Newsletter

These articles help you understand your financial needs and aspirations 

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Autumn Budget Statement 2024 - What it Could Mean For Your Finances

Welcome to our latest issue. On 30 October, Chancellor of the Exchequer Rachel Reeves will deliver the Autumn Budget Statement 2024. It will be a critical indicator of the government's approach to managing the economy, aiming to foster an environment conducive to sustainable growth. The outcomes of this Autumn Budget will have far-reaching implications, potentially influencing everything from tax rates and public services to business investment and consumer confidence. As such, it is a pivotal moment that will shape the economic landscape in the months and years ahead. On page 10, we look at what it could mean for your finances.

Could you have been underpaid the State Pension?

HMRC estimates that affected women could be owed an average of £5,000 each

 

Pension scams on the rise

Protect your savings! 7.3 million UK adults encountered an attempted scam in the past year

 

Navigating the complexities of inheritance

Should you consider estate planning and gifting for future generations?

 

Mastering financial planning

Essential tips for mothers balancing family and finances

 

Autumn Budget Statement 2024

What it could mean for your finances

 

Time to revisit your retirement plan?

Helping you feel more prepared for this stage of your life

 

The middle-aged squeeze

Juggling careers, family care and financial pressure amid rising costs and wealth transfers

 

The cost of early withdrawal from your pension

How retirees are impacting their financial future by accessing pension pots too soon

 

Rising demand for health cover

Grappling with a workforce sickness epidemic and long NHS waiting times

 

Building wealth and achieving financial goals

Aligning investments with risk tolerance and capacity

 

The future of retirement

Experiences of the past and potential future scenarios

 

The Great Unretirement

Contemplating a return to work after a significant absence or considering a phased return?

 

Sandwich generation

Two-thirds of people in the UK will care for a loved one at some point

 

Take your pension to the max

Do you have potential shortfalls and need to address these gaps?

 

Empowered savers

How to make future aspirations more attainable and less stressful

 

Shaping a sustainable future

The imperative of collective action and responsible investment

 

New study uncovers financial vulnerability in five million UK households

Delayed life milestones and lack of planning pose significant risks

 

Redundancy and your pension

Understanding your workplace pension options to navigate your next steps confidently

 

Have you secured your legacy?

The vital role of Wills in estate planning

 

Should you use your pension lump sum to pay off your mortgage?

Essential key considerations and potential pitfalls you need to know

 

The retirement gap

Why UK retirees are working seven years longer than planned

 

The rise of remote work and moving abroad

Becoming a UK expat can mark the start of an exciting chapter, but what about your pension?

City Capital Financial Planning - Quarterly Market Commentary - Sept 24

Quarterly Market Commentary September 2024 - Investors reassess positions amidst high valuations and potential corrections in stock prices

Welcome to the September 2024 issue of our Quarterly Market Commentary.

 

Looking back over the last quarter, global equities faced a notable downturn in August, with the US economy at the centre of investor scrutiny. Mixed economic indicators, inflationary pressures, and interest rate fluctuations contributed to widespread market anxiety. Concerns about a potential US economic slowdown prompted sell-offs across various sectors as investors reassessed their positions amidst high valuations and potential corrections in stock prices.

 

UK equities experienced a turbulent August, initially buoyed by a Labour Party election victory that sparked optimism for economic recovery. However, this optimism was short-lived as broader economic concerns and geopolitical tensions significantly declined the FTSE 100. Despite a promising start, the UK market faced challenges due to adverse economic data and diminishing investor confidence.

 

The Eurozone displayed resilience in July, with gains led by the healthcare, utilities, and real estate sectors. However, August shifted sentiment as global market downturns and economic apprehensions impacted the region. Political uncertainties, such as France's inconclusive parliamentary elections, added to the Eurozone's economic challenges and growth prospects.

 

In the US, August's downturn overshadowed July's initial market gains. Despite the Federal Reserve's potential rate cut and improved inflation data, concerns about a recession and political shifts, including President Biden's withdrawal from the presidential race, affected market dynamics. Investors recalibrated their expectations in response to these complex economic and political factors.

 

Japan's market experienced significant volatility, with the yen's appreciation impacting exporters and equity sectors. The Bank of Japan's rate hike supported the yen, while small-cap and value investments demonstrated resilience. Economic concerns contributed to further market fluctuations in August, highlighting the need for strategic diversification in investment portfolios.

