Will You Need to Pay Inheritance Tax?

Inheritance Tax is a hot topic – in the last financial year, the UK government took in an estimated record of £4.7bn from the estates of the deceased. Despite new legislation introduced in April 2017 to reduce the number of estates liable for taxation (check out this post from 2016 outlining the inheritance tax changes),… [ read on ]

Protecting Your Family – Myths Exposed and the Reality in Figures

No one likes to think about the devastating impact that serious accidents, injuries or death could have on their family. The reality is that disaster can strike at any time, and when it does – it’s families with no plan in place and dependent children who bear the brunt of the impact, with life-changing, lasting… [ read on ]

Estate Planning – Protect Your Family Wealth with Business Property Relief

It’s natural to want to pass on as much of your family wealth as possible when you die – but inheritance tax can put a real dent in the value of your estate. Your loved ones will have to pay 40% tax on assets above inheritance tax threshold. The number of families now affected by… [ read on ]

4 Tell-tale Signs It’s Time For A Financial Review

Pensions, savings and investments are like houseplants – you need to look after them if they are going to grow properly! Leave everything to chance and neglect your financial plan and it’s likely that you are missing out on potential returns. How long has it been since you last examined your financial arrangements? If you’re… [ read on ]

Your dream home in reach – the return of the accessible mortgage

The past decade has been tough on first time buyers. After the financial crash of 2008/9, the climate turned decidedly colder for those looking to purchase their first home. 95% and 100% mortgages disappeared overnight as lending criteria were tightened up. Higher interest rates and large deposits became the norm – and have stayed that… [ read on ]

Income protection – securing your family finances in 2017

How long could you survive on your savings if you were unable to work? A recent Aviva study has found that a quarter of UK families have absolutely no savings to fall back on, and nearly half of families (45%) couldn’t support their lifestyles for a single month if the main breadwinner was unable to… [ read on ]

Investing in Turbulent Times – Trump, Brexit and the EU

2017 has started with a bang! The drama of the first few weeks of Trump’s presidency, continued uncertainty over Brexit and upcoming elections across the EU are having a huge impact on the global economy and the world we live in. Interesting, turbulent times like these can cause many investors to become nervous. In this… [ read on ]

Chancellor’s U–Turn on National Insurance hike

The Chancellor has scrapped plans to increase National Insurance contributions for millions of self-employed people, admitting it breached a central Tory manifesto promise. Less than a week after delivering his first Budget, Philip Hammond climbed down on one of his most significant measures. The increase was supposed to raise the £2bn pledged for social care,… [ read on ]

2017 Budget Review – What it means for you

As the dust settles on Philip Hammond’s Spring 2017 budget – our expert team takes a brief look at some of the relevant points to taxpayers, savers and investors, examining: What’s been announced Why it’s happening When new rules come in How the changes will impact over the coming years This was no ‘giveaway budget’,… [ read on ]

Don’t Miss Out On Your Tax Free Allowance – The 2017 ISA Deadline Approaches

We’re coming to the end of another tax year. If you haven’t done so already, that means it’s time to make use of your ISA allowance. In a world full of income tax and national insurance, council tax, road tax, capital gains tax, inheritance tax and VAT, we should all be jumping at the chance… [ read on ]