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 for children
Most parents want to help their children financially, whether it is making sure there is enough money for their education or helping them to buy a property. An early objective may well be to help children understand the value and importance of money.
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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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Pensions tax planning for high earners
If you feel you’re paying more and more tax, you are not alone. More than one in seven of income tax payers are taxed at the higher or additional rate, but they pay about two thirds of all income tax.
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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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Taking income at retirement
There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement. The decisions you make then could have repercussions for the rest of your life, and in recent years, there have been some major changes to the retirement choices you can make with your pensions. That retirement could turn out to last considerably longer than you think, as the table below shows.
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Taxation of Property
Becoming a landlord is an attractive proposition for anyone who can raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values. Whilst interest rates have finally started to rise, it is not surprising it is still such an appealing option.
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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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