 

Emerging markets showed resilience in July, benefiting from a weaker dollar and potential US rate cuts. However, challenges in China and Taiwan, along with currency depreciation in Turkey and interest rate delays in Poland, tempered gains. By August, increased volatility and geopolitical uncertainties reshaped the emerging market landscape, demanding adaptable investment strategies. Meanwhile, global bonds enjoyed a positive July, driven by dropping yields and central bank actions, though they faced renewed challenges in August due to economic concerns.

Enhancing Pension Contributions for a Brighter Future

Welcome to our latest issue. As we embark on the new tax year, on page 08, we consider why reviewing your pension savings strategy presents an opportune moment, setting a solid foundation for future financial stability. Early attention to your private pension at the onset of the fiscal year is not just about cultivating beneficial saving habits; it's also about ensuring you take advantage of the benefits and allowances available to you.

Britons procrastinate on making a Will

Research identifies that over half of adults do not have a Will

 

Looming pension pitfall

£50 billion of hard-earned pension funds could be in jeopardy

 

Costs of later-life care

Establishing a thorough wealth strategy is key to ensuring financial readiness

 

Changes to Individual Savings Accounts in 2024

Why savers and investors now have a more flexible approach

 

Enhancing pension contributions for a brighter future

New tax year, new you? Maximise your pension savings this new tax year

 

Navigating Inheritance Tax

How to pass on assets to the next generation to secure their future for tomorrow

 

Rising trend of unretirement

14% of those aged over 55 have found themselves re-entering the workforce

 

Prudence of perseverance in investing

Maintaining an investment stance centred on the potential for long-term growth

 

Enhancing retirement through lump sum contributions

Contributing additional amounts to your pension stands to benefit you significantly in the long term

 

Understanding pension uncertainties

Survey highlights prevailing uncertainty among those on the cusp of retirement 

 

Generational wealth perspectives

Whether through property, pensions or a blend of both, informed decision-making is crucial

 

New pension tax framework

Pivotal shift changes you need to know commenced from 6 April 2024

 

Troubling trend amongst UK workers

Prevailing issue of presenteeism highlights a need for a transformation in workplace culture

 

Unveiling the core principles of investing

Timeless beacons guide investors through periods of market volatility towards financial prosperity

 

Mind over matter

How behavioural investing can shape financial futures

 

Strategic reinvestment of State Pension increases

When transferring into a personal pension may make sense

 

Unique insight into the current attitudes towards pension investment

Prevailing concern among savers regarding their capability to make informed investment decisions

 

Employee preferences in Workplace Pension selection

Complex landscape of employee preferences, confidence and skills

 

Overcoming the gender investment disparity

Critical insights to empower women to take the reins of their financial destinies

 

UK retirees confronting pension shortfalls

Many regret not having commenced their savings journey earlier in their careers

 

Reliance on Defined Benefit pensions among over-50s

Diverse avenues through which individuals plan to supplement their retirement income

CCFP - Pre-Year End Tax Planning Newsletter

As we approach the end of the current tax year on 5 April 2024, it's an opportune moment to examine both your personal and business finances to ensure they are structured to optimise your tax efficiency. Despite the ongoing freeze on many tax rates and thresholds, numerous strategies remain for efficiently organising your financial matters. 

Articles featured in this issue:

 

Planning for an early retirement 

Living life to the fullest and accomplishing long-held dreams

 

Wealth accumulation

Valuable insights that can impact an investment strategy

 

Adjusting your pension plans

How could the normal minimum pension age change affect your plans?

 

What will your legacy look like?

Effective Inheritance Tax planning is a careful balancing act

 

Pre-year-end tax planning

Tax-saving actions to take before the deadline

 

Managing your finances as a couple

Discussing finances may feel uncomfortable, but it is crucial to maintain a healthy relationship

 

Harnessing the power of Green Pensions

One of our most potent tools in making substantial strides towards net zero

 

Protecting yourself from investment scams

If something sounds too good to be true, it probably is

 

Navigating through divorce

Safeguarding your future financial stability and preserving your wealth

 

The 'Bank of Family'

A £38 billion lifeline for modern parents

 

Young visionaries eye early retirement

The power of small changes can lead to a path to significant returns

 

Pension puzzle

Research highlights the gender disparity in financial engagement

 

The gift of giving

Distributing assets or cash without contributing to your estate's overall value for Inheritance Tax purposes

 

Jeopardising financial stability

Protecting you and your family’s financial future

 

