Updates

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.

Welcome to our Guide to Wealth Creation.Anything is possible when you manage your money the right way. There are always going to be bumps in the road on every journey, but the key is to be able to put a plan in place that is flexible enough to adjust to the unexpected.Creating and maintaining the right investment strategy plays a vital role in securing your financial future, whether you are looking to invest for income, growth or a combination of the two. Life doesn’t stand still, so your financial plan shouldn’t either.We often think of investment goals in termsof a single investment strategy, but in truth they really require several strategies, each tailoredand based on your specific goals. However,not all financial goals can be met with a single investment strategy.

Individual Savings Accounts (ISAs) are an incredibly effective means of shielding your money from both Capital Gains Tax and Income Tax. Using your tax-free allowances every year should be a standard part of your financial planning. Each tax year, we are each given an annual Individual Savings Account (ISA) allowance.This can build up quickly, letting you accumulate a substantial tax-efficient gain inthe long term. 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, which 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 taxyear, you cannot take that allowance over to the next year. Utilising your ISA allowance toinvest tax-efficiently could lead to significantsavings in Capital Gains Tax and even improve your potential returns.

In this New Year edition, the start of 2019 is the optimum time when you may be thinking about resolutions and plans for the year ahead and beyond. It’s a good time to start planning your tax affairs before the end of the tax year on 5 April. And as you think about 2019 and

It is difficult to comprehend that you would ever lose the ability to manage your own affairs, but mental and physical incapacity can happen to anyone at any time. In England and Wales, a Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. How much control do you want over your investments? Do you prefer to be in charge, or do you want someone to invest for you? Volatile markets can test your nerves. We can advise you on solutions to help

Living for another 30 years after work isn’t just a possibility, it’s a probability. Whether retirement is many years away or just around the corner, unless you start planning for retirement now, there is a great danger that you could outlive your savings. The earlier you start planning, the easier it will be to create

Welcome to our latest edition and our customary collection of articles designed to help you create and protect your wealth to be able to experience life to the full. As a parent, guardian or grandparent, you’ll want to provide the best future for your children or grandchildren that you can. Christmas is an excellent time

If your business partner or a shareholder died or became critically ill, have you ever thought what the impact could be? The loss of a business partner or a shareholder can have a major impact on the success of any business. But it’s not just about the loss of profits the business could suffer. Who