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These articles help you understand your financial needs and aspirations 

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  • Tax Planning

Build Your Own Financial Plan - Vision without action is merely a dream

Welcome to our September/October 2021 issue.

Inside, we look at how having a financial plan in place early on can make it easier to manage your money further down the line. It’s never too early to make a financial plan. The sooner you work out your goals and start following a plan to achieve them, the more likely you are to succeed. On page 06 there are three key questions to ask yourself when building your financial plan. Don’t forget: vision without action is merely a dream.

Articles featured in this issue:

 

Top pension tips if you’re about to retire

Understanding your options and putting a plan in place 

 

Making inheritance gifts from surplus income 

Are you making use of this useful and much under-utilised exemption?

 

What’s happening with inflation?

Easing of lockdowns boosts consumer confidence and unleashes pent-up demand

 

Build your own financial plan

Vision without action is merely a dream

 

Preparing for the unexpected

Protection should be a core part of your financial plan

 

Time for pensions to contribute towards building a better world

New landmark report from the United Nations on the state of climate science

 

Coping with life-changing events

Plan for tomorrow, live for today

 

How to trace multiple old pension pots

Over time, pension schemes close, merge or become renamed

 

How has COVID-19 affected retirement plans?

Attitudes and aspirations of this year’s retirees

 

Property wealth boost

Older homeowners receive £1.94 billion 

 

Wealth preservation 

Minimising the impact of Inheritance Tax on your estate

 

Gender pension gap

British women impacted at every stage of career

 

Financial futures

Gen Xers expected to face significant challenges in retirement

 

Intergenerational financial planning

COVID-19 increases desire for sustainable investing for half of UK adults

 

Retirement plans being put in jeopardy

Pandemic threatens pushing over-50s into pension poverty

 

What will happen to your pension when you die?

Providing an income or nest egg for your loved ones to enjoy, long after you are gone

 

Keeping it in the family

Two in three people accessing advice share same financial adviser as their parents

 

Coronavirus alters retirement plans

One in eight older workers extend their planned retirement age

 

Planning for a better financial future

Have you made sure your plans are still on track?

Pension Boost - Are you claiming all of the generous tax relief you're entitled to?

Welcome to our latest edition. Inside this issue, the unique combination of tax breaks and flexible access available to pensions makes them a compelling choice when saving for retirement. We look at one of the key benefits of saving into a pension rather than another type of savings or investment vehicle – the generous tax relief you’re entitled to receive. Making the most of pension saving involves maximising tax relief and allowances which could substantially boost your retirement savings.

Articles featured in this issue:

 

Wealth preservation

How to minimise a Capital Gains Tax bill

 

Retirement planning journey

What you need to consider at every life stage

 

Protecting family wealth

Start planning your legacy to mitigate or reduce Inheritance Tax

 

Pension boost

Are you claiming all of the generous tax relief you’re entitled to?

 

‘It’s not what you earn, it’s what you keep’

The potential impact to your expected retirement income over time

 

Reappraisal of urban living

Three million people in the UK aged over 50 considering relocating

 

Mind the divorce gap

Women see incomes fall by 33% following divorce, compared to just 18% for men

 

Protect yourself from pension scams

Understanding the warning signs to keep your money safe

 

Plan for tomorrow, live for today

Helping you achieve your financial goals

 

How to future-proof your finances as a parent

A momentous event that can change every aspect of your financial stability

 

Creating wealth for children

Investing isn’t just a luxury reserved for adults

 

Changing tax landscape

Time to take a different view and organise your financial affairs?

 

Pension Lifetime Allowance

Do you need to take action to avoid risking additional tax charges in retirement?

 

Plan the perfect retirement 

Creating a comfortable, secure retirement takes care and forethought

 

Evolution of ESG investing

Changing face of consumer ethics and behaviours

 

Money’s too tight to mention

Looking to retire from work, not a paycheck?

 

Pension freedoms

Looking for a wider choice of investment options?

 

No such thing as a ‘no-risk’ investment 

Knowing how much risk you are comfortable taking is key

 

Advice matters

Intergenerational planning and wealth transfer between advised families

 

Pension tax relief

27% of people surveyed did not know how it worked

A New Tax Year, A New Start For Your Finances

Welcome to our latest edition. As we enter another new phase in the coronavirus (COVID-19) pandemic, each UK nation has set out a roadmap out of lockdown, a positive sign that we can hopefully start to get back on track both financially and emotionally.

