Top 4 tips for good tax planning

What should I consider before the end of this tax year?

The end of the 2019/20 tax year is fast approaching, and there are a number of valuable allowances and reliefs that will be lost if they are not used before the deadline.

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Time to give your pension pot a boost?

Planning ahead for the financial future you want

Planning for retirement can be both exciting and daunting. It’s essential to structure your affairs to make sure you have enough money when you eventually retire. To give your pension pot a boost, one option to consider if your pension savings are more than your annual allowance is to take advantage of the ‘carry forward’ rules for unused annual allowances from previous years and still receive tax relief.

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Portfolio diversification

Don’t put all your eggs in one basket

Portfolio diversification is the foundational concept of investing. It’s a risk management strategy of combining a variety of assets to reduce the overall risk of an investment portfolio.

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Preserving your legacy

How to keep your wealth in the family

Are you worried about leaving an inheritance to your loved ones and then having them pay tax on your legacy? No one likes to think about a time when they won’t be here, but unfortunately the reality is that some people aren’t prepared financially.

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Planning for tomorrow

Will my retirement income be enough to live ON comfortably?

The questions our clients almost always ask us are: ‘Will I be able to retire when I want to? Will I run out of money? How can I guarantee the kind of retirement I want?’

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Divorcees risk losing out on pensions

Dividing this asset is of vital importance to avoid pension poverty

Divorce is an emotional and stressful period for those who have to go through it. However, it’s important that people realise that a pension is a valuable asset when considering how they split their money.

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Retirement options

£19m released each day since pension freedoms launch

In his 2015 Spring Budget, then-chancellor George Osborne introduced sweeping changes to the way that pensions are taxed. The new pension freedom rules have led to the over-55s being faced with a variety of different choices when taking and investing their nest eggs.

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Retirement savings longevity

Are you facing a pensions challenge?

We all want to ensure we have sufficient funds when we retire so we can spend our time the way that we want to. But how realistic are your current retirement plans?

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Future retirement security

More younger women opting out of pensions

Young women are putting their future retirement security at risk by opting out of their workplace pension[1]. The analysis shows a worrying spike in opt-outs, with 10.5% of women aged 22–29 opting out of their workplace pension. This compares to 8.1% of men in the same age group.

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Have you planned for the unexpected?

One in eight homebuyers don’t discuss their protection needs

Buying a property is usually the biggest financial obligation many of us will take on in our lifetime, and it’s an obvious moment to pause and consider our protection needs.

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