The best gift you can ever make to your grandchild or grandchildren this festive period will have a longer-lasting impact Your grandchild or grandchildren may want the latest toy or gadget this Christmas, but how about giving them a present that can help their financial future? UK tax laws allow children to receive pension contributions… Continue reading Gifts of the financial variety
Category: Protection
Inheritance tax ‘Nil Rate Band’ and rates
Is it time to evaluate your estate? We can help you evaluate the size of your estate—which could include assets such as property, pensions, shares and personal property—and identify the opportunities that will help you avoid or reduce the amount of Inheritance Tax your family will have to pay on your estate and enable you… Continue reading Inheritance tax ‘Nil Rate Band’ and rates
Make writing your will your top 2014 New Year resolution
Save your loved ones from any additional stress at what is likely to be a very difficult time As much as we might not want to think about it, we are all going to die one day. Most of us know that we should write a will, but most of us never get round to… Continue reading Make writing your will your top 2014 New Year resolution
Are you making the most of your finances?
Keeping your tax bill to a minimum is not a matter of aggressive or complex tax schemes During this period of austerity, why pay more tax than you need to? Sensible tax planning is an essential tool in making the most of your finances. Keeping your tax bill to a minimum is not a matter… Continue reading Are you making the most of your finances?
Safeguarding your income and family wealth
We can help provide significant peace of mind to you and your family What would happen to your family if something were to happen to you or your partner? We all want to protect what’s important to us. And while most people recognise the importance of taking out insurance to cover valuable possessions such as… Continue reading Safeguarding your income and family wealth
‘Save smart’
Focused on managing costs We’re becoming increasingly good when it comes to cost cutting, according to the latest findings of an annual online survey from long-term savings and investment specialist Standard Life by YouGov PLC. Today, more than 9 out of 10 of us (92%) actively manage our costs to make our money go further. There has been a… Continue reading ‘Save smart’
‘Silver-splitters’
More couples are deciding to part later in life Divorce is not purely exclusive to the young or middle-aged, and we’re seeing a steady increase in what have been dubbed the ‘silver-splitters’ – couples who are deciding to part in later life. This growth in ‘silver-splitters’ brings into sharp focus the impact divorce can have… Continue reading ‘Silver-splitters’
What’s in your basket?
Diversifying your assets helps spread risk by lessening the potential for losses Most investors are used to hearing the term ‘diversification’ – but it has a broader meaning than many realise. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’. Spreading… Continue reading What’s in your basket?
Safeguarding your family’s lifestyle
The numbers show a significant protection gap exists for families in the UK We all want to safeguard our family’s lifestyle in case the worst should happen. But only a quarter (24%) of adults in the UK with children under 16 have any form of financial protection, a significant drop from 31% in 2013, according… Continue reading Safeguarding your family’s lifestyle
Making a will
Don’t leave your loved ones with additional costs and complications People who die without a valid will, or intestate, leave costs and complications to their loved ones and often gift thousands of pounds to the State in what may be avoidable Inheritance Tax (IHT). The Law Society says that anyone with assets and family or… Continue reading Making a will
