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These articles help you understand your financial needs and aspirations 

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  • Tax Planning

Putting Life on Hold

Welcome to our latest edition. Rising living costs have been so significant in recent months that most UK households will have noticed a squeeze on their monthly budgets. Not only does this have a direct impact on people’s lifestyles, even though they are making every effort to cut back, but it has a knock-on effect on their lifelong goals such as owning a home or retiring comfortably. On page 05 new research highlights millions of people across the UK fear that the long-term impact of today’s rising living costs could see their life goals delayed or even missed altogether.

 

Navigating the higher rate tax freeze

Minimising the impact on your personal finances

 

Great wealth transfer 

Preparing both ‘the family’ and ‘the money’ for the transition of wealth to the next generation

 

Cash may not be king

Deciding whether to withdraw cash from your pension pot

 

Putting life on hold

Cost-of-living crisis delays homeownership, having children and retirement

 

Are you saving enough for retirement? 

One in six over-55s have no pension savings yet

 

Bringing pensions together

What to consider if you have multiple pension pots

 

How to protect you and your family’s future 

What kind of protection insurance do you need?

 

Inheritance Tax receipts reach £6.1bn

What if I could make my wealth more tax-efficient?

 

Bridging the gender pensions gap

Women left with half the pension pot, no matter the job

Unretirement

More over-50s returning to work amid cost-of-living crisis

 

Cost-of-living crisis

Britons cutting back on food and entertainment to keep cars on the road

 

Funding the lifestyle you want

Get your retirement plans in motion

 

It’s good to talk

More young adults are more engaged about money with their parents than past generations

 

A healthier approach to retirement wealth

Pension schemes have a critical role to play in the transition to a net zero economy

 

Health, wealth and happiness of a nation

Overall wellbeing still not close to being back to levels seen pre-COVID

 

Ten tips for first-time investors

Ready to get started on your investment journey?

 

When should I stop working?

How to tell whether you’re ready to retire

 

Never too early to plan ahead

Pension savers struggling to save enough for their later years

 

Bank of grandma and grandad 

Older generation using the wealth held in their property to help younger generations

 

Mind the retirement gap

Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age

 

Reevaluating the role of work

Preparing your finances for a career break 

 

Self-employed extremely vulnerable to loss of income

81% aren’t seeking financial advice

 

Later life and financial wellbeing

More than one-million over-60s are rethinking later life plans

 

Pension booster 

Mistakes to avoid when you’re aiming to build your pot

Show me the Money - How to Invest Your Money & Avoid Costly Mistakes

Welcome to our latest edition. It’s not surprising that the world of investing can seem complex, especially in the current global economic climate. Investors face an endless supply of market news, many investment choices and often-changing market conditions. There are a number of key principles that every investor should follow with the aim of building an effective long-term strategy designed to achieve their financial goals. 

Articles featured in this issue:

 

Rising cost of living crisis 

3 tips to maintain your financial wellbeing

 

Managing the impact on your pension

Just two out of five have planned for inflation in retirement

 

Self-employed vulnerable to financial shocks 

New research highlights that 81% aren’t seeking financial advice

 

Midlifers set to be impacted twice by the cost of living

Financial planning essential to help balance priorities

 

Show me the money

How to invest your money and avoid costly mistakes

 

Cost of ‘saver inaction’

Millions of savers think inflation will leave them better off

 

Inflation eating your savings?

How to benefit from tax reliefs in the current financial year

 

Tips for a healthy pension as you approach retirement

What really important retirement questions should you be asking?

 

What are the signs you’re really ready to retire?

No one-size-fits-all answer to this question

 

How to reduce Inheritance Tax by leaving a gift

Planning for your wealth preservation and the eventual transfer of that wealth

 

What does inflation mean for me and my money?

How to protect and grow your wealth over time

 

Recession-proof your finances

10 practical steps to ensure your money is working hard for you

 

Wealth vs health

More than half ignore medical advice and work despite poor health due to financial worries

 

Pension poverty after divorce

Ensuring an equal division of all the assets within the matrimonial pot

 

How much will you need to retire? 

Quarter of savers approaching retirement at risk of not having an ‘adequate pension’

 

Starting a family

What steps to take to prepare financially

 

How to improve your financial health

General principles to help you attain specific goals

Fed up With your Nine-to-Five

Welcome to our latest edition. Are you fed up with your nine-to-five? There are many factors that can influence when someone decides to retire. For some, it may be based on health reasons, while others may want to take advantage of government benefits or simply enjoy a more relaxed lifestyle. However, one of the most common factors that determines when people choose to retire is their age. On page 10 we look at what is the most popular age to retire early. New research reveals the key steps people have taken to embrace early retirement and examines the costs and benefits of doing so.

Invest Your Way Out of Inflation

Welcome to our March/April 2022 magazine. Inside, we look at why now is the time to make sure you protect your wealth. The word ‘inflation’ had barely featured in the market’s vocabulary in the last three decades until it suddenly started to come back with a vengeance in 2021. As higher inflation looks set to persist throughout 2022, on page 09 we consider why finding ways to generate a return on investments greater than inflation will be a key investment theme – otherwise your wealth falls in real terms. 

