These articles help you understand your financial needs and aspirations 

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  • Divorce
  • Financial Planning
  • Inheritance Tax
  • Investment Risk
  • Pensions
  • Protection
  • Retirement
  • Savings
  • Tax
  • Tax Planning

Getting Retirement Ready - Key Steps to Achieving a Comfortable Retirement

In this issue, a comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it. Although retirement may appear distant at the moment, there's much to consider. Let us assist you in navigating this crucial life milestone. By planning ahead and making smart decisions about your savings, you can ensure a stable and enjoyable retirement. On page 12, we consider what steps will help you get pension retirement ready.

Normal Minimum Pension Age update

Essential information for your retirement planning


10 reasons to get your tax return filed now

British workers overpay £8.2bn in tax due to wrong codes


Maximising your investments in your 50s

Time to evaluate whether you need to modify your objectives or saving strategies?


Responsible asset selection

Supporting responsible practices and contributing to a sustainable future


Getting retirement ready

Key steps to achieving a comfortable retirement


Tax relief matters

How to build a bigger pension pot


Building a diversified portfolio

What is it, and why is it important?


Are we entering an investment bond renaissance?

Exploring why they are an attractive option to mass-affluent investors


How to invest after retirement

Ensure your wealth is preserved for future generations


Protecting your children and securing their future

Our health, an invaluable asset, is often overlooked or taken for granted


Lump sum vs regular contributions!

Choosing the right pension payment strategy


Using your inheritance effectively

Making informed decisions about managing the funds wisely


The importance of understanding tax-free pension withdrawals

Many over-55s are unaware that they can access 25% of their pension pot tax-free


The Gender Pension Gap issue

73% of women make only minimum pension contributions, compared to 58% of men


Price of adulthood

Financial responsibilities increase significantly after 25


Saving for retirement

A decade-by-decade guide


Bonds vs equities

Where should income-seekers turn?


Should I delay my retirement?

Delaying retirement could boost your chances of a secure financial future


Investing mistakes to avoid

Errors can have long-lasting consequences, setting you back financially


Hidden impact of inflation on savings

A closer look at a financial understanding among Britons


Adjusting your investment portfolio with age

Is your asset allocation aligned with your risk tolerance?

Guide to the Spring Budget Statement 2023

Guide to the Spring Budget Statement 2023

On Wednesday 15 March, Jeremy Hunt, the Chancellor of the Exchequer, addressed the Commons to deliver the Spring Budget 2023, with an aim to bring people back into the workforce. Mr Hunt commented that the Office for Budget Responsibility (OBR) expects inflation to fall from 10.7% to 2.9% by the end of 2023.

The Chancellor said the OBR now forecasts the UK will not enter a technical recession this year. But despite narrowly avoiding recession, living standards are still predicted to fall by 6% within this fiscal year and the next. 


Key budget announcements included the abolishing of the Lifetime Allowance on tax-free pension contributions, which was previously set at £1,073,100. The tax-free annual pension allowance for pension pots will also rise from £40,000 to £60,000 from 6 April 2023.


Working parents in England are to receive 30 hours of free childcare per week, though this won't be fully implemented until 2025. It will be phased in for households where the parent or parents work: April 2024: Eligible two-year-olds will get 15 hours of free childcare per week; September 2024: Eligible children between nine months and two years will get 15 hours; and September 2025: Eligible children between nine months and three years will get 30 hours.


Fuel duty has been frozen again whilst help with energy bills will remain for an extra three months and disabled people can apply for up to 50,000 places on a new voluntary employment scheme funded by the government. The Chancellor also confirmed that Corporation Tax will rise from 19% to 25% in April.


What does the Spring Budget Statement 2023 mean for you, your family and business?


In our guide to the Spring Budget Statement 2023, we look at the key announcements from Jeremy Hunt's speech. If you require any further assistance or would like to discuss your situation, please contact us

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