The impact of disability on financial planning

Report highlights retirement savings must be inclusive for everyone

 

Health consciousness divide

Why prevention is better than cure 

 

Postponing retirement

An increasingly growing trend in Britain

 

Unpredictability of financial climates

Strategic diversification of your investments can be your first line of defence

 

Life’s complicated. Getting life insurance shouldn’t be

Make sure your loved ones are looked after should the worst happen

 

Proactive retirement planning

A growing trend among mid-lifers prioritising their future financial stability

 

Age is not just a number

The impact of an increased lifespan on your retirement finances

 

The £26 billion lost pension maze

Unclaimed pensions could mean thousands of pounds added to your retirement fund

Tax-Saving Measures - What Actions to Review Before the 2023/2024 Year End?

Welcome to the first issue for 2024. The tax landscape has witnessed considerable changes, making the situation more challenging for taxpayers and investors alike. As we near the end of the 2023/24 tax year on 5 April, every taxpayer should understand the importance of this date and consider their tax position. Don’t leave it to chance and miss the deadline. On page 06, we’ve provided some planning tips to consider and discuss with us.

National Insurance Contributions (NICs) 

Significant reforms and rates cut for millions of workers

 

Changes to the State Pension

‘Triple Lock’ to increase by 8.5% from 6 April 2024

 

Tax-saving measures 

What actions to review before the 2023/24 year-end?

 

Balancing profit and planet

Striving to use impact to boost investment returns

 

Time to SIPP into financial freedom?

‘I want to take charge of my retirement savings’

 

Succession planning, a family affair 

A delicate process that requires clear communication and effective planning

 

Treasure trove

£26.6 billion in forgotten pensions

 

A tax-efficient, flexible method for future planning

Time is running out to use your 2023/24 ISA allowance 

 

Financial road map for 2024

How to devise a robust plan for wealth accumulation and protection

 

Securing retirement

The art of de-risking

 

Charting your financial future

Tackling retirement anxieties requires understanding your current financial resources

 

Time to kickstart your retirement plans?

How to get your retirement plans in motion

 

Make the most of your wealth

Opening up a world of possibilities for your future

 

Gender pension gap

The potential barrier to reaching the same savings levels as men

 

Heightened interest rates increase demand for annuities

What will you do with your hard-earned pension pot at retirement?

 

The forgotten task on Britons' to-do list

Financial pitfalls that could easily have been avoided

 

Investing after retirement 

Preserving wealth for your future lifestyle 

 

The power of prevention

An effective financial plan acts as your protective shield

 

It’s good to talk

How to navigate financial conversations with your family

 

£32 billion hole in UK savings pots 

Rise in living costs forcing many people to dip into their financial reserves

 

Bridging the pension generation gap

Urgency for younger generations to access improved financial education

A Crucial Decade: Financial Planning in your 50s

Welcome to our November/December 2023 edition. As you sail into your 50s, it becomes pivotal to consider your financial strategy. Life has likely found a steady rhythm by now. Children have probably taken flight, becoming financially self-sufficient, and the idea of reducing work hours or even retiring completely starts to surface. Each person's life journey is unique and has different resources and challenges. However, there are shared goals and steps that one can take during this stage. On page 09, we consider how knowing where to begin can be daunting, whether you aim to maximise your earnings or lay down a robust financial plan.

Welcome to our latest November/December 2023 edition. 

 

Articles featured in this issue:

 

Taxing times for 2023 

A year marked by several tax changes that impacted higher rate taxpayers

 

Strategies to minimise retirement tax

Many pensioners may face a lurking tax risk as the State Pension grows

 

Decoding auto-enrolment

Good news on the horizon for future retirees

 

A crucial decade: financial planning in your 50s

Maximising your earnings or laying down a robust financial plan

 

Journey to monetary autonomy

Optimising your finances and formulating an all-encompassing wealth plan for the future

 

‘Time in the market’, not ‘timing the market’

The allure of quick profits and instant gratification

 

Weathering the inflation storm

Is it time to diversify your portfolio?

 

High costs of private education

The significant decision of choosing a private school for children

 

Aspiring towards retirement

Why many people experience a mixed bag of emotions on the subject

 

A timely proposition

Considering gilts for your investment portfolio?

