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.
Business succession planning
If you are a business owner, business succession planning and insurance is important. It is simply the process of planning for what you want to happen if you (or your co-owner, if you have one) were to die or fall seriously ill.
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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.
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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?
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Making the most of ISAs
When Individual Savings Accounts (ISAs) first appeared in 1999, as a replacement for PEPs and TESSAs, they were a relatively straightforward offering. In the 19 years since, complication has set in. The point has now been reached where the May 2018 report on savings tax from the Office of Tax Simplification (OTS) suggested that “there is scope for a wider full review of the current ISA landscape, to make the regime simpler and more accessible”.
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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.
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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.
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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.
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