These guides provide general information only, and do not represent a recommendation for any course of action. It is advisable that you discuss your personal financial circumstances with a suitably qualified financial planner before undertaking any financial decisions. If you have any questions arising from these guides, please do get in touch.
Financial protection – for you and your family
Financial resilience is the ability to recover quickly from an unexpected fi nancial shock. Many of us insure our homes and cars without really thinking about it, but far fewer insure their lives and incomes. If you were unable to earn due to illness, have you thought about how you would pay your household bills? Savings can and do help in the short-term. But what happens when they run out?
Download
Investing tax efficiently
The taxation of investments has never been a simple matter. In recent years it has become more complex as successive governments have chosen to tax different sources of investment income in different ways, mostly with the aim of adding to the Exchequer’s coffers.
Download
Investment Planning Asset Allocation
Investment planning is now more of a science than an art. Technology, everincreasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?
Download
Pensions tax planning for high earners
If you are a high earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.
Download
Saving for retirement
Retirement is something most of us look forward to − particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.
Download
Taxation of property
Becoming a landlord has been an attractive proposition for anyone who could raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values. However, the outlook is currently a lot less clear. Uncertainty in the housing market has reduced property prices, particularly across London and the South-east, and a no-deal Brexit might see values fall by a further 6% according to KPMG. From April 2020, fi nance costs will generally no longer qualify for relief at higher tax rates, with various adverse capital gains tax (CGT) changes also coming in.
Download
The financial planning journey
Financial planning isn’t just reserved for the especially wealthy. All of us want to make the most of our money. Whether it’s starting to save for or take retirement or investing to provide for our children’s education, financial planning can help everyone across their lives.
Download
You and yours estate planning
Estate planning is usually not a subject that attracts immediate attention. It requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate. Consequently, estate planning often becomes, and all too often remains, a do-it-tomorrow task. Then it could suddenly become all important... or it might be too late. After all, accidents do happen.
Download