheritance Tax is the tax payable on your estate when you die if the value of your estate exceeds a certain amount. Continue reading…


Income protection insurance

Protecting your income should be taken very seriously, given the limited government support available. How would you pay the bills if you were sick or injured and couldn’t work? Income protection insurance, formerly known as ‘permanent health insurance’, is a financial safety net designed to help protect you, your family and your lifestyle in the event that you cannot work and cope financially due to an illness or accidental injury preventing you from working. Most of us need to work to pay the bills. Continue reading…


Critical Illness Protection

The diagnosis of a serious illness can mean a very difficult time for your health and your wealth. But critical illness cover can provide vital financial security when you need it most. Most homebuyers purchase life assurance when they arrange a mortgage, but overlook critical illness cover, another form of financial protection that we are statistically more likely to need before reaching retirement. Continue reading…


Flexible retirement planning

Isn’t it time to tailor your pension to
suit your own personal requirements?

More investors are now able to take their entire pension as cash. Flexible drawdown allows you to take up to a quarter of your pension tax free as a lump sum, and then unlimited taxable withdrawals if set criteria are met. Continue reading…


Are we saying goodbye to Child Trust Funds?

The Government has issued a consultation on allowing transfers between Child Trust Funds (CTFs) and Junior ISAs (JISAs)

CTFs were one of Gordon Brownís recurrent Budget ideas. They eventually became reality in April 2005, with the Government making payments of around £250 or £500 for children born after 31 August 2002. Parents and others could make top-up contributions, but few did. Continue reading…


Are you financially prepared for your retirement?

The State Pension accounts for 36 per cent of the average retirement income in 2013

One in seven (14 per cent) people planning to retire this year will depend on the State Pension as they have no other pension, according to new research from Prudential. Continue reading…


Short-term excuses contradict long-term interests

What reasons do you have for
not investing in your future?

People who make bad money decisions as well as bad investment decisions can often rationalise them. The most common excuses are included below, but there are plenty of others. These arguments are often elaborate short-term excuses that we use to justify behaviour that often contradicts our own long-term interests. Continue reading…


Investing for income

Bright ideas to help you develop your portfolios and light up your wealth strategy

Investors with longer-term investment objectives often have requirements for regular income and capital growth. The right mix of income and capital growth may depend on whether you need immediate access to your money or you prefer to draw an income and grow your investments over time. Continue reading…


SIPP into summer

Talk to us about one of the most tax-efficient
ways of saving for your retirement

Retirement may be a long way off for you at the moment, but that doesnít mean you should forget about it. The sooner you start to plan for the future, the easier it is to build up the kind of money you need to enjoy the life you want. Continue reading…