Newsletter

These articles help you understand your financial needs and aspirations 

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  • Tax Planning

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

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.