Updates

Inside, you’ll find an array of articles about how we can help you further to plan, grow, protect and preserve your wealth. As we all know, the ultimate goal money can buy is financial freedom. Volatility fluctuates based on where we are in the economic cycle, but it is a normal feature of markets that

In our guide, we consider the questions you may need to ask to shape your future. 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

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

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. In the most general sense, there are

At the time of writing this issue, the uncertainty around the terms of Brexit have been extended to a new deadline set for 31 October. All we can do is expect the best, prepare for the worst and capitalise on what comes. Inheritance Tax is no longer something that only affects the very wealthy, but

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

In this guide we set 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. Personal circumstances differ, so if you have

Welcome to our Guide to Wealth Preservation. Our advice can help you preserve and protect the wealth you’ve amassed through hard work, inheritance or good fortune. Inside our guide, we look at the number of key areas that will enable you to put in place an effective protection planning strategy to preserve and protect your

Welcome to our latest issue. Robert Kiyosaki, the
American businessman and author of the best-selling
book Rich Dad, Poor Dad, once remarked, ‘Making
money is common sense. It’s not rocket science. But
unfortunately, when it comes to money, common
sense is uncommon.’ As we continue into 2019 with the
uncertainties surrounding Brexit, we look to de-mystify
the ever-changing landscape of the financial world.
What better place to start off than tax-efficient
investing? Each tax year, we are each given an annual
Individual Savings Account (ISA) allowance. The ISA limit
for 2018/19 is £20,000, and anyone wishing to utilise
their allowance should do so before the deadline at
midnight on Friday 5 April 2019. The date marks the end
of the 2018/19 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.
To find out more about your ISA options, turn to page 06.
Over time, with life expectancy and the cost of living
rising, it could mean that some retirees are at risk of running
out of pension income in later life. On page 04, we consider
what you can do to make sure that you have a big enough
pension to meet your needs for your entire retirement.
This time of year is your last chance to get your tax
affairs in order before the end of the 2018/19 tax year. On
page 12, we’ve provided a summary of some 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.

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. The UK tax system offers
many different tax reliefs and allowances for
individuals. Reviewing your tax affairs to ensure
that available reliefs and exemptions have been
utilised, together with future planning, could
help to reduce a potential tax bill.