 

The Family Bank

Planning to aid the next generation

 

Mind the retirement gap

Crisis looming over today's youth

 

Financial planning

A personal journey tailored to your unique financial situation and aspirations

 

Positive impact on financial wellbeing

Improving your overall life satisfaction and happiness

 

Navigating multiple pensions

Simplifying financial management, lowering charges and increasing future funds

 

The reality of retirement

Are you sure your target retirement age aligns with your financial status?

 

Taking the first step

Introduction to investing for beginners

 

Inflation and your retirement income

Several strategies to lessen its impact on retirees

 

The gender divide

Reflecting on 75 years of State Pensions

 

Fixed-income investments

Providing significant value in a diversified investment portfolio

 

Immediate gains, long-term losses

The high price of halting pension contributions

 

Investment Bonds - How Bond's Structure & Tax Advantages Can Help you Pass on Wealth

Welcome to our September/October 2023 edition. In this issue, we look at investment bonds and explain how they offer several benefits that some investors may be missing out on, which have become even more beneficial due to recent changes in tax regulations. This follows last November’s Budget and the Chancellor’s decision to reduce the Capital Gains Tax (CGT) Allowance from £12,000 to £6,000 this year and to £3,000 in April 2024. This is likely to increase the appeal of investment bonds for some investors who want to minimise Inheritance Tax (IHT) liabilities when passing on wealth. 

Preserving wealth for future generations

Starting estate planning early and implementing it in stages is desirable

 

Will you make the right decisions around your pension pot?

Why defined contribution pensions are even more appealing for wealth transfer

 

Building a reliable income stream for your golden years

Make sure you maximise your retirement income through annuity shopping

 

Investment bonds

How bonds' structure and tax advantages can help you pass on wealth

 

Missing out on unclaimed money that could be in your pocket?

£1.3 billion pension tax relief unclaimed by pension savers over a five-year period

 

Saving for the next generation

Taking proactive steps in securing your child’s or grandchild’s financial future

 

Money and divorce

Untangling your finances and navigating the financial aspects of divorce

 

Pension drawdown

Greater flexibility in accessing your pension funds

 

Cost of care in later life

Choosing the best option for yourself or your loved ones

 

Retirement cash flow modelling

Assessing your current and projected wealth, income and expenses

 

Preparing the next generation to engage with their finances

How to help with money management and financial literacy 

 

Key traits for successful wealth-building

Developing an investment strategy tailored to your goals 

 

Macro trends impacting weddings in 2023

Main pressures are rising costs and unexpected expenses from suppliers

 

Retirement challenges faced by women

Nearly half of women aged 50-65 plan to continue working in some capacity after reaching the State Pension age

 

Do our later life dreams really become retirement reality? 

Taking the necessary steps towards a fulfilling retirement

 

Gap in knowledge and uptake of Power of Attorney

Protecting individuals and facilitating smoother decision-making processes

 

Millions may have to rethink their retirement plans

More than one in ten have mortgage debt in the final decade before they retire

 

How much will I need to live on in retirement?

Planning for your life after work to ensure a financially secure future

 

How to reduce the impact of inflation on retirement income

During periods of economic uncertainty, it's advisable to reassess your retirement plan

 

Professional financial advice – where’s the value?

Making more informed decisions about money leads to better financial health in the long run

 

How to find or trace a lost pension

Total value of lost pension pots £26.6 billion in 2022

Wealth Succession - Making the Right Preparation for Future Generations

In this issue, financial planning can be a daunting and uncomfortable conversation for many, but thankfully attitudes towards talking about money are changing. Wealth succession should be an integral part of your financial plan as early as possible – because the right preparation now can have positive long-term impacts on future generations. On page 06, before you start this process, we consider the questions you need to ask.

Articles featured in this issue:

 

Goals don't just happen, you have to plan for them

How professional financial advice benefits both you and your family

 

Rising prices can wipe years off retirement pots

How to protect your pension income against inflationary pressures

 

Wealth succession

Making the right preparation for future generations

 

Show me the money

Britons not researching their investments because it’s ‘time consuming’ and ‘complicated’

 

Time to retire?

Planning your finances to be sustainable for the long term is key

 

Critical illness cover, your questions answered

Protecting against the financial impact that a serious illness can cause 

 

Retirement planning

Your wealth. Your legacy

 

Giving retirement a second thought?

Over a third of over-55s think they will work beyond their State Pension age

 

Financial security and freedom

Rising prices add almost 20% to ‘minimum’ cost of retirement

 

Thinking about divorcing?