Articles featured in this issue:

 

Getting ready to retire?

Bolstering your retirement lifestyle as you approach retirement 

 

Invest your way out of inflation

Why now is the time to make sure you protect your wealth

 

Looking to build a bigger pension?

Don’t miss the deadline to give your pension savings a boost

 

Improving your financial health

Staying on track to achieving specific financial goals

 

How much do I need to save to retire?

Questions to help you live your best life in later life

 

‘Time is money’

5 principles of investing everyone should know

 

Pension freedoms

You work, you save and then you retire

 

Investment choices

Behavioural patterns shaping our way of investing, for better or worse

 

Cost-of-living crunch

Savers still recognise the importance of long-term planning

 

Disrupting social plans leads to savings surge

Britons saved almost £4bn as a result of the Omicron variant

 

‘Job for life’ a thing of the past

Most Millennials and Gen Z have two or more pension pots

 

Roadmap for investors

Increased confidence portfolios will perform well in 2022

 

Will I be able to retire when I want to?

Financial planning and advice for the ‘unretired'

 

Inheritance Tax

What will your legacy look like?

 

How confident are you about your retirement?

Hopes, fears and aspirations of people approaching and in retirement

 

Smart money habits

Best practice, smart money habits

 

Extending the scope of the trust register

Deadline for non-taxable trust registrations announced

 

Unlocking cash from the value of your home

Homeowners release a record-breaking £4.4bn in property wealth

2021/2022 Tax Year-End Planning

Protect yourself, your family and your future

As another tax year end approaches, it’s important to finalise your 2021/22 tax planning to reduce your obligations wherever possible.

The current tax year started on 6 April 2021 and ends on 5 April 2022.

Reviewing your tax affairs now will enable you to make the most of any allowable deductions and strategies available to minimise or mitigate a potential tax burden.

Identifying any tax planning opportunities

Check your PAYE tax code

Transfer part of your personal allowance

Contribtue up to £9,000 into your Child's Junior ISA

Utilise Capital Losses

Maximise Pension Contributions

Pay Pension Contributions to save NICs

Make a Will

Leave some of your estate to charity

Make regular IHT Free Gifts

Use the IHT Marriage Exemption

 

UKRAINE - RUSSIA CRISIS

UKRAINE - RUSSIA CRISIS


Why investors should take a long-term perspective and not panic

On the 24 February the Russian President, Vladimir Putin, ordered a military invasion against Ukraine. A war that many considered unthinkable had begun. Russia’s invasion of Ukraine has sent shockwaves through pretty much every asset class across the globe.

But if you are a long-term investor the best course of action for most individual investors is to keep calm and carry on.

Selling into a falling market is the opposite of what successful investors do. Equally important is the fact that no one knows what Russia’s invasion of Ukraine ultimately means for everything from energy prices to monetary policy. And then there’s the case that, historically speaking, stocks tend to recover quickly after being derailed by international turmoil.

New Year's Tax Savings Resolutions

Welcome to our latest edition. Inside, we look at New Year’s tax saving resolutions to make sure you are fully utilising your relevant tax planning opportunities. With the tax year end (5 April) on the horizon, taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. On page 08 we have provided some key tax and financial planning tips to consider prior to the end of the tax year. Now is also the perfect time to take a wider review of your circumstances and plan for the year ahead.

Adult social care charging reform

What will the government’s proposals mean for the social care system?

 

Improve your financial life

Setting a financial New Year’s resolution you’ll actually keep

 

Beyond profit

How green is your pension?

 

Get ready to beat the ISA deadline

Time to give your financial future a boost?

 

New Year’s tax saving resolutions

Make full use of your relevant tax planning opportunities

 

Time to bring your pensions together?

3.6 million Britons have lost track of their pension savings

 

It may be time to invest your cash

Is your wealth protected from the damaging effects of inflation?

 

How much income will you receive from your State Pension?

Knowing what to expect can be an important part of planning for life after work

 

Create a better world to live and retire in

Pension investments to harness a more sustainable planet

 

The importance of financial protection 

Millions battling with financial hardship, relationship stress and sleepless nights

 

Across the generations

Pandemic forces people to reassess their finances

 

Mind the pension gender gap

Women are being urged to think about their long-term savings

 

Could equity release fund your future?

Freeing up funds or releasing money tied up in your home

 

Missing midlife workers

Redundancy pushes over-50s out of the workforce

 

What’s your magic number?

Keeping up your current lifestyle and enjoying your golden years

 

Live sustainably: how to be a conscious consumer  

The everyday choices we make all have impacts on our planet

 

Saving for a rainy day

What’s the right emergency fund amount for you?

 

What matters to you?

What you want your wealth to achieve will be unique. It may involve your family, your business and other interests - as well as the social or environmental causes you are passionate about. We can help you achieve the financial future you want for you and your family – please contact us.