Newsletter

These articles help you understand your financial needs and aspirations 

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  • Tax Planning

Financial Protection - Ensuring a Secure Future For You and Your Loved Ones

Welcome to our latest issue. Nobody wants to consider what would happen if they became too ill to support their family financially. Financial protection is essential to creating a secure future for your loved ones, but understanding what cover you may need can be confusing. On page 10, we discuss whether you have considered the implications financially if you or someone in your family were unable to earn money, became ill or were to die prematurely. It’s not something we like to think about, but if you have left regular employment and are now either retired or have become self-employed, then any previous protection you received from an employer becomes your responsibility.

Articles featured in this issue:

 

Retirement matters

Making the right decisions today could boost your retirement pot and make the future a whole lot brighter

 

Caring for grandchildren

How it can help you boost your State Pension

 

Britain’s biggest pension taxpayers

How to make sure you avoid becoming one

 

Placing assets into a Trust

Ensuring your legacy is managed according to your wishes long into the future

 

Financial protection 

Ensuring a secure future for you and your loved ones

 

Ways to reduce a Capital Gains Tax liability

How will you ensure more of your money will go towards your future?

 

Investing a lump sum

Received an inheritance, windfall, or proceeds from a business or property sale? But what next?

 

How much do I need to save for retirement?

Ensure your money works effectively to enjoy retirement on your own terms

 

The importance of drafting a Will

Protect your family from uncertainty and potential conflicts

 

Quarter of retirees financially struggling despite paying off mortgage

Urgent need for effective financial strategies and support systems to ensure a dignified and secure retirement

 

Financial planning conversations you need to have

Protecting your legacy and boosting your children’s financial security

 

Young women and retirement

How much income will you need for a comfortable retirement?

 

State Pension awareness

What payments can you expect to receive from the government later in life?

 

Changing retirement trends

Why the concept of a 'hard stop' retirement is becoming less prevalent

 

Learning from the retired

Balancing financial security with mental wellbeing

 

Retirement experience among over-55s

Money, or lack thereof, a significant driver of overall retirement satisfaction

 

Building financial confidence in children

Sharing values and encouraging children to formulate their own

 

Many Britons unaware of incorrect tax codes

What you need to know to avoid discrepancies and potential financial strain

 

Retirees supporting family and friends financially

Nearly 40% support grown-up children, a spouse or partner, a parent, an elderly relative or a friend

 

Downsizing in later life

Research highlights what people consider before making the decision 

 

Minimise Inheritance Tax

Allow your loved ones to benefit more from your accumulated wealth

 

Only two-fifths of Britons know how to boost their pension

How much money will you have for retirement, where is it invested and what are you being charged?

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

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

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.