Protecting your assets and preparing you for going forward on your own

 

Cost of living crisis

Almost one in three over-55s’ mortgage repayment plans derailed

 

Financial bliss!

Money and finances are a common source of disagreement and stress

 

Cost averaging your investments

Reducing the risk of investing in volatile markets

 

Insurance that works while you can’t

2.5 million Britons lose at least £23,126 a year due to long-term illness

 

Retirement planning for every life stage

Alleviate any fear and uncertainty you might have about your financial future

 

Overwhelmed by your pension? 

Almost half of UK consumers find pensions information daunting 

 

Protecting income

7% of self-employed workers would choose to carry on working through illness or injury

 

Financial jargon

7 out of 10 adults are puzzled by financial matters lingo

 

Future wealth

Ready to start investing for your grandchild’s future?

 

Drawdown, annuities or both?

Make sure your retirement strategy meets your needs and goals

Taxing Times - Time for a tax health check?

With the current tax year having begun on 6 April 2022, the clock is ticking and it is important to utilise all the tax reliefs and allowances available to you before 5 April 2023 in order to minimise any potential liabilities. On page 08, we look at the way personal tax planning should be at the top of your agenda as the end of the current tax year is not too far away. Taking action now may give you the opportunity to take advantage of any remaining reliefs, allowances and exemptions. 

Articles featured in this issue:

 

Chancellor retains State Pension triple lock

State Pension is set for a record-breaking increase from April 2023

 

Don't miss the ISA deadline 

Use your tax-efficient allowance or lose it forever! 

 

‘Phased retirement’

Pre-retirees starting their plans but will rising living costs halt their plans?

 

No ‘one-size-fits-all’ protection solution

Helping you feel confident your family’s finances are secure

 

Menopause in the workplace

Unique retirement planning challenges women face

 

Taxing times

Time for a tax health check?

 

Time to get your retirement plans in motion?

Three in five Britons feel stressed about later life planning

 

Tracing old and lost pensions

Nearly half of pension holders have lost track of some of their pension pots

 

Millennials willing to forgo inheritance

Harder to support bigger financial commitments of older generation parents

 

Feeling the pinch

Women more vulnerable to cost of living crisis

 

Perfect storm

Major long-term ramifications for financial health and wellbeing

 

Show me the money

Choosing an investment style that best suits your needs

 

Ins and outs of CGT

Ways to potentially reduce your Capital Gains Tax liability

 

Planning to meet your goals

How advice can boost your financial wellbeing

 

What sort of lifestyle will you be able to afford?

How inflation could be impacting on your retirement plans

 

Impacts of climate change

Nearly two-thirds of people in the UK more concerned about climate change

 

Understanding pensions

A topic high up on the recruitment radar

 

Time to talk

Discussing Wills and trusts with adult children or dependents

 

Insurance that works while you can’t

Would you be able to carry on paying the bills using statutory sick pay or your savings?

Don't Abandon Pension Contributions as Prices Rise

As the cost of living continues to soar, with inflation reaching a 40-year high, the impact on household finances is taking its toll. But it is essential to try to maintain a savings habit even in the current climate.  In our latest Newsletter we look at the impact breaks in pension contributions could mean to savers by missing out on thousands of pounds in future that will mean less income during retirement.

Articles featured in this issue:

 

Working 9 to 5

More over 65s are still working than six years ago

 

Pension saving revolution

Auto-enrolment: celebrating a decade that has encouraged a culture of saving 

 

Investing for positive change

More investors align investments with personal values

 

Passing wealth down through the generations

Millions of retirees help out in cost of living crisis

 

Don’t abandon pension contributions as prices rise

Savers could miss out on thousands of pounds in retirement

 

Spotting an investment scam

How scammers are getting more convincing

 

Pensioners’ incomes

What is the average UK retirement income? 

 

How to maximise the value of pension savings

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

 

Doing the right thing for the planet

Four in five looking to change jobs demand green pensions

 

Balancing risk and returns

Bonds can play a key part in building an investment portfolio

 

Leaving a tax-efficient legacy

Considering the rule of seven when making financial gifts

 

Shrinking safety nets

More people set to dip into emergency funds

 

Increasing financial support for millennials 

Cost of living crisis drives early inheritance gifting

 

Preparing your finances for retirement 

Could market volatility and inflation mean you have to delay retirement?

 

Solving investor challenges

How to take less risk when investing

 

Reluctant to return

Millions want to stick with lockdown lifestyle changes

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

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

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.