Minimum pension age to increase

Age change to when people can start taking private pension savings

 

A new tax year, a new start for your finances

Creating a roadmap for your future financial success

 

Boost your pension savings

Planning to achieve your retirement goals sooner

 

Retirement options

What can you do with your pension pot?

 

Grandparents, grandchildren and money

Sharing your wealth during your lifetime can make a big difference

 

Will your pension run out early?

Impact on people opting for early retirement as a result of the pandemic

 

Sustainability matters

Plan for a better tomorrow, today 

 

Pension lifetime allowance

How to stay within the limit to avoid a tax charge

 

It's good to talk

Getting financial help during the coronavirus (COVID-19) pandemic

 

Steps towards a better financial future

Grow, protect and transfer your wealth

 

Conscientious investor

Investing today to help make a better tomorrow

 

Retirement clinic

Answers to the myths about your pension questions

 

Time to look at the ‘big picture’?

Discovering the emotional benefits of financial advice

 

The Golden Years?

Be better off in retirement

 

Live the life you want

How much pension income will you need for a comfortable retirement? 

 

Funding your child’s future lifestyle!

Early preparation in life is key to becoming financially independent

 

Succession planning 

Preparing yourself, your family and your business for the future

 

Unlocking property wealth

Plan for the worst, hope for the best

 

Peace of mind that you’re on the right track

How to plan for a confident retirement to live the lifestyle you want

Budget 2021

What was announced in Chancellor Rishi Sunak's speech?

 

Post-work income

How much annual income will you receive from your pension and savings?

 

Generation Xers chronically under-saving

57% face financial difficulty in retirement years

Reduce Your Inheritance Tax Bill: 10 Ways to Protect your Estate for your Loved Ones

Welcome to our latest edition. At the time of publishing, Chancellor of the Exchequer Rishi Sunak had not delivered his Budget 2021 speech. We’ll look at the key announcements and how these could affect your personal, family and business finances in the next edition

Articles featured in this issue:

 

Passing on pension benefits

Providing for your loved ones after your death

 

ISA deadline 5 April 2021: use it or lose it

Make the most of the tax breaks before it’s too late 

 

Responsible investing

Invest today. Change tomorrow 

 

Tax planning reimagined

Identifying the best options to preserve your wealth 

 

Pension options

Planning your financial future, and how to get there 

 

Reduce your Inheritance Tax bill

10 ways to protect your estate for your loved ones

 

Combined finances

Planning ahead for your financial future together 

 

Inflation beaters 

How to ensure your money is protected from rising inflation 

 

Wealth creation

Where can you turn if you want to invest tax-efficiently?

 

Investing for your child's future

Even small amounts can build up a substantial nest egg

 

Critical factor

Protection for you and your loved ones 

 

How much is the State Pension?

Understanding what you’ll receive and when

 

Generation COVID-19

Financial support to younger members as a direct result of the pandemic

 

Advice matters

Life events that professional financial advice can help you navigate

 

Goals-based investing

Are you giving yourself the best chance of success?

 

Funding long-term care 

How much will it cost to enjoy life in later years?

 

ISA transfers

Time to widen your range of investment choices?

 

Retirement finances

COVID-19: third of retirees fearful due to negative impact

 

Suspending pension contributions

Think carefully about how action taken now could affect your retirement

New Year, new start to your finances

TAKING TIME TO UNDERSTAND YOUR FINANCIAL PLANS WILL REALLY PAY OFF
JANUARY/FEBRUARY 2021

Inside this bumper edition, there are all sorts of financial planning considerations from "Why cash may not always be king?" to "more taxing times on the horizon".

With the end of the tax year fast approaching some considerations for you to read up on, notably using your ISA allowances.

Financial Action Plan

10 STEPS TO HELP YOU BUILD A BETTER FINANCIAL FUTURE
NOVEMBER/DECEMBER 2020

Inside, we look at a number of different topics to help you accomplish what matters most to you and your family as the festive period approaches.

In these uncertain times, it can help to focus on the things you can control. And working out what your money’s doing for you now and where it might come from in the future can give you real peace of mind.

STATE PENSION AGE RISES
How could the change impact on your retirement plans?

PLANNING FOR SUCCESSION
How will you ‘slice up your wealth pie’?

NEW RESCUE DEAL FOR JOBS AND FIRMS
Chancellor Rishi Sunak unveils three extra support measures

FINANCIAL ACTION PLAN 
10 steps to help you build a better financial future

GROW YOUR MONEY
Invest in a better future

INVESTING PRINCIPLES
Focus on what you can control

FESTIVE FINANCIAL GIFTS
Deciding on the right investments for the children in your life

THE CRITICAL FACTOR
Life-changing cover, for life-changing events

Take it to the max

HOW TO MAKE THE MOST OF THE VARIOUS PENSION ALLOWANCES
SEPTEMBER/OCTOBER 2020

As the world continues to work out how to live with the coronavirus (COVID-19) pandemic, many will agree that the new normal needs new thinking.

The pandemic has unleashed changes that seemed unthinkable only six months ago. Along with the health, safety and well-being of family, friends and loved ones, the new normal has also highlighted the need for "financial guidance and support during this turbulent period.

NO DESIRE TO RETIRE
Why working and retirement are no longer binary terms

INVESTING DURING RETIREMENT
Why it’s important not to view your portfolio with an element of finality

PLANNING TO LEAVE A FAMILY LEGACY?
Impact of coronavirus (COVID-19) on Will making

DELAYING RETIREMENT 
Pandemic forcing a widespread rethink of retirement plans

REWRITTEN RETIREMENT RULES
Looking to discover what you can do with your pension pot?

SILVER SPLITTERS
Financial fall-out of divorcing in middle age

TAKE IT TO THE MAX
How to make the most of the various pension allowances

CARE IN LATER LIFE
Making the difficult choice between live-in care and a care home

Planning for tomorrow

WILL MY RETIREMENT INCOME BE ENOUGH TO LIVE COMFORTABLY?
MARCH/APRIL 2020

At the time of writing this issue, Sajid Javid had resigned as Chancellor of the Exchequer with less than a month to go until Budget Day. His replacement, Rishi Sunak, will deliver the Budget on 11 March 2020. In our next issue, we’ll look at the key Budget announcements and how they could affect your finances.

TOP 4 TIPS FOR GOOD TAX PLANNING
What should I consider before the end of this tax year?

TIME TO GIVE YOUR PENSION POT A BOOST?
Planning ahead for the financial future you want

PORTFOLIO DIVERSIFICATION
Don’t put all your eggs in one basket

PRESERVING YOUR LEGACY
How to keep your wealth in the family

PLANNING FOR TOMORROW
Will my retirement income be enough to live on comfortably?

DIVORCEES RISK LOSING OUT ON PENSIONS
Dividing this asset is of vital importance to avoid pension poverty

RETIREMENT OPTIONS
£19m released each day since pension freedoms launch

2019/20 ISA ALLOWANCE – USE IT OR LOSE IT
Maximise your wealth creation – don’t miss the deadline

Cultivate the art of patience

FOCUS ON LONG-TERM INVESTMENT OBJECTIVES
NOVEMBER/DECEMBER 2019

Inside this issue, we look at a number of the topical financial planning stories making the news agenda.

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era of the 24-hour news cycle, and ‘bad news sells’. The investment world can be unpredictable and investors currently have plenty of bad news to process, with a plethora of events making the daily and even hourly news headlines – from the US-China trade conflict and oil price volatility, to Britain’s exit from the European Union.

‘SLEEPWALKING’ INTO RETIREMENT
How much will you need to save to afford a comfortable retirement?

TAX-WISE
Make the most of your valuable allowances, reliefs and exemptions

CULTIVATE THE ART OF PATIENCE
Avoid knee-jerk reactions by focusing on long-term investment objectives

FOR RICHER, FOR POORER
Pension and asset advice should be part of the divorce process

WOMEN’S STATE PENSION AGE CHANGES
Government’s bid to ensure ‘pension age equalisation

TAX-EFFICIENT SHELTERS
Use your ISA allowance or lose it forever

EVERY JOURNEY STARTS WITH A DESTINATION
Looking at the bigger picture for your wealth and security

MONEY LESSONS
5 tips that add up to teaching your child about money matters

Choppy waters, not full-on gale

WAIT FOR THE BAD WEATHER TO PASS AND STAY THE COURSE
JULY/AUGUST 2019

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 investors should expect. From the unfathomable Brexit playbook and the continued prominence of populist ideology to unconventional US foreign policy and the retirement of Draghi, the highly respected European Central Bank president, uncertainty prevails.

SMART INVESTMENTS
Should I invest into a pension or an ISA?

GOLDILOCKS ECONOMY
How to prepare your portfolio for inflation

HEALTHY, WEALTHY AND WELL ADVISED
Financial complexities of passing on wealth

CHOPPY WATERS, NOT FULL-ON GALE
Wait for the bad weather to pass and stay the course

RETIREMENT LONGEVITY
Your destiny is now in your own hands

TAXING TIMES
‘Top 5’ list of planning areas

SHOW ME THE MONEY
Turning pensions into money you can use

PROTECTING WHAT MATTERS
Those dearest to us, and those financially dependent upon us

Inheritance Tax

NO LONGER SOMETHING THAT ONLY AFFECTS THE VERY WEALTHY
MAY / JUNE 2019

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 the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face.

NEW TAX YEAR
The key changes you need to know

BUILDING A DIVERSE PORTFOLIO
Time, patience and making informed decisions

INHERITANCE TAX
No longer something that only affects the very wealthy

TRACING A LOST PENSION
Nearly £20 billion unclaimed money and growing

FREETIREES
Pension freedoms usher in a new generation

STATE PENSION
Half a million workers past pension age could be paying unnecessary tax

WHY SILENCE ISN’T NECESSARILY BLISS
Over six million adults refuse to discuss their Will with loved ones

WEALTH CREATION
Spreading risk by accessing different types of assets

Life after work

PLANNING FOR THE RETIREMENT YOU DESERVE
MARCH / APRIL 2019

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.

TRUST IN YOUR INVESTMENTS
Investing for income or growth, or both

SMART PLANS
Living a less complicated life!

LIFE AFTER WORK
Planning for the retirement you deserve

YOUR ISA, YOUR FUTURE
Time to reimagine how to invest more tax-efficiently?

RETIREMENT OPTIONS
Greater responsibility on individuals to plan for financial security in old age

BREXIT – WHAT NEXT?
Unintended consequences

NO PAIN, NO GAIN
Planning to get you where you want to be

WEALTH PROTECTION
Planning your legacy

Plan, Prepare

MAKING NEW YEAR’S TAX SAVING RESOLUTIONS
JANUARY/FEBRUARY 2019

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 your goals for the coming year, we’ll help to start you off on the right financial footing. Turn to page 04 to find out more.

STATE PENSION
Move to equalise male and female pension ages

PLAN, PREPARE
Making New Year’s tax saving resolutions

EXPLORING YOUR ISA OPTIONS
Time to give your financial future a boost?

PENSION UNLOCKING
Treasury enjoying a tax bonanza from pension withdrawals

FOR THE LIFE YOU WANT
Building up your nest egg is more discipline than difficult

LOOKING AT THE BIG RETIREMENT PICTURE
Considering making contributions ahead of the tax year end?

KEEPING IT IN THE FAMILY
Careful planning can reduce or even eliminate the Inheritance Tax payable

INCOME SEEKERS
Not putting all your eggs in one basket

You have one life, so invest wisely

IDENTIFYING MULTIPLE RISK PROFILES FOR MULTIPLE GOALS
NOVEMBER/DECEMBER 2018

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 to encourage children to start thinking about the value of money. Many children have hundreds of pounds spent on them at Christmas, but could that money be put to better use? Download and go to page 04.

AVOID THE MAD MARCH RUSH
Get a head start on your tax planning resolutions

FESTIVE GIFTS
Building wealth for a solid financial future

YOU HAVE ONE LIFE, SO INVEST WISELY
Identifying multiple risk profiles for multiple goals

RELATIONSHIP BREAKDOWNS
A pension could well be the biggest single asset in the relationship

WEALTH NAVIGATOR
Planning the best route for the next generation

WORK PRESSURES
The greatest strains on physical and mental health

INFLATION MATTERS
Impact of rising prices on investments

SANDWICH GENERATION
Financially squeezed between elderly parents and children

Cash may not be king

Pension savers risk a significant tax bill
SEPTEMBER/OCTOBER 2018

As the poet and playwright Oscar Wilde once commented, ‘When I was young I thought that money was the most important thing in life; now that I am old I know that it is.’ And with these pertinent words in mind, inside this issue, we look at a number of topics designed to keep you up to date and help you plan to meet any changes in your life and financial circumstances.

LATER RETIREMENT
Workers extend their careers for a multitude of reasons

SEIZE THE DAY – TODAY
Make your vision a reality

CASH MAY NOT BE KING
Pension savers risk a significant tax bill

FINANCIAL PROTECTION
Families left in a precarious situation if the unforeseen were to happen

SHOULD I STAY OR SHOULD I GO NOW?
Key aspects that influence retirement decisions

LOOKING TO THE FUTURE
Taking the steps now to prepare yourself for retirement

POSITIVE OUTCOMES
Impact investing without sacrificing returns or profits

GENERATION STILL TAXED
Numbers nearly double in